Pinnacle Financial Partners, Inc. Logo

Pinnacle Financial Partners, Inc.

PNFP

(3.5)
Stock Price

112,24 USD

0.85% ROA

6.79% ROE

17.76x PER

Market Cap.

7.257.857.523,00 USD

44.65% DER

0.94% Yield

16.41% NPM

Pinnacle Financial Partners, Inc. Stock Analysis

Pinnacle Financial Partners, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Pinnacle Financial Partners, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.95x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a minimal amount of debt (43%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

6 ROE

ROE in an average range (10.57%) suggests satisfactory profitability and decent utilization of shareholders' equity.

7 ROA

The stock's ROA (1.33%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

8 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

9 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (216) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

10 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Pinnacle Financial Partners, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Pinnacle Financial Partners, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Pinnacle Financial Partners, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Pinnacle Financial Partners, Inc. Revenue
Year Revenue Growth
2000 496.057
2001 4.831.111 89.73%
2002 9.931.246 51.35%
2003 16.186.287 38.64%
2004 25.737.198 37.11%
2005 34.431.612 25.25%
2006 76.739.312 55.13%
2007 98.232.939 21.88%
2008 148.933.266 34.04%
2009 170.442.889 12.62%
2010 180.688.432 5.67%
2011 189.404.621 4.6%
2012 206.261.094 8.17%
2013 223.002.214 7.51%
2014 245.587.027 9.2%
2015 302.571.699 18.83%
2016 414.594.420 27.02%
2017 650.252.134 36.24%
2018 885.990.000 26.61%
2019 939.857.000 5.73%
2020 1.056.089.000 11.01%
2021 1.205.861.000 12.42%
2022 1.399.951.000 13.86%
2023 1.531.940.000 8.62%
2023 2.615.164.000 41.42%
2024 2.734.624.000 4.37%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Pinnacle Financial Partners, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Pinnacle Financial Partners, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 1.676.391
2001 4.137.863 59.49%
2002 5.236.792 20.98%
2003 7.260.982 27.88%
2004 9.540.641 23.89%
2005 13.130.779 27.34%
2006 27.469.275 52.2%
2007 36.145.588 24%
2008 53.752.057 32.75%
2009 73.896.266 27.26%
2010 96.377.209 23.33%
2011 93.977.499 -2.55%
2012 78.056.564 -20.4%
2013 82.646.967 5.55%
2014 88.319.567 6.42%
2015 105.928.914 16.62%
2016 140.818.772 24.78%
2017 209.661.812 32.84%
2018 271.673.000 22.83%
2019 313.359.000 13.3%
2020 334.483.000 6.32%
2021 436.006.000 23.28%
2022 510.175.000 14.54%
2023 521.376.000 2.15%
2023 563.640.000 7.5%
2024 600.468.000 6.13%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Pinnacle Financial Partners, Inc. EBITDA
Year EBITDA Growth
2000 -2.059.475
2001 2.075.526 199.23%
2002 6.315.947 67.14%
2003 11.155.720 43.38%
2004 17.203.887 35.16%
2005 30.461.356 43.52%
2006 77.138.280 60.51%
2007 112.555.616 31.47%
2008 142.393.313 20.95%
2009 20.836.807 -583.37%
2010 50.584.719 58.81%
2011 76.332.538 33.73%
2012 95.292.136 19.9%
2013 110.514.133 13.77%
2014 128.120.294 13.74%
2015 171.903.471 25.47%
2016 246.993.999 30.4%
2017 367.198.787 32.74%
2018 636.719.000 42.33%
2019 507.445.000 -25.48%
2020 381.151.000 -33.13%
2021 660.423.000 42.29%
2022 949.945.000 30.48%
2023 678.980.000 -39.91%
2023 7.090.000 -9476.59%
2024 -21.552.000 132.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Pinnacle Financial Partners, Inc. Gross Profit
Year Gross Profit Growth
2000 496.057
2001 4.831.111 89.73%
2002 9.931.246 51.35%
2003 16.186.287 38.64%
2004 25.737.198 37.11%
2005 34.431.612 25.25%
2006 76.739.312 55.13%
2007 98.232.939 21.88%
2008 148.933.266 34.04%
2009 170.442.889 12.62%
2010 180.688.432 5.67%
2011 189.404.621 4.6%
2012 197.020.759 3.87%
2013 214.686.916 8.23%
2014 235.952.704 9.01%
2015 288.832.257 18.31%
2016 393.026.482 26.51%
2017 620.051.718 36.61%
2018 841.937.000 26.35%
2019 939.857.000 10.42%
2020 1.056.089.000 11.01%
2021 1.205.861.000 12.42%
2022 1.399.951.000 13.86%
2023 1.531.940.000 8.62%
2023 2.614.856.000 41.41%
2024 2.734.572.000 4.38%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Pinnacle Financial Partners, Inc. Net Profit
Year Net Profit Growth
2000 -2.255.189
2001 -1.136.665 -98.4%
2002 648.060 275.4%
2003 2.554.639 74.63%
2004 5.318.910 51.97%
2005 8.055.268 33.97%
2006 17.927.033 55.07%
2007 23.041.355 22.2%
2008 30.873.918 25.37%
2009 -35.499.967 186.97%
2010 -24.300.492 -46.09%
2011 43.737.367 155.56%
2012 41.883.881 -4.43%
2013 57.726.201 27.44%
2014 70.471.167 18.09%
2015 95.509.402 26.22%
2016 127.224.695 24.93%
2017 173.979.487 26.87%
2018 359.440.000 51.6%
2019 400.881.000 10.34%
2020 312.321.000 -28.36%
2021 527.323.000 40.77%
2022 560.742.000 5.96%
2023 530.412.000 -5.72%
2023 562.152.000 5.65%
2024 212.648.000 -164.36%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Pinnacle Financial Partners, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 -1
2001 0 0%
2002 0 0%
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 1 0%
2009 -1 200%
2010 -1 0%
2011 1 100%
2012 1 0%
2013 2 0%
2014 2 50%
2015 3 0%
2016 3 0%
2017 3 0%
2018 5 50%
2019 5 20%
2020 4 -25%
2021 7 33.33%
2022 7 14.29%
2023 7 -16.67%
2023 7 14.29%
2024 3 -250%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Pinnacle Financial Partners, Inc. Free Cashflow
Year Free Cashflow Growth
2000 -5.740.636
2001 -2.520.666 -127.74%
2002 2.717.529 192.76%
2003 722.989 -275.87%
2004 1.597.203 54.73%
2005 4.732.640 66.25%
2006 7.256.485 34.78%
2007 10.322.213 29.7%
2008 24.183.094 57.32%
2009 71.113.729 65.99%
2010 119.980.703 40.73%
2011 111.058.490 -8.03%
2012 108.413.213 -2.44%
2013 121.141.433 10.51%
2014 89.179.593 -35.84%
2015 72.862.483 -22.39%
2016 109.580.384 33.51%
2017 94.442.330 -16.03%
2018 447.018.000 78.87%
2019 392.135.000 -14%
2020 388.064.000 -1.05%
2021 634.266.000 38.82%
2022 540.578.000 -17.33%
2023 199.158.999 -171.43%
2023 0 0%
2024 147.896.000 100%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Pinnacle Financial Partners, Inc. Operating Cashflow
Year Operating Cashflow Growth
2000 -2.736.868
2001 -1.205.805 -126.97%
2002 3.394.852 135.52%
2003 4.633.737 26.74%
2004 6.742.072 31.27%
2005 8.171.556 17.49%
2006 11.906.161 31.37%
2007 16.394.026 27.38%
2008 33.632.874 51.26%
2009 90.305.539 62.76%
2010 129.589.112 30.31%
2011 113.089.755 -14.59%
2012 114.277.665 1.04%
2013 126.435.352 9.62%
2014 95.058.155 -33.01%
2015 83.733.334 -13.52%
2016 126.638.676 33.88%
2017 147.941.106 14.4%
2018 470.757.000 68.57%
2019 434.288.000 -8.4%
2020 427.825.000 -1.51%
2021 657.444.000 34.93%
2022 604.925.000 -8.68%
2023 521.414.999 -16.02%
2023 0 0%
2024 174.784.000 100%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Pinnacle Financial Partners, Inc. Capital Expenditure
Year Capital Expenditure Growth
2000 3.003.768
2001 1.314.861 -128.45%
2002 677.323 -94.13%
2003 3.910.748 82.68%
2004 5.144.869 23.99%
2005 3.438.916 -49.61%
2006 4.649.676 26.04%
2007 6.071.813 23.42%
2008 9.449.780 35.75%
2009 19.191.810 50.76%
2010 9.608.409 -99.74%
2011 2.031.265 -373.03%
2012 5.864.452 65.36%
2013 5.293.919 -10.78%
2014 5.878.562 9.95%
2015 10.870.851 45.92%
2016 17.058.292 36.27%
2017 53.498.776 68.11%
2018 23.739.000 -125.36%
2019 42.153.000 43.68%
2020 39.761.000 -6.02%
2021 23.178.000 -71.55%
2022 64.347.000 63.98%
2023 322.256.000 80.03%
2023 0 0%
2024 26.888.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Pinnacle Financial Partners, Inc. Equity
Year Equity Growth
2000 15.770.865
2001 18.290.802 13.78%
2002 32.403.647 43.55%
2003 34.336.381 5.63%
2004 57.880.175 40.68%
2005 63.436.425 8.76%
2006 256.017.021 75.22%
2007 466.610.294 45.13%
2008 627.034.508 25.58%
2009 701.020.181 10.55%
2010 677.457.285 -3.48%
2011 710.144.568 4.6%
2012 679.071.359 -4.58%
2013 723.707.661 6.17%
2014 802.693.381 9.84%
2015 1.155.611.300 30.54%
2016 1.496.696.112 22.79%
2017 3.707.952.031 59.64%
2018 3.965.940.000 6.51%
2019 4.355.748.000 8.95%
2020 4.904.611.000 11.19%
2021 5.310.607.000 7.65%
2022 5.519.392.000 3.78%
2023 6.035.788.000 8.56%
2023 5.837.641.000 -3.39%
2024 6.174.668.000 5.46%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Pinnacle Financial Partners, Inc. Assets
Year Assets Growth
2000 39.042.294
2001 175.439.361 77.75%
2002 305.278.974 42.53%
2003 498.420.658 38.75%
2004 727.139.450 31.45%
2005 1.016.771.730 28.49%
2006 2.142.186.863 52.54%
2007 3.794.170.461 43.54%
2008 4.755.781.199 20.22%
2009 5.128.811.004 7.27%
2010 4.909.003.880 -4.48%
2011 4.863.950.704 -0.93%
2012 5.040.548.616 3.5%
2013 5.563.775.857 9.4%
2014 6.018.247.797 7.55%
2015 8.708.955.597 30.9%
2016 11.194.622.599 22.2%
2017 22.205.699.847 49.59%
2018 25.031.044.000 11.29%
2019 27.805.496.000 9.98%
2020 34.932.860.000 20.4%
2021 38.469.399.000 9.19%
2022 41.970.021.000 8.34%
2023 48.145.878.000 12.83%
2023 47.523.790.000 -1.31%
2024 49.366.969.000 3.73%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Pinnacle Financial Partners, Inc. Liabilities
Year Liabilities Growth
2000 0
2001 14.657.693 100%
2002 21.500.000 31.82%
2003 464.084.277 95.37%
2004 669.259.275 30.66%
2005 953.335.305 29.8%
2006 1.886.169.842 49.46%
2007 3.327.560.167 43.32%
2008 4.128.746.691 19.41%
2009 4.427.790.823 6.75%
2010 4.231.546.595 -4.64%
2011 4.153.806.136 -1.87%
2012 4.361.477.257 4.76%
2013 4.840.068.196 9.89%
2014 5.215.554.416 7.2%
2015 7.553.344.297 30.95%
2016 9.697.926.487 22.11%
2017 18.497.747.816 47.57%
2018 21.065.104.000 12.19%
2019 23.449.748.000 10.17%
2020 30.028.249.000 21.91%
2021 33.158.792.000 9.44%
2022 36.450.629.000 9.03%
2023 42.110.090.000 13.44%
2023 41.686.149.000 -1.02%
2024 43.192.301.000 3.49%

Pinnacle Financial Partners, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
32.94
Net Income per Share
5.29
Price to Earning Ratio
17.76x
Price To Sales Ratio
2.88x
POCF Ratio
12.67
PFCF Ratio
29.3
Price to Book Ratio
1.16
EV to Sales
3.05
EV Over EBITDA
47.86
EV to Operating CashFlow
13.54
EV to FreeCashFlow
31.04
Earnings Yield
0.06
FreeCashFlow Yield
0.03
Market Cap
7,26 Bil.
Enterprise Value
7,69 Bil.
Graham Number
98.01
Graham NetNet
-467.5

Income Statement Metrics

Net Income per Share
5.29
Income Quality
1.4
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.8
EBT Per Ebit
1.03
Ebit per Revenue
0.2
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.18
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
1.21
Operating Profit Margin
0.2
Pretax Profit Margin
0.21
Net Profit Margin
0.16

Dividends

Dividend Yield
0.01
Dividend Yield %
0.94
Payout Ratio
0.21
Dividend Per Share
0.88

Operating Metrics

Operating Cashflow per Share
7.42
Free CashFlow per Share
3.24
Capex to Operating CashFlow
0.56
Capex to Revenue
0.13
Capex to Depreciation
3.65
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
31.89
Days Payables Outstanding
-83.68
Days of Inventory on Hand
-70.78
Receivables Turnover
11.44
Payables Turnover
-4.36
Inventory Turnover
-5.16
Capex per Share
4.18

Balance Sheet

Cash per Share
94,58
Book Value per Share
80,71
Tangible Book Value per Share
56.25
Shareholders Equity per Share
80.71
Interest Debt per Share
49.2
Debt to Equity
0.45
Debt to Assets
0.06
Net Debt to EBITDA
2.68
Current Ratio
0.13
Tangible Asset Value
4,30 Bil.
Net Current Asset Value
-40,52 Bil.
Invested Capital
-15063347000
Working Capital
-17,22 Bil.
Intangibles to Total Assets
0.04
Average Receivables
0,22 Bil.
Average Payables
0,06 Bil.
Average Inventory
-1409080500
Debt to Market Cap
0.38

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Pinnacle Financial Partners, Inc. Dividends
Year Dividends Growth
2013 0
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Pinnacle Financial Partners, Inc. Profile

About Pinnacle Financial Partners, Inc.

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.

CEO
Mr. Michael Terry Turner
Employee
3.516
Address
150 Third Avenue South
Nashville, 37201

Pinnacle Financial Partners, Inc. Executives & BODs

Pinnacle Financial Partners, Inc. Executives & BODs
# Name Age
1 Mr. Michael Terry Turner
President, Chief Executive Officer & Director
70
2 Mr. Harold R. Carpenter Jr.
Executive Vice President, Chief Financial Officer, Corporate Secretary & Principal Accounting Officer
70
3 Mr. Mac Johnston
Senior Economic & Market Analyst
70
4 Mr. Randall L. Withrow
Chief Information Officer, Senior Vice President, Chief Solutions Officer & EVP of Bank Operations
70
5 Ms. Mary W. Schneider
Chief Compliance Officer
70
6 Ms. Catherine C. Stallings J.D.
Chief Legal Counsel
70
7 Ms. Joanne B. Jackson
Executive Vice President
70
8 Mr. Richard D. Callicutt II
Chairman for the Carolinas & Virginia and Director
70
9 Ms. Nikki Minges
Director of Communications
70
10 Mr. Robert A. McCabe Jr.
Co-Founder & Chairman
70

Pinnacle Financial Partners, Inc. Competitors