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PNFP
Pinnacle Financial Partners, Inc.
$87.47
-0.38
(-0.43%)
| Exchange: | NASDAQ |
| Market Cap: | 6.723B |
| Shares Outstanding: | 1.618M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Kevin S. Blair | |||||
| Full Time Employees: | 3595 | |||||
| Address: |
| |||||
| Website: | https://www.pnfp.com |
Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance agency services primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,474,639 | 2,853,770 | 2,922,386 |
| Gross Profit | 1,289,793 | 1,400,673 | 1,926,253 |
| EBITDA | 792,704 | 679,791 | 837,807 |
| Operating Income | 714,006 | 581,209 | 779,878 |
| Net Income | 562,152 | 475,056 | 642,095 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 47,959,883 | 52,589,449 | 57,706,053 |
| Total Liabilities | 41,924,095 | 46,157,568 | 50,662,338 |
| Total Stockholders Equity | 6,035,788 | 6,431,881 | 7,043,715 |
| Total Debt | 2,772,596 | 2,530,199 | 2,521,480 |
| Cash and Cash Equivalents | 2,143,476 | 3,342,280 | 3,565,082 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2022 | 2023 | 2024 |
|---|---|---|---|
| Operating Cash Flow | 604,925 | 478,404 | 904,306 |
| Capital Expenditure | -64,347 | -78,256 | -97,015 |
| Free Cash Flow | 540,578 | 400,148 | 807,291 |
| Net Income | 560,742 | 562,152 | 475,056 |
| Net Change in Cash | -2,924,157 | 1,052,967 | 1,205,576 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 5,733,611.090 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 6,044,129.287 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 5,916,640.280 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 2,196,580.080 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 2,315,541.425 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 2,266,699.637 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 648,392.730 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 691,953.998 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 670,173.364 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,765,533.796 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,861,150.740 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,821,893.430 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 8.620 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 8.900 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 8.340 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: PNFP has demonstrated consistent revenue growth as reported in recent income statements, reflecting robust operational performance. This growth aligns with positive industry trends in the financial services sector, particularly within banking, as indicated by sector performance metrics.
- Solid Profitability Metrics: Key metrics such as net profit margin (TTM) and return on equity (ROE TTM) highlight PNFP’s ability to generate profits efficiently. High gross profit margins (TTM) further underscore effective cost management and operational efficiency compared to industry averages.
- Healthy Cash Flow Generation: Free cash flow (TTM) and operating cash flow from cash flow statements indicate strong liquidity and the ability to fund operations and investments without excessive reliance on external financing, providing a stable financial foundation.
- Market Position and Scale: With a significant market capitalization and a substantial employee base as per the company profile, PNFP holds a competitive position within the regional banking industry, supported by a diversified geographic revenue base as seen in revenue geo segments.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates PNFP intrinsic value between $123.09 – $154.01 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about PNFP valuation
Is Pinnacle Financial Partners, Inc. (PNFP) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Pinnacle Financial Partners, Inc. (PNFP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is PNFP a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PNFP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is PNFP’s P/E ratio?
You can see PNFP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for PNFP?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is PNFP a good long-term investment?
Whether PNFP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
PNFP
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
-0.43
Trading Metrics:
| Open: | 86.77 | Previous Close: | 87.85 | |
| Day Low: | 85.35 | Day High: | 88.12 | |
| Year Low: | 81.08 | Year High: | 120.46 | |
| Price Avg 50: | 91.76 | Price Avg 200: | 95.41 | |
| Volume: | 826510 | Average Volume: | 1.601M |
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Login — it's freePNFP full analysis
Welcome to MARKETSNAP’s SWOT analysis for Pinnacle Financial Partners, or PNFP as it’s known on the ticker. If you’re not familiar with this name, let me give you the quick rundown. Pinnacle Financial Partners is a regional bank operating primarily in the U.S., based in the financial services sector, specifically within the banking industry. They’ve carved out a solid niche in providing banking, investment, and trust services, mainly in the Southeast and Midwest markets. With a decent market cap and…
