Obermatt

Pinnacle Financial Partners

NYQ:PNFP · US72348N1090
BanksMedium

360

94
Profit price37
Cash yield77
Price/Sales64
EV / Gross Profit32
Price/Book67
Returns on capital22
Profit margins
Cash Conversion98
Accruals42
Owner Earnings Margin73
Sales growth92
Profit Growth98
Long-Term EPS Growth81
Owner Earnings Growth90
Reinvestment96
Price momentum26
Debt load56
Debt serviceability19
Liquidity49
Analyst ratings54
Opinion Changes78
Price Target Upside100
Market mood71
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Pinnacle Financial Partners clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeMedium
TypePublic Company
ExchangeNYSE
Founded2000
Employees2,575
Websitepnfp.com
ISINUS72348N1090
Last UpdateApr 2, 2026

Description

Pinnacle Financial Partners, Inc. operates as a financial holding company for Pinnacle Bank that provides a full range of banking, investment, trust, mortgage and insurance products and services designed for businesses and their owners and individual…

Analysis

Middle-of-the-road

Pinnacle Financial Partners, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.8×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 2% a year, against analyst forecasts of 26%. The price, in other words, assumes less than the experts do.

Growth is solid and accelerating; the safety picture is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
98
2023202420252026

All-time high

98

Jun 2026

All-time low

38

Jan 2025

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
64
11
18
8
Price/Earnings
57
13
35
5
Price/Book
67
13
38
12
Dividend Yield
77
12
18
23
Value (overall)
94
5
10
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →