Pinnacle Financial Partners, Inc. (PNFP)
OvervaluedFundamental
65
Price
$93.61
Market Cap
$14.15B
Part 1 · What the company is worth
Overview
Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.
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Direct competitors
Who this company fights with for the same customers
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Balance Sheet & Liquidity
Revenue
$3.31B
Trailing 12 months (through 6/30/2026)
Net Income
$821M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$679M
Total Equity
$7.04B
Total Liabilities
$50.66B
Current Ratio
-
Interest Coverage
0.50
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$64.84
Current Price
$93.61
Margin of Safety
-44.4%
Fair Value Range
$42.14 - $87.53
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
11.60
ROE
9.1%
P/B Ratio
2.01
P/FCF
20.83
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
10.6%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (17)
- EPS shows upward trend
- EPS CAGR 6.31%
- P/FCF 20.83
- P/B Ratio 2.01
- Operating Margin 38.0%
- Positive Free Cash Flow
- CapEx intensity
- Low reliance on intangibles
- ROE 7.6%
- Revenue Growth 5Y 16.6%
- Analyst Consensus 77% Buy
- Earnings Surprise avg 2.5%
- PEG Ratio 1.17
- Earnings Quality (OCF/NI) 1.18
- Share Dilution -0.2%
- Net Margin Trend 31.2% vs 27.4%
- Piotroski F-Score 6/9
Failed (6)
- Price CAGR 3.03%
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- Price below Graham Number
- DCF valuation (Overvalued)
Unavailable (5)
- ROIC NaN%
- Gross Margin NaN%
- Dividend Payout NaN%
- Current Ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Michael Terry Turner | Founder & Chairman | 70 |
| Mr. Robert A. McCabe Jr. | Founder, Executive VP, Chief Banking Officer & Vice Chair | 74 |
| Mr. Richard D. Callicutt II | Chairman of Carolinas, Virginia & National Capital Regions | 66 |
| Ms. Charissa D. Sumerlin | Executive VP & Chief Credit Officer | 48 |
| Mr. Kevin S. Blair | President, CEO & Director | 54 |
| Mr. Andrew Jamie Gregory Jr. | Executive VP & CFO | 49 |
| Mr. Daniel Zachary Bishop | Executive VP & COO | 49 |
| Ms. Jill K. Hurley | Chief Accounting Officer & Controller | 45 |
| Mr. Randall L. Withrow | Chief Information Officer, Senior VP, Chief Solutions Officer & EVP of Bank Operations | - |
| Ms. Jennifer S. Upshaw | Executive VP & Chief Administrative Officer | 44 |
Audit Risk
1
Board Risk
4
Compensation Risk
2
Shareholder Rights Risk
2
Part 2 · The price and when to enter
This part won't tell you whether the company is worth owning: it helps you choose when to buy it, once the fundamentals have convinced you. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-03-02
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-04
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-10
via SEC EDGAR
Income History
via SEC EDGAR
Latest News
Recent headlines for PNFP, sourced from Markets Gazette.