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Pinnacle Financial Partners, Inc. (PNFP) fair value: what the stock is really worth

As of Nov 5, 2026: fair value (intrinsic value) of Pinnacle Financial Partners, Inc. stock $36.63, price $101, that is 63.9% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

PF Pinnacle Financial Partners, Inc. logo Broad data Nov 5, 2026

Pinnacle Financial Partners, Inc.

PNFP · US
Very expensive, weak quality

Our calculation puts a fair price 64% below what the stock costs today.

Healthy Growth (revenue 5y +19.5 %/yr in USD)
Highly profitable · 24.9% net margin (TTM)
1.5% dividend yield · Low payout
Positive coverage
Broad data
Revenue last quarter +137% vs. a year ago.
Quality 46/100
Wide moat 66/100 · thin data
Insiders bought $2.3M (6M) · sold $19.7M
Fair value $36.63 · Strongly overvalued (−63.9%)
Trails peers (4/15)
⚠ Dilution

Risks from the AI analysis

🚩Regulatory compliance burdens after merger

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$127.32 $44.53 Fair Value $36.63 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $44.53 – $127.32 · fair‑value band $32.86 – $44.57 · the $101.49 price screens above the $36.63 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

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.

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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.

Stock analysis

Pinnacle Financial Partners, Inc. (PNFP) currently trades at $101.49, while our model-based Fair Value estimate is $36.63, 64% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $47.85 per share, and 0 of the 6 models we run sit above the $101.49 price.

Bear case: the Asset-Based group reads lowest at $7.20, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $32.86 (bear) to $44.57 (bull), the price of $101.49 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Pinnacle Financial Partners, Inc. reported revenue of $2.9B in FY2025 versus $1.2B in FY2021, a compound +24.5%/yr. Reported net income was $642M in FY2025, compounding +5.0%/yr from FY2021.

Key figures

Market cap $15.4B Large · P/E ratio 13.6 · P/S ratio 4.66 · EPS (TTM) $7.47 · Dividend yield 1.5% · Net margin 24.9% · Return on equity 7.7% · Return on assets (EBIT) 1.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −64%, PNFP screens richer than that median.

Fair Value models

Bear $32.86 Fair Value $36.63 Bull $44.57
Price $101.49 · Downside -63.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($5.09 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $39.51 $43.09 $52.44 76
DDM Multi-Stage $5.31 $9.21 $11.34 67
Gordon GGM $5.31 $10.76 $16.58 66
All 6 models by family
Dividend Discount
Gordon GGM $5.31 $10.76 $16.58 66
DDM Multi-Stage $5.31 $9.21 $11.34 67
Multiples
P/E Multiple $41.43 $55.24 $69.05 63
P/B Multiple $35.89 $47.85 $59.82 55
Asset-Based
NCAV (Graham) $4.75 $7.20 $9.00 54
Economic Profit
Residual Income $39.51 $43.09 $52.44 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 32
How much profit the company makes from its sales and capital
Quality Growth 65
Are margins and returns getting better?
Cashflow 79
Do the profits arrive as real cash?
Financial strength 21
Debt, balance sheet and risk of trouble
Investment 65
Does it invest with discipline instead of growing at any price?
Low Volatility 67
How calm the share price moves, does not count
Price momentum 44
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 64
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 4 officers or directors bought shares worth $2.3M, most recently on Oct 28, 2026. Over the same period, 2 people sold shares worth $19.7M. Buying cluster

  • SaleAllan E KamenskyChief Legal Officer5,000 shares at $104.62$523,100Nov 2, 2026
  • BuyDavid B IngramDirector10,000 shares at $99.16$991,600Oct 28, 2026
  • BuyGregory G MontanaDirector500 shares at $98.61$49,305Sep 10, 2026
  • BuyKevin S. BlairChief Executive Officer, Director2,565 shares at $97.48$250,036Sep 1, 2026
  • SaleM Terry TurnerDirector2× since Aug 6, 2026: 177,228 shares, avg. $108.07$19.2MAug 17, 202610b5-1 plan
  • BuyRobert A McCabe JrChief Banking Officer, Director10,013 shares at $99.90$1.0MJul 24, 2026
  • BuyAndrew J. Gregory Jr.Chief Financial Officer1,000 shares at $94.52$94,520Feb 12, 2026

Plus 16 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.5%
Start year 2020 (pandemic). Over 10 years: +25.3% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+40.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+11.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)1.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.9.6% vs 12.6%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 27%
Pace: the 5-year rate starts in 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−7.7%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+18.0%
Yearly sales growth analysts expect, extended to five years.
The revenue jump in 2026 (+72.6%) comes with 94% more shares (acquisition or merger paid in stock). Per share it is about −11.2%. The comparison above is unreliable in such a year.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −9.9% a year for the price and +15.2% for the forecasts.
Forecast 2026 (sales)+72.6%
Forecast 2027 (sales)+8.5%
Projected 2028 (sales)+7.7%
Projected 2029 (sales)+6.9%
Projected 2030 (sales)+6.1%

PNFP screens overvalued: fair value 64% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (98 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.
Note from the team Oct 29, 2026
AI conclusion: Moderate moat from relationship focus sustained by high-retention recruiting of revenue producers, yet limited differentiation and thin public data leave uniqueness versus other regionals unclear.
Main risk: Heightened regulatory scrutiny and compliance requirements following the merger with Synovus could increase operating costs and restrict operational flexibility for the larger bank.
Bull case: By using its proven talent recruitment and AI-supported integration processes the bank could sustain client relationships and meet enhanced standards to operate efficiently at greater scale.
Bear case: If integration difficulties trigger compliance shortfalls or talent losses the bank could encounter regulatory constraints that impair its relationship model and expansion.
Pinnacle has sustained its post-merger growth through aggressive recruiting of experienced revenue producers, with 96 added in the third quarter alone and retention holding near 95 percent outside synergies. This talent-driven approach supports loan and deposit momentum while the company prepares for full platform conversion in March 2027. Our models see it as overvalued. Can the hiring edge keep delivering efficient scale, or will integration costs and larger size erode the relationship focus that built the bank?
Join the discussion →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks

Beats the industry median on 4/15 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Bottom 25%
Fair Value upside −63.9% · Bottom 25%
Profitability
Return on equity (12 months) 7.7% · Below median
Return on assets 1.1% · Above median
Net margin (12 months) 24.9% · Below median
Operating margin (12 months) 47.0% · Above median
Growth and dividend
Revenue growth (quarter YoY) 137.0% · Top 25%
Dividend yield (12 months) 1.5% · Bottom 25%
Balance sheet
Debt / equity 0.31× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 13.6× · Pricier than median
P/B 2.18× · Priciest 25%
P/S (12 months) 4.66× · Priciest 25%
Price / free cash flow 23.1× · Priciest 25%
EV/EBITDA 16.7× · Priciest 25%
PEG 1.41× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 48
PAST (return on equity)31 · sector 43
HEALTH (low debt)84 · sector 85
DIVIDEND (yield)29 · sector 53

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.52 ¥7.59 +38% vs PNFP
China Merchants Bank Co 600036 ¥42.54 ¥52.73 +24% vs PNFP
BNP Paribas SA BNP €91.94 €106.01 +15% vs PNFP
Intesa Sanpaolo S.p.A ISP €6.27 €4.59 −27% vs PNFP
UniCredit S.p.A UCG €77.18 €50.44 −35% vs PNFP
Oversea-Chinese Banking Corporation O39 27.93 SGD 18.20 SGD −35% vs PNFP
Mizuho Financial Group MFG $9.39 $5.90 −37% vs PNFP
DBS Group D05 71.20 SGD 40.39 SGD −43% vs PNFP
HDFC Bank Limited HDFCBANK ₹760.00 ₹406.39 −47% vs PNFP
ICICI Bank Limited ICICIBANK ₹1,500 ₹615.63 −59% vs PNFP

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Pinnacle Financial Partners, Inc.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Pinnacle Financial Partners, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/PNFP

Frequently asked questions

Is Pinnacle Financial Partners, Inc. (PNFP) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $36.63 versus a price of $101.49, about 64% lower (overvalued).
What is the fair value of PNFP?
Our model-based fair value for Pinnacle Financial Partners, Inc. is $36.63 (as of Nov 5, 2026), built from audited fundamentals. The current price: $101.49.
What is the quality score of PNFP?
Pinnacle Financial Partners, Inc. has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pinnacle Financial Partners, Inc. (PNFP)?
Our model-based price target is the fair value of $36.63 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $32.86, optimistic scenario $44.57. It is a calculation from audited fundamentals, not an analyst target.
What is the Pinnacle Financial Partners, Inc. stock forecast for 2026?
Our models put fair value at $36.63, about 64% lower versus a price of $101.49 (overvalued). Cautious scenario $32.86, optimistic scenario $44.57. The calculation is refreshed regularly with new filings.
What is the revenue of Pinnacle Financial Partners, Inc. (PNFP)?
Pinnacle Financial Partners, Inc. reported trailing-twelve-month revenue of about $3.3B (latest available figure, as of Nov 5, 2026).
Does Pinnacle Financial Partners, Inc. pay a dividend?
Pinnacle Financial Partners, Inc. currently shows a dividend yield of 1.46% relative to its recent price (as of Nov 5, 2026).
What growth is priced into Pinnacle Financial Partners, Inc. (PNFP)?
For today's price to be fair in a discounted-cash-flow model, Pinnacle Financial Partners, Inc. would have to grow free cash flow by -7.7 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +19.5 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of PNFP use?
Our models discount Pinnacle Financial Partners, Inc. at 9.3 %: a base by market capitalisation (large), damped by beta 1.03, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Pinnacle Financial Partners, Inc. that is -7.7 % per year a year over ten years, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Pinnacle Financial Partners, Inc. (PNFP) delivered so far?
Over the past 5 years revenue at Pinnacle Financial Partners, Inc. grew +19.5 % a year. The price currently implies -7.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Pinnacle Financial Partners, Inc. (PNFP) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Pinnacle Financial Partners, Inc. (-7.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Pinnacle Financial Partners, Inc. (PNFP)?
The free-cash-flow yield on the price is 4.33 %: that much free cash flow Pinnacle Financial Partners, Inc. produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Pinnacle Financial Partners, Inc. (PNFP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pinnacle Financial Partners, Inc. it is $36.63 per share (as of Nov 5, 2026), against a price of $101.49. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Pinnacle Financial Partners, Inc. stock overvalued or undervalued in 2026?
As of Nov 5, 2026, PNFP trades above its calculated fair value: price $101.49, fair value $36.63, a gap of about −64% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PNFP?
No. The price is what the market pays today ($101.49); the fair value is what the company's own numbers justify ($36.63). For Pinnacle Financial Partners, Inc. the two are $64.86 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pinnacle Financial Partners, Inc. worth?
The market values Pinnacle Financial Partners, Inc. at about $15.4B (market capitalisation, as of Nov 5, 2026). Per share that is $101.49; our models calculate a fair value of $36.63 per share.
What do the bullish and bearish scenarios say about PNFP?
Our models span a range for Pinnacle Financial Partners, Inc.: cautious scenario $32.86, base $36.63, optimistic $44.57 per share (as of Nov 5, 2026, price $101.49). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PNFP?
Pinnacle Financial Partners, Inc. trades at a price-to-earnings ratio of 13.6 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $36.63 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2023, FY2025 ex one-offs: 13.0. Other multiples: PEG 1.4, P/B 2.2, P/S 4.7, EV/EBITDA 16.7.
What is the PEG ratio of PNFP?
The PEG ratio of Pinnacle Financial Partners, Inc. is 1.41 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Pinnacle Financial Partners, Inc. (PNFP)?
Balance-sheet figures for Pinnacle Financial Partners, Inc. (as of Nov 5, 2026): return on equity 7.7%, debt of 0.31 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is PNFP from its 52-week high?
Pinnacle Financial Partners, Inc. trades at $101.49, about 7% below its 52-week high of $109.03 and 24% above the low of $81.69 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $36.63 is for.
Which stocks are comparable to Pinnacle Financial Partners, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pinnacle Financial Partners, Inc. stock attractive at the current price?
The data as of Nov 5, 2026: price $101.49, calculated fair value $36.63 (−64%), Quality Score 46/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PNFP calculated?
We run Pinnacle Financial Partners, Inc. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $36.63, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Pinnacle Financial Partners, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pinnacle Financial Partners, Inc. (PNFP)?
The closing price on Nov 5, 2026 was $101.49. Our model-based fair value is $36.63, about 64% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pinnacle Financial Partners, Inc. right now?
The price sits above even our optimistic bull case ($44.57). The favourable scenario is already priced in. Weak quality (46/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Pinnacle Financial Partners, Inc. (PNFP) come from?
Earnings per share at Pinnacle Financial Partners, Inc. grew +12.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +17.3 %, EBIT margin −6.2 %, tax rate +2.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Pinnacle Financial Partners, Inc.

How large is the market capitalisation of Pinnacle Financial Partners, Inc. (PNFP)?
The market capitalisation of Pinnacle Financial Partners, Inc. is $15.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pinnacle Financial Partners, Inc. (PNFP)?
The price-to-sales ratio of Pinnacle Financial Partners, Inc. is 4.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pinnacle Financial Partners, Inc. (PNFP)?
Earnings per share at Pinnacle Financial Partners, Inc. are $7.47 (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Pinnacle Financial Partners, Inc. (PNFP)?
The dividend yield of Pinnacle Financial Partners, Inc. is 1.5% (payout 19.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Pinnacle Financial Partners, Inc. (PNFP)?
The net margin of Pinnacle Financial Partners, Inc. is 24.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pinnacle Financial Partners, Inc. (PNFP)?
The return on equity (ROE) of Pinnacle Financial Partners, Inc. is 7.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pinnacle Financial Partners, Inc. (PNFP)?
On an EBIT basis the return on assets of Pinnacle Financial Partners, Inc. is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pinnacle Financial Partners, Inc. (PNFP)?
The operating margin of Pinnacle Financial Partners, Inc. is 47.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pinnacle Financial Partners, Inc. (PNFP)?
Revenue at Pinnacle Financial Partners, Inc. is growing +137% versus a year earlier (3y avg +23.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pinnacle Financial Partners, Inc. (PNFP)?
Earnings per share at Pinnacle Financial Partners, Inc. are growing +3.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Pinnacle Financial Partners, Inc. (PNFP) hold?
Pinnacle Financial Partners, Inc. holds more cash than debt, $1.0B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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