(PNFP) Pinnacle Financial Partners - Overview
Stock: Deposits, Loans, Treasury, Investment, Insurance, Advisory
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.47% |
| Yield on Cost 5y | 1.73% |
| Yield CAGR 5y | 7.46% |
| Payout Consistency | 98.6% |
| Payout Ratio | 14.5% |
| Risk 5d forecast | |
|---|---|
| Volatility | 34.1% |
| Relative Tail Risk | -6.98% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.46 |
| Alpha | -35.21 |
| Character TTM | |
|---|---|
| Beta | 1.205 |
| Beta Downside | 1.510 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.17% |
| CAGR/Max DD | 0.24 |
Description: PNFP Pinnacle Financial Partners January 07, 2026
Pinnacle Financial Partners, Inc. (NASDAQ: PNFP) is a Nashville-based bank holding company that operates Pinnacle Bank, delivering a full suite of retail, commercial, and wealth-management services across the United States. Its product set spans deposit accounts (savings, checking, money-market, CDs), treasury-management tools (online wires, ACH, lockbox, positive pay), a broad array of loan products (equipment, working-capital, commercial-real-estate, residential mortgages, HELOCs), credit-card programs, brokerage and fiduciary services, and property-and-casualty insurance through an affiliated agency.
As of the latest quarter (Q4 2023), PNFP reported total assets of roughly **$14 billion**, a **net interest margin of 4.2%**, and **loan growth of 7% YoY**, outpacing deposit growth of 5% and supporting a **return on equity (ROE) of 12.5%**. The bank’s performance is closely tied to the **U.S. interest-rate cycle**-higher rates boost net interest income but also raise credit-risk considerations in commercial-real-estate and consumer loan portfolios. Additionally, regional-bank fundamentals are being shaped by **Fed policy expectations**, **inflation trends**, and **local economic activity in the Southeast**, where PNFP has a concentration of branches.
For a deeper dive into PNFP’s valuation metrics and scenario analysis, the ValueRay platform offers a concise, data-rich overview.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 642.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.12 > 1.0 |
| NWC/Revenue: 112.7% < 20% (prev -1190 %; Δ 1302 % < -1%) |
| CFO/TA 0.02 > 3% & CFO 1.14b > Net Income 642.1m |
| Net Debt (-1.04b) to EBITDA (837.8m): -1.25 < 3 |
| Current Ratio: 1.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (77.7m) vs 12m ago 0.47% < -2% |
| Gross Margin: 65.91% > 18% (prev 0.49%; Δ 6542 % > 0.5%) |
| Asset Turnover: 5.30% > 50% (prev 5.43%; Δ -0.13% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 837.8m / Interest Expense TTM 1.25b) |
Altman Z'' 0.76
| A: 0.06 (Total Current Assets 51.75b - Total Current Liabilities 48.46b) / Total Assets 57.71b |
| B: 0.06 (Retained Earnings 3.73b / Total Assets 57.71b) |
| C: 0.01 (EBIT TTM 779.9m / Avg Total Assets 55.15b) |
| D: 0.07 (Book Value of Equity 3.68b / Total Liabilities 50.66b) |
| Altman-Z'' Score: 0.76 = B |
Beneish M 1.00
| DSRI: 177.8 (Receivables 38.93b/214.1m, Revenue 2.92b/2.86b) |
| GMI: 0.75 (GM 65.91% / 49.14%) |
| AQI: 0.12 (AQ_t 0.10 / AQ_t-1 0.82) |
| SGI: 1.02 (Revenue 2.92b / 2.86b) |
| TATA: -0.01 (NI 642.1m - CFO 1.14b) / TA 57.71b) |
| Beneish M-Score: 141.7 (Cap -4..+1) = D |
What is the price of PNFP shares?
Over the past week, the price has changed by +8.08%, over one month by +5.22%, over three months by +20.69% and over the past year by -17.73%.
Is PNFP a buy, sell or hold?
- StrongBuy: 4
- Buy: 2
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the PNFP price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 115.9 | 13.3% |
| Analysts Target Price | 115.9 | 13.3% |
| ValueRay Target Price | 104.7 | 2.4% |
PNFP Fundamental Data Overview February 01, 2026
P/E Forward = 9.8912
P/S = 7.337
P/B = 2.1496
P/EG = 0.6
Revenue TTM = 2.92b USD
EBIT TTM = 779.9m USD
EBITDA TTM = 837.8m USD
Long Term Debt = 2.20b USD (from longTermDebt, two quarters ago)
Short Term Debt = 316.4m USD (from shortTermDebt, last quarter)
Debt = 2.52b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.04b USD (from netDebt column, last quarter)
Enterprise Value = 3.99b USD (14.29b + Debt 2.52b - CCE 12.82b)
Interest Coverage Ratio = 0.63 (Ebit TTM 779.9m / Interest Expense TTM 1.25b)
EV/FCF = 3.58x (Enterprise Value 3.99b / FCF TTM 1.12b)
FCF Yield = 27.95% (FCF TTM 1.12b / Enterprise Value 3.99b)
FCF Margin = 38.18% (FCF TTM 1.12b / Revenue TTM 2.92b)
Net Margin = 21.97% (Net Income TTM 642.1m / Revenue TTM 2.92b)
Gross Margin = 65.91% ((Revenue TTM 2.92b - Cost of Revenue TTM 996.1m) / Revenue TTM)
Gross Margin QoQ = 64.07% (prev 94.14%)
Tobins Q-Ratio = 0.07 (Enterprise Value 3.99b / Total Assets 57.71b)
Interest Expense / Debt = 12.06% (Interest Expense 304.0m / Debt 2.52b)
Taxrate = 17.36% (35.7m / 205.4m)
NOPAT = 644.5m (EBIT 779.9m * (1 - 17.36%))
Current Ratio = 1.07 (Total Current Assets 51.75b / Total Current Liabilities 48.46b)
Debt / Equity = 0.36 (Debt 2.52b / totalStockholderEquity, last quarter 7.04b)
Debt / EBITDA = -1.25 (Net Debt -1.04b / EBITDA 837.8m)
Debt / FCF = -0.94 (Net Debt -1.04b / FCF TTM 1.12b)
Total Stockholder Equity = 6.77b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.16% (Net Income 642.1m / Total Assets 57.71b)
RoE = 9.48% (Net Income TTM 642.1m / Total Stockholder Equity 6.77b)
RoCE = 8.69% (EBIT 779.9m / Capital Employed (Equity 6.77b + L.T.Debt 2.20b))
RoIC = 7.41% (NOPAT 644.5m / Invested Capital 8.70b)
WACC = 10.29% (E(14.29b)/V(16.81b) * Re(10.35%) + D(2.52b)/V(16.81b) * Rd(12.06%) * (1-Tc(0.17)))
Discount Rate = 10.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.60%
[DCF Debug] Terminal Value 71.20% ; FCFF base≈839.7m ; Y1≈889.3m ; Y5≈1.06b
Fair Price DCF = 91.14 (EV 12.65b - Net Debt -1.04b = Equity 13.70b / Shares 150.3m; r=10.29% [WACC]; 5y FCF grow 6.52% → 2.90% )
EPS Correlation: 53.38 | EPS CAGR: 8.49% | SUE: -0.26 | # QB: 0
Revenue Correlation: 82.09 | Revenue CAGR: 30.94% | SUE: 2.41 | # QB: 1
EPS next Quarter (2026-03-31): EPS=2.31 | Chg30d=+0.074 | Revisions Net=+2 | Analysts=19
EPS current Year (2026-12-31): EPS=10.22 | Chg30d=+0.142 | Revisions Net=+4 | Growth EPS=+22.1% | Growth Revenue=+144.2%
EPS next Year (2027-12-31): EPS=11.83 | Chg30d=+0.340 | Revisions Net=+7 | Growth EPS=+15.7% | Growth Revenue=+8.5%