Stock Analysis
Pinnacle Financial Partners, Inc.PNFP
P/E 17.27×· 5Y range 12.34–47.51×· bottom 12% of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsStrong Buy26 analystsP/E 17.3× sits at the 12th percentile of its 5.059548254620124-year history.
Cash covers 68% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Growth68
Risks
- Quality46
- Financial Health48
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓Revenue CAGR 23.3% — durable top-line growth
- ✓P/E 17.3× at bottom 12% of 5-year history
What's happening with PNFP
Profile
Strong valuation; earnings quality and financial health lag behind.
How is each axis scored?
- Valuation80/100 · Strong
- P/E vs own history (12th pct)25/25
- FCF yield (10.1%)25/25
- P/S (2.4x)20/25
- EV/EBIT (n/a)10/25
- Growth68/100 · Moderate
- Revenue CAGR (23.3%)25/25
- Net income CAGR (5.0%)12/25
- EPS CAGR 5Y (4.4%)6/25
- Fwd implied growth (102.6%)25/25
- Profitability50/100 · Moderate
- ROIC (n/a)0/25
- ROE (5.6%)5/25
- Net margin (13.8%)20/25
- Operating margin (44.7%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.07)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 3%)20/25
- Quality46/100 · Weak
- Piotroski F (6/9)15/25
- Beneish M (-1.53)6/25
- FCF conversion (175%)25/25
- Margin stability (n/a)0/25
- Moat50/100 · Moderate
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 19.4%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠Beneish M -1.53 — earnings-manipulation flag
About Pinnacle Financial Partners, Inc.
Pinnacle Financial Partners Inc is a financial holding company. Show more
The company operates through its wholly-owned subsidiary, Pinnacle Bank. The bank provides a full range of lending products, including commercial, real estate, and consumer loans to individuals and small to medium-sized businesses. It operates as a community bank mainly in the urban markets of Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, as well as surrounding counties. It relies heavily on mergers and acquisitions. A majority of its loan portfolio is in commercial loans, mainly real estate, as well as industrial loans. The bank generates a majority of its net revenue through net interest income.
Headquarters: ATLANTA, GA · Employees: 3,709 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
80AP/E (TTM)17.3xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 12.3x–47.5x · 12th pct
P/FCF9.7xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield10.1%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.0%–11.7% · 95th pct
P/S (TTM)2.39xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.3x–11.9x · lowest in history
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral — vs own 5Y history: 76.1x–96.1x · 90th pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.97xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.53A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.60%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio27.4%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
50CROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE5.6%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.9%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin13.8%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin24.2%A
Grade A: HighFCF / Revenue
True FCF Margin23.5%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
68BRevenue CAGR23.3%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR5.0%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)4.4%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth102.6%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+99.5%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income5.3%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.7%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.07D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment2.5yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.76xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.68xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
46D+Piotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-1.53D
Grade D: RiskyEarnings manipulation risk. < -2.22 Safe
FCF Conversion174.8%A
Grade A: StrongFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue1.5%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
GREGORY ANDREW J. JR. Filed | GREGORY ANDREW J. JR. | Gift | -8000 | |
Montana Gregory G Filed | Montana Gregory G | BuyOpen market buy | +500 | |
Blair Kevin S. Filed | Blair Kevin S. | BuyOpen market buy | +2.6K | |
TURNER M TERRY Filed | TURNER M TERRY | SellOpen market sale | -54107 | |
TURNER M TERRY Filed | TURNER M TERRY | SellOpen market sale | -66783 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
TURNER M TERRY Filed | TURNER M TERRY | SellOpen market sale | -53601 | |
TURNER M TERRY Filed | TURNER M TERRY | SellOpen market sale | -2737 | |
BOXLEY ABNEY S III Filed | BOXLEY ABNEY S III | BuyJ | +13.1K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor19.4%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.49
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$3.64
Cash & short-term investments per share (Finnhub)
Book Value / Share$98.20
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$11.28B
Total debt obligations (short + long term)
Cash & Equiv.$7.65B
Cash and short-term investments
Net Debt$3.63B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$14.83B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$14.31B
Current Market Capitalization
Beta1.06B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: Pinnacle Financial Partners, Inc. (PNFP)
Piotroski F-Score of 6/9 indicates mixed fundamentals for Pinnacle Financial Partners, Inc.. Altman Z-Score of 0.07 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -1.53 is above the −1.78 flag threshold, a signal that reported earnings warrant closer scrutiny. Revenue has compounded at roughly 23% annually, with net income growing about 5% per year — a strong growth profile.
- Pinnacle Financial Partners, Inc. converts about 24% of revenue into free cash flow — strong cash generation.
- Takes ~2.5 years to repay net debt from free cash flow.
- At a valuation score of 80/100, PNFP trades near the cheapest end of its own historical range (P/E 17.3).
See how PNFP ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all PNFP moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 7 | Regular | 93.24 | -3.02% | -2.51 |
| Oct 7 | After-hours | 93.09 | -3.17% | -2.65 |
Frequently Asked Questions about PNFP
What is the current Pinnacle Financial Partners, Inc. (PNFP) stock price?
PNFP is trading at $94.72 in after-hours trading, up 0.35% on the session. PreMarketPrice tracks PNFP pre-market, intraday and after-hours prices.
Is PNFP stock a buy right now?
PreMarketPrice's quantitative model rates Pinnacle Financial Partners, Inc.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PNFP stock overvalued?
Pinnacle Financial Partners, Inc. trades at a trailing P/E of 17.3 and our valuation score rates it 80/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Pinnacle Financial Partners, Inc. report earnings?
No confirmed earnings date is currently scheduled for PNFP. The Earnings section lists recent reports and updates as dates are announced.
What sector does Pinnacle Financial Partners, Inc. operate in?
Pinnacle Financial Partners, Inc. operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Pinnacle Financial Partners, Inc. do?
Pinnacle Financial Partners Inc is a financial holding company.
About Pinnacle Financial Partners, Inc. (PNFP) Stock
Pinnacle Financial Partners, Inc. (PNFP) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, Pinnacle Financial Partners, Inc. is trading at $94.72, up 0.35% on the day with a market capitalization of $14.3 billion. The financial health score for PNFP is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PNFP stock.
PNFP Stock Analysis & Key Metrics
On PreMarketPrice, you can track Pinnacle Financial Partners, Inc. (PNFP) across multiple dimensions:
- Pre-market price & movement: Real-time PNFP stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PNFP with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Pinnacle Financial Partners, Inc. across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PNFP.
- Sector peers: Compare PNFP against 6 other financial services stocks on key financial metrics.
Is PNFP a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Pinnacle Financial Partners, Inc. (PNFP) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Pinnacle Financial Partners, Inc. (PNFP) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.