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Company Analysis

Pinnacle Financial Partners, In PNFP

A comprehensive view of key metrics, scores, and financial health for Pinnacle Financial Partners, In

Overview of Pinnacle Financial Partners, Inc.

PNFP NYQ
Financial Services Banks - Regional Mid Cap
Pinnacle Financial Partners, Inc. (PNFP), is a Mid Cap company, in the Banks - Regional industry, last closed at $82.89, about 7.3% undervalued vs fair value, -20.1% 1Y return, ranked 498/1004 in sector.
$82.89
-0.79%
As of March 13, 2026
Previous close • Vol 90d: 30.4%
Market Cap
$6.87B
Enterprise Value
$5.83B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.pnfp.com
HQ Nashville, TN
Employees 3,709
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$49
$89
$167
Current: $82.89 +7% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.7B
14.6%%
Interest Expense
$1.2B
Net Interest Income
$1.4B
8.2%%
Total Revenue
$2.9B
92.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$98.6M
21.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pinnacle Financial Partners, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
61
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PNFP's balance between Growth (44.4%), Profitability (30.3%), and Safety (25.3%). Growth 44% Safety 25% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

80th percentile vs peers
81
Key Signals
Rev Growth YoY 92.1% 79p Revenue CAGR 3Y 30.8% 86p Asset Growth YoY 9.7% 77p
Strengths
  • Growth performance in top 20% of peers (percentile: 80)
  • Revenue Cagr 3Y in top 20% of peers (30.8%, 86th percentile)
Risks

No significant risks identified for this axis.

Profitability

55th percentile vs peers
55
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
46
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pinnacle Financial Partners, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$88.90
- - -
+7.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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