Pinnacle Financial Partners, Inc. (PNFP) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Pinnacle Financial Partners, Inc. stock (PNFP) is currently trading at $84.86. Pinnacle Financial Partners, Inc. PE ratio is 10.73. Pinnacle Financial Partners, Inc. PS ratio (Price-to-Sales) is 6.49. Analyst consensus price target for PNFP is $115.58. WallStSmart rates PNFP as Moderate Buy.
- PNFP PE ratio analysis and historical PE chart
- PNFP PS ratio (Price-to-Sales) history and trend
- PNFP intrinsic value — DCF, Graham Number, EPV models
- PNFP stock price prediction 2025 2026 2027 2028 2029 2030
- PNFP fair value vs current price
- PNFP insider transactions and insider buying
- Is PNFP undervalued or overvalued?
- Pinnacle Financial Partners, Inc. financial analysis — revenue, earnings, cash flow
- PNFP Piotroski F-Score and Altman Z-Score
- PNFP analyst price target and Smart Rating
Pinnacle Financial Partners, Inc.
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PNFP Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Pinnacle Financial Partners, Inc. (PNFP)
PNFP trades at a significant discount to its Graham intrinsic value of $212.62, offering a 54% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Pinnacle Financial Partners, Inc. (PNFP) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, operating margin. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
Pinnacle Financial Partners, Inc. (PNFP) Key Strengths (5)
Keeps $44 of every $100 in revenue after operating costs
Keeps $33 of every $100 in revenue as net profit
Large-cap company with substantial market presence
Good growth relative to its price
Trading at 1.88x book value, attractively priced
Supporting Valuation Data
Pinnacle Financial Partners, Inc. (PNFP) Areas to Watch (5)
Low profitability relative to shareholder equity
Premium valuation at 6.5x annual revenue
Solid revenue growth at 14.00% per year
Solid earnings growth at 12.70%
Moderate institutional interest at 47.86%
Supporting Valuation Data
Pinnacle Financial Partners, Inc. (PNFP) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Market Cap. Valuation metrics including PEG Ratio (1.42), Price/Book (1.88) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 43.50%, Profit Margin at 33.00%.
The Bear Case
The primary concerns are Return on Equity, Price/Sales, Revenue Growth. Some valuation metrics including Price/Sales (6.49) suggest expensive pricing. Growth concerns include Revenue Growth at 14.00%, EPS Growth at 12.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.53%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.53% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Return on Equity, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PNFP Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PNFP's Price-to-Sales ratio of 6.49x trades at a deep discount to its historical average of 22.92x (4th percentile). The current valuation is 94% below its historical high of 104.06x set in Sep 2006, and 17% above its historical low of 5.57x in Aug 2010.
WallStSmart Analysis Synopsis
Data-driven financial summary for Pinnacle Financial Partners, Inc. (PNFP) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Pinnacle Financial Partners, Inc. is a mature, profitable business with steady cash generation. Revenue reached 1.9B with 14% growth year-over-year. Profit margins are strong at 33.0%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 33.0% and operating margin of 43.5% demonstrate strong pricing power and operational efficiency.
Generating 364M in free cash flow and 403M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Pinnacle Financial Partners, Inc..
Bottom Line
Pinnacle Financial Partners, Inc. is a well-established business delivering consistent profitability with 33.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Pinnacle Financial Partners, Inc.(PNFP)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Pinnacle Financial Partners, Inc., is the banking holding company for Pinnacle Bank offering various banking products and services in the United States. The company is headquartered in Nashville, Tennessee.