Pinnacle Financial Partners, Inc. (PNFP)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 1,000 | 1,117 | 1,305 | 1,383 | 1,521 | 1,675 | 3,081 | - |
| Operating profit | $m | 780 | 1,023 | ||||||
| Net profit | $m | 312 | 527 | 561 | 562 | 475 | 642 | 821 | 794 |
| EPS reported | $ | 8.09 | 8.13 | ||||||
| Operating cashflow per share | $ | 9.87 | 10.16 | ||||||
| Capex per share | $ | 1.22 | 0.17 | ||||||
| FCF per share | $ | 8.65 | 9.99 | ||||||
| Free cash flow | $m | 665 | 1,510 | ||||||
| Net debt | $m | -10,297 | -14,701 | ||||||
| Book value equity | $m | 7,044 | 14,828 | ||||||
| Book value per share | $ | 90.60 | 97.90 | ||||||
| Number of shares | m | 77.75 | 151.47 | ||||||
| DPS (TTM paid) | $ | 0.96 | 1.74 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.79 | 11.68 | ||||||
| P/B LTM | x | 1.04 | 0.49 | ||||||
| P/S LTM | x | 4.38 | 2.38 | ||||||
| P/FCF LTM | x | 11.03 | 4.86 | ||||||
| EV/EBITDA LTM | x | 7.52 | 6.77 | ||||||
| EV/Sales LTM | x | 2.15 | 4.03 | ||||||
| Earnings Yield LTM | % | +8.48% | +8.56% | ||||||
| FCF Yield | % | +9.06% | +20.57% | ||||||
| Quality | |||||||||
| ROE | % | +9.12% | +7.58% | ||||||
| ROIC | % | +6.71% | +0.64% | ||||||
| Operating margin | % | +26.69% | +20.87% | ||||||
| Gross margin | % | +65.91% | +67.52% | ||||||
| FCF/Sales | % | +22.76% | +30.80% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +35.74% | +36.41% | ||||||
| Sales Growth YoY | % | +10.11% | +102.50% | ||||||
| Net Income Growth YoY | % | +35.16% | +72.85% | ||||||
| FCF Growth | % | -17.60% | +87.02% | ||||||
| Operating Profit Growth | % | +34.18% | +76.04% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.22% | +1.61% | ||||||
| Dividend Growth | % | +9.09% | +97.73% | ||||||
| Payout Ratio | % | +14.29% | +28.74% | ||||||
| FCF/Debt | x | 0.26 | 0.14 | ||||||
| Net Debt/EBITDA | x | -1.25 | 3.71 | ||||||
| EBIT/Net interest | x | 0.63 | 0.56 | ||||||
| Net debt/market cap | % | +34.35% | +68.08% | ||||||
| Net debt/Equity | x | -1.46 | -0.99 | ||||||
| Gross debt/equity | x | 0.36 | 0.75 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pinnacle Financial Partners, Inc. functions as a bank holding company, overseeing Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States. The company facilitates various types of deposit accounts for its clients, including savings accounts, standard checking accounts (both interest-bearing and noninterest-bearing), money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering commercial loans for purposes like equipment financing and working capital, along with commercial real estate loans for investment properties and business ventures backed by real estate. For individual clients, Pinnacle Bank offers secured and unsecured installment loans, term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. Additionally, it issues credit cards for both consumers and businesses. Beyond traditional banking, Pinnacle Financial Partners provides a suite of securities and other financial offerings, diverse investment products, and comprehensive brokerage and investment advisory programs. It also specializes in fiduciary and investment management services, catering to personal trusts, endowments, foundations, individual retirement accounts (IRAs), pensions, and custody arrangements. Further expanding its services, the company operates an insurance agency, predominantly focusing on property and casualty coverage. It also offers expert advice on mergers and acquisitions, and provides specialized advisory services for private debt, equity, mezzanine financing, and other middle-market transactions. For day-to-day banking needs, Pinnacle offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit, remote and mobile deposit capture options, automated teller machines (ATMs), and various cash management services. Its diverse clientele includes individuals, small to medium-sized businesses, and professional organizations. As of December 31, 2020, the company maintained a network of 114 offices: 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was established in 2000 and its main corporate office is located in Nashville, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Pinnacle Financial Partners, Inc. (PNFP)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pinnacle Financial Partners, Inc. functions as a bank holding company, overseeing Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States. The company facilitates various types of deposit accounts for its clients, including savings accounts, standard checking accounts (both interest-bearing and noninterest-bearing), money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering commercial loans for purposes like equipment financing and working capital, along with commercial real estate loans for investment properties and business ventures backed by real estate. For individual clients, Pinnacle Bank offers secured and unsecured installment loans, term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. Additionally, it issues credit cards for both consumers and businesses. Beyond traditional banking, Pinnacle Financial Partners provides a suite of securities and other financial offerings, diverse investment products, and comprehensive brokerage and investment advisory programs. It also specializes in fiduciary and investment management services, catering to personal trusts, endowments, foundations, individual retirement accounts (IRAs), pensions, and custody arrangements. Further expanding its services, the company operates an insurance agency, predominantly focusing on property and casualty coverage. It also offers expert advice on mergers and acquisitions, and provides specialized advisory services for private debt, equity, mezzanine financing, and other middle-market transactions. For day-to-day banking needs, Pinnacle offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit, remote and mobile deposit capture options, automated teller machines (ATMs), and various cash management services. Its diverse clientele includes individuals, small to medium-sized businesses, and professional organizations. As of December 31, 2020, the company maintained a network of 114 offices: 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was established in 2000 and its main corporate office is located in Nashville, Tennessee.
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