PNFP

Pinnacle Financial Partners, Inc.

Fundamental data last updated:September 8, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance agency services primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.

 


VALUATION

P/E

11.54

Market Cap ($M USD)

$7.51B

Forward P/E

7.28

PEG

0.12

PRICE TO SALES

1.87

PRICE TO BOOK

0.52

EV / EBITDA

8.71

5-Year Average P/E

Free Cash Flow Yield

22.45%

DCF Value

$577.26

Graham Number

$190.15

Price to FCF

4.45

EV to FCF

4.53

Earnings Yield

8.67%

FCF Yield

22.45%

DIVIDEND

Yield

1.51%

Annual Payout

$1.48

Payout Ratio

24.13%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$8.47

Next Year EPS Growth Estimate

$13.43

Next Year Revenue Growth Estimate

$5.99B

Return on Equity (ROE)

7.42%

FREE CASH FLOW

Operating Margin

19.92%

Debt-to-Equity

0.36

Piotroski F-Score

6

Altman Z-Score

0.04

Return on Invested Capital (ROIC)

3.57%

Current Ratio

0.90

Quick Ratio

0.90

Net Debt to EBITDA

0.15

Interest Coverage

0.52

Gross Profit margin

68.66%

FCF PER SHARE

$21.92

REVENUE PER SHARE

$52.12

Gainseekers Quantitative Analysis

Summary

Pinnacle Financial Partners, Inc. appears significantly undervalued when juxtaposed against its DCF Value and Graham Number. The stock traded at a fraction of its intrinsic value, suggesting a potential mispricing by the market. Despite a reasonable Forward P/E, the alarmingly low Altman Z-score raises red flags about financial distress, hinting at underlying vulnerabilities. The Earnings Yield, while modest, does not fully compensate for the perceived risk, indicating a cautious approach is warranted. Overall, the valuation metrics suggest a complex picture of potential opportunity overshadowed by financial fragility.

AI Exposure / Tech Reliance

Operating within the regional banking sector, Pinnacle Financial Partners may face challenges adapting to AI and tech shifts. However, its industry is gradually integrating fintech solutions, which could enhance operational efficiency. The bank's ability to leverage technology for customer engagement and streamlined services will be crucial for future resilience.

The Bull Case

For the value-driven investor, Pinnacle offers compelling reasons to buy. The robust Free Cash Flow Yield and a solid Piotroski F-Score of 6 indicate efficient capital allocation and operational health. With a Return on Invested Capital of 3.57% and a strong operating margin of 19.92%, the company demonstrates pricing power and effective management. These metrics paint a picture of a bank that knows how to generate and retain cash, making it an attractive proposition for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, Pinnacle faces significant structural risks. The Price/Book ratio of 0.52 suggests undervaluation, but the Forward PEG ratio of 6.47 signals potential overvaluation relative to growth. The Altman Z-score is alarmingly low, indicating financial distress and potential solvency issues. Additionally, the stock's proximity to its 52-week high could suggest technical overextension, making it vulnerable to market corrections.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$117.33

Institutional Ownership %

1-Year Beta

1.06

Insider Buying % (6 Mo)

Distance to 52-Week High

23.25%

Distance to 52-Week Low

17.05%

EARNINGS SURPRISE %

3.91%

50-DAY SMA

$93.53

200-DAY SMA

$93.66

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.