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Pinnacle Financial Partners, Inc. PNFP

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Price alert · PNFP

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104.32 USD +2.66 +2.62%

At close · Nov 2

104.32 0.00 0.00%

After hours · Nov 2, 6:40 PM ET

Bid
104.20 × 100
Ask
104.38 × 100
102.23 Day range 105.24
81.08 52-week range 110.33
YTD
+9.34%
1 year
+22.43%
Open
102.46
Prev close
101.66
Mkt cap
15.76B
Vol
1.14M
Avg vol
1.05M
EPS
7.47
P/E
13.97
Div yield
1.97%
More statistics
Low
102.23
High
105.24
Forward P/E
8.97
Beta
1.03
Short ratio
5.54
Inst. own
89.37%
Dividend
2.00
Ex-div date
Nov 5, 2026
Earnings
Jan 20, 2027
50-d avg
97.49
200-d avg
96.70
1y target
121.41

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Financial health

Altman Z-Score

-0.48 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 11.7×
FY 2016: 23.4×FY 2017: 24.3×FY 2018: 9.9×FY 2019: 12.2×FY 2020: 15.9×FY 2021: 14.1×FY 2022: 10.2×FY 2023: 12.1×FY 2024: 19.0×FY 2025: 11.7×
FY 2016 5y median 12.1× FY 2025
P/S 2.5×
FY 2016: 6.9×FY 2017: 5.9×FY 2018: 3.4×FY 2019: 4.1×FY 2020: 4.0×FY 2021: 5.9×FY 2022: 3.6×FY 2023: 2.7×FY 2024: 3.1×FY 2025: 2.5×
FY 2016 5y median 3.1× FY 2025
P/B 1.0×
FY 2016: 2.0×FY 2017: 1.1×FY 2018: 0.9×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.4×FY 2022: 1.0×FY 2023: 1.1×FY 2024: 1.4×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
P/FCF 11.0×
FY 2016: 22.1×FY 2017: 37.6×FY 2018: 8.0×FY 2019: 12.6×FY 2020: 12.5×FY 2021: 11.4×FY 2022: 10.3×FY 2023: 16.6×FY 2024: 10.8×FY 2025: 11.0×
FY 2016 5y median 11.0× FY 2025
EV/EBITDA 7.0×
FY 2016: 19.0×FY 2017: 20.0×FY 2018: 11.6×FY 2019: 14.7×FY 2020: 7.2×FY 2021: 6.6×FY 2022: 7.2×FY 2023: 9.2×FY 2024: 11.7×FY 2025: 7.0×
FY 2016 5y median 7.2× FY 2025
EV/Sales 2.2×
FY 2016: 8.5×FY 2017: 7.7×FY 2018: 4.7×FY 2019: 6.2×FY 2020: 2.5×FY 2021: 3.8×FY 2022: 3.5×FY 2023: 2.9×FY 2024: 2.8×FY 2025: 2.2×
FY 2016 5y median 2.9× FY 2025
FCF Yield 9.1%
FY 2016: 4.5%FY 2017: 2.7%FY 2018: 12.6%FY 2019: 8.0%FY 2020: 8.0%FY 2021: 8.8%FY 2022: 9.7%FY 2023: 6.0%FY 2024: 9.2%FY 2025: 9.1%
FY 2016 5y median 9.1% FY 2025

Profitability

Gross Margin 65.9%
FY 2016: 86.8%FY 2017: 83.7%FY 2018: 76.7%FY 2019: 72.5%FY 2020: 66.4%FY 2021: 90.5%FY 2022: 79.8%FY 2023: 52.1%FY 2024: 49.1%FY 2025: 65.9%
FY 2016 5y median 65.9% FY 2025
Operating Margin 26.7%
FY 2016: 44.4%FY 2017: 41.7%FY 2018: 42.9%FY 2019: 41.6%FY 2020: 31.0%FY 2021: 53.6%FY 2022: 45.0%FY 2023: 28.9%FY 2024: 20.4%FY 2025: 26.7%
FY 2016 5y median 28.9% FY 2025
Net Margin 22.0%
FY 2016: 29.5%FY 2017: 24.3%FY 2018: 34.2%FY 2019: 33.5%FY 2020: 26.0%FY 2021: 43.4%FY 2022: 36.2%FY 2023: 22.7%FY 2024: 16.6%FY 2025: 22.0%
FY 2016 5y median 22.7% FY 2025
ROE 9.1%
FY 2016: 8.5%FY 2017: 4.7%FY 2018: 9.1%FY 2019: 9.2%FY 2020: 6.4%FY 2021: 9.9%FY 2022: 10.2%FY 2023: 9.3%FY 2024: 7.4%FY 2025: 9.1%
FY 2016 5y median 9.3% FY 2025
ROIC 6.7%
FY 2016: 5.2%FY 2017: 3.0%FY 2018: 5.8%FY 2019: 5.3%FY 2020: 4.3%FY 2021: 7.4%FY 2022: 8.0%FY 2023: 6.0%FY 2024: 4.9%FY 2025: 6.7%
FY 2016 5y median 6.7% FY 2025
ROA 1.1%
FY 2016: 1.1%FY 2017: 0.8%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 0.9%FY 2021: 1.4%FY 2022: 1.3%FY 2023: 1.2%FY 2024: 0.9%FY 2025: 1.1%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 2.4%
FY 2016: 40.3%FY 2017: 65.8%FY 2018: 46.8%FY 2019: 13.9%FY 2020: 0.3%FY 2021: 1.4%FY 2022: 27.4%FY 2023: 59.7%FY 2024: 15.3%FY 2025: 2.4%
FY 2016 FY 2025
Operating Income 34.2%
FY 2016: 33.7%FY 2017: 55.7%FY 2018: 51.0%FY 2019: 10.6%FY 2020: -25.4%FY 2021: 75.5%FY 2022: 7.0%FY 2023: 2.4%FY 2024: -18.6%FY 2025: 34.2%
FY 2016 FY 2025
EPS (diluted) 35.7%
FY 2016: 15.5%FY 2017: -7.2%FY 2018: 71.9%FY 2019: 12.5%FY 2020: -22.8%FY 2021: 67.5%FY 2022: 6.2%FY 2023: -0.4%FY 2024: -16.5%FY 2025: 35.7%
FY 2016 FY 2025
Free Cash Flow -17.6%
FY 2016: 83.4%FY 2017: -16.9%FY 2018: 297.8%FY 2019: -12.9%FY 2020: -0.6%FY 2021: 63.9%FY 2022: -14.8%FY 2023: -26.0%FY 2024: 101.7%FY 2025: -17.6%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.4×
FY 2016: 0.6×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.7×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA -1.2×
FY 2016: 3.4×FY 2017: 4.6×FY 2018: 3.2×FY 2019: 5.1×FY 2020: -4.4×FY 2021: -3.6×FY 2022: -0.1×FY 2023: 0.8×FY 2024: -1.2×FY 2025: -1.2×
FY 2016 5y median -1.2× FY 2025
Interest Coverage 0.6×
FY 2016: 5.0×FY 2017: 3.2×FY 2018: 2.1×FY 2019: 1.6×FY 2020: 1.9×FY 2021: 6.6×FY 2022: 2.9×FY 2023: 0.7×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 1.2%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 1.3%FY 2019: 1.0%FY 2020: 1.2%FY 2021: 1.0%FY 2022: 1.5%FY 2023: 1.3%FY 2024: 1.0%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025
Payout Ratio 14.0%
FY 2016: 19.4%FY 2017: 20.6%FY 2018: 12.6%FY 2019: 12.4%FY 2020: 18.2%FY 2021: 13.4%FY 2022: 14.9%FY 2023: 14.9%FY 2024: 17.7%FY 2025: 14.0%
FY 2016 5y median 14.9% FY 2025

Annual · latest fiscal year ends 2025-12-31