PNFP Stock Analysis: Pinnacle Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 14.114m USD | 12M Return: 1.5% | US72348N1090 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 93.6M
EPS Trend: 87.6%
Qual. Beats: 0
Rev. Trend: 84.3%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Pinnacle Financial Partners, Inc. is a bank holding company that operates through its subsidiary, Pinnacle Bank, delivering a full suite of banking, lending, treasury, and wealth management services to individuals, businesses, and professional entities across the United States. The company accepts a range of deposits-including savings, checking, money market, and certificate of deposit accounts-and generates core revenue through commercial and consumer lending activities such as equipment loans, working capital facilities, commercial real estate loans, residential mortgages, and home equity products. As a regional bank under the Financials sector, Pinnacles business model is anchored in gathering low-cost deposits and earning a net interest margin on its loan portfolio, supplemented by fee-based lines of business.
In addition to traditional banking, the company offers treasury management solutions (wire and ACH origination, positive pay, lockbox, merchant card acceptance, and virtual escrow accounts), credit cards for consumers and businesses, and a suite of digital delivery channels including online, mobile, and remote deposit capture services. Bank holding companies such as PNFP are regulated by the Federal Reserve and subject to capital and liquidity oversight, which shapes their lending capacity and growth strategy.
Pinnacle also operates fee-generating businesses beyond core banking, including investment and brokerage products, fiduciary and trust services (estate administration, IRAs, custody, and endowments), property and casualty insurance, and middle-market advisory offerings such as investment banking, M&A advisory, and private debt, equity, and mezzanine placements. The company was incorporated in 2000 and is headquartered in Atlanta, Georgia, according to the filing.
- Net interest margin expands on Fed rate hold
- Atlanta market expansion drives double digit loan growth
- Commercial real estate loan portfolio under regulatory scrutiny
- Wealth management fee income grows with rising AUM
- Deposit costs stabilize as competition for funding eases
| Net Income: 821.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.23 > 1.0 |
| NWC/Revenue: -2.04k% < 20% (prev -1.18k%; Δ -851.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 1.53b > Net Income 821.1m |
| Net Debt (-14.7b) to EBITDA (1.24b): -11.84 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (151.5m) vs 12m ago 96.01% < -2% |
| Gross Margin: 67.52% > 18% (prev 54.43%; Δ 13.10% > 0.5%) |
| Asset Turnover: 5.33% > 50% (prev 5.53%; Δ -0.19% > 0%) |
| Interest Coverage Ratio: 0.56 > 6 (EBIT TTM 1.02b / Interest Expense TTM 1.82b) |
| A: -0.77 (Total Current Assets 648.0m - Total Current Liabilities 100b) / Total Assets 129b |
| B: 0.03 (Retained Earnings 4.02b / Total Assets 129b) |
| C: 0.01 (EBIT TTM 1.02b / Avg Total Assets 91.9b) |
| D: 0.13 (Book Value of Equity 14.8b / Total Liabilities 114b) |
| Altman-Z'' = -4.76 = D |
| DSRI: 1.26 (Receivables 448.0m/219.4m, Revenue 4.90b/3.03b) |
| GMI: 0.81 (GM 54.43% / 67.52%) |
| AQI: 1.21 (AQ_t 0.99 / AQ_t-1 0.82) |
| SGI: 1.62 (Revenue 4.90b / 3.03b) |
| TATA: -0.01 (NI 821.1m - CFO 1.53b) / TA 129b) |
| Beneish M = -2.42 (Cap -4..+1) = BBB |
As of September 27, 2026, the stock is trading at USD 94.97 with a total of 841,985 shares traded. Over the past week, the price has changed by -1.84%, over one month by -5.76%, over three months by -3.32% and over the past year by +1.52%.
Current recommended Stop Loss: 91.50 (which is 3.7% or 1.4 ATR below the current price).
Pinnacle Financial has received a consensus analysts rating of 3.91. Therefore, it is recommended to buy PNFP.
- StrongBuy: 4
- Buy: 2
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 120.3 | 26.7% |
P/E Trailing = 13.0447
P/E Forward = 8.19
P/S = 4.2736
P/B = 1.0177
P/EG = 1.4146
Revenue TTM = 4.90b USD
EBIT TTM = 1.02b USD
EBITDA TTM = 1.24b USD
Long Term Debt = 10.3b USD (from longTermDebt, last quarter)
Short Term Debt = 850.0m USD (from shortTermDebt, last quarter)
Debt = 11.1b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -14.7b USD (calculated: Debt 11.1b - CCE 25.8b)
Enterprise Value = 14.1b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.56 (Ebit TTM 1.02b / Interest Expense TTM 1.82b)
EV/FCF = 9.35x (Enterprise Value 14.1b / FCF TTM 1.51b)
FCF Yield = 10.70% (FCF TTM 1.51b / Enterprise Value 14.1b)
FCF Margin = 30.80% (FCF TTM 1.51b / Revenue TTM 4.90b)
Net Margin = 16.75% (Net Income TTM 821.1m / Revenue TTM 4.90b)
Gross Margin = 67.52% ((Revenue TTM 4.90b - Cost of Revenue TTM 1.59b) / Revenue TTM)
Gross Margin QoQ = 60.60% (prev 67.69%)
Tobins Q-Ratio = 0.11 (Enterprise Value 14.1b / Total Assets 129b)
Interest Expense / Debt = 16.40% (Interest Expense 1.82b / Debt 11.1b)
Taxrate = 19.74% (202.0m / 1.02b)
NOPAT = 821.1m (EBIT 1.02b * (1 - 19.74%))
Current Ratio = 0.01 (Total Current Assets 648.0m / Total Current Liabilities 100b)
Debt / Equity = 0.75 (Debt 11.1b / totalStockholderEquity, last quarter 14.8b)
Debt / EBITDA = -11.84 (Net Debt -14.7b / EBITDA 1.24b)
Debt / FCF = -9.74 (Net Debt -14.7b / FCF TTM 1.51b)
Total Stockholder Equity = 10.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 821.1m / Total Assets 129b)
RoE = 7.58% (Net Income TTM 821.1m / Total Stockholder Equity 10.8b)
RoCE = 4.85% (EBIT 1.02b / Capital Employed (Equity 10.8b + L.T.Debt 10.3b))
RoIC = 0.64% (NOPAT 821.1m / Invested Capital 129b)
WACC = 11.02% (E(14.1b)/V(25.2b) * Re(9.33%) + D(11.1b)/V(25.2b) * Rd(16.40%) * (1-Tc(0.20)))
Discount Rate = 9.33% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 53.71 | Cagr: 35.53%
[DCF] Terminal Value 69.84% ; FCFF base≈1.21b ; Y1≈1.39b ; Y5≈2.05b
[DCF] Fair Price = 235.7 (EV 20.9b - Net Debt -14.7b = Equity 35.6b / Shares 151.1m; r=11.02% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.61 | EPS CAGR: 12.08% | SUE: 0.54 | # QB: 0
Revenue Correlation: 84.29 | Revenue CAGR: 21.40% | SUE: 1.35 | # QB: 3
EPS current Quarter (2026-09-30): EPS=2.62 | Chg30d=+0.13% | Revisions=-15% | Analysts=21
EPS current Year (2026-12-31): EPS=10.19 | Chg30d=+0.09% | Revisions=-32% | GrowthEPS=+21.8% | GrowthRev=+145.4%
EPS next Year (2027-12-31): EPS=11.46 | Chg30d=+0.11% | Revisions=-68% | GrowthEPS=+12.4% | GrowthRev=+8.4%
[Analyst] Revisions Ratio: -44% (up=14, down=38)