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Pinnacle Financial Partners, Inc.
PNFP: NYSELowest reading is at 59 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Kevin S. Blair
Market Cap
14.31 Billion USD
Sector
Financial Services
Website
https://www.pnfp.comLast Update
15/10/2026, 01:00:10
Description
Pinnacle Financial Partners, Inc.
Read More
Strongest readings
- ✔Debt is low at 0.35 times equity
- ✔Financial health is strong (health score 70 out of 100)
- ✔Cashflow and earnings growth is strong (growth score 63 out of 100)
- ✔Price-to-earnings of 13.9 is below the market average of 19.6
Weakest readings
- ✘Share count has been rising at 0.56% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 13.92x | 19.60x | |
| ✘ | Margin of safety (DCF) | 4.40% | 17.95% | |
| ✘ | Revenue growth (5y average) | 9.13% | 10.97% | |
| ✘ | Dividend yield (TTM) | 1.32% | 1.85% | |
| ✘ | Share count, per year | 0.56% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
79 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 13.92x | 19.60x | |
| ✔ | Free cashflow yield | 8.35% | 4.70% | |
| ✔ | Price / earnings growth | 0.39x | 1.50x | |
| Price / book | 0.96x | — | ||
| ✘ | Margin of safety | 4.40% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 98.13 USD is above the current price of 94.72 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 192.9 USD ✔
Current Price: 94 USD
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
63 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 9.13% | 10.97% | |
| ✘ | Earnings growth | 9.54% | 14.48% | |
| ✔ | Cashflow growth | 43.12% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
70 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.35x | 0.80x | |
| ✔ | Debt / total capital | 0.26x | 1.00x | |
| Equity / assets | 12.21% | — | ||
| Loans / deposits | 0.83x | — | ||
| Net interest margin | 2.68% | — | ||
| Loan-loss cover | 1.13% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
64 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 1.32% | 1.85% | |
| ✔ | Dividend growth | 8.18% | 0.00% | |
| ✔ | Payout ratio (earnings) | 24.20% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 15.85% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.18% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
59 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 9.11% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 1.11% | — | ||
| Free cashflow return on capital | 1.18% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 0.56% | 0.00% | |
| ✘ | Share count, recent | 96.60% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 35.71% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 79 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
PNFP
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Pinnacle Financial Partners, Inc.
Currency
USD
Beta
1.013
Vol Avg
1077871
Ceo
Mr. Kevin S. Blair
Cik
0002082866
Cusip
Exchange
NYSE
Full Time Employees
8433
Industry
Banks - Regional
Sector
Financial Services
Ipo Date
Address
3400 Overton Park Drive
City
Atlanta
State
GA
Country
United States
Zip
30339
Phone
706 641 6500
Analysis Last Updated
15/10/2026, 01:00:10
Financial data compiled from SEC EDGAR filings and Yahoo Finance.