Pinnacle Financial Partners Inc.

PNFP | NYSE

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$101.66

-$0.05 (-0.05%)

At close: Oct 30, 2026, 4:00 PM ET

$101.59

-$0.07 (-0.07%)

After-hours: Oct 30, 2026, 5:05 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $15.36B

Enterprise Value $-1.86B

Beta 1.03

Average Volume 1.13M

Shares Outstanding (Diluted) 151.72M

Shares Change YoY 96.25%

Institutional Ownership N/A

Exchange NYSE

ISIN US72348N1090

Price Performance

Price Change 1M 8.6%

Price Change 3M -3.4%

Price Change 6M 3.1%

Price Change YTD 6.5%

Price Change 1Y 19.3%

Price Change 3Y 63.0%

Price Change 5Y 5.3%

1M CAGR (ann.) 5.1%

1Y CAGR (ann.) 22.6%

5Y CAGR (ann.) 1.9%

All-Time CAGR 6.6%

Valuation

PE Ratio 12.19

Forward PE 16.79

PEG Ratio 2.04

Forward PEG 0.55

PS Ratio 2.43

Forward PS 2.80

PB Ratio 1.05

P/FCF Ratio 10.17

P/Adj. FCF Ratio 11.15

P/OCF Ratio 13.57

EV/Sales -0.29

EV/EBIT -1.44

EV/EBITDA -1.26

EV/FCF -1.23

Earnings Yield 8.2%

FCF Yield 9.8%

Adj. FCF Yield 9.0%

Financial Health

Net Cash $17.22B

Total Debt $10.57B

Cash & Short-Term Investments $27.79B

Total Assets $130.69B

Current Ratio 0.27

Quick Ratio 0.27

Debt / Equity Ratio 0.72

Debt / EBITDA 7.14

Debt / FCF 7.00

OCF / Debt 0.15

Interest Coverage 0.60

Altman Z-Score -0.48

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 63.6%

Operating Profit Margin 20.4%

EBITDA Margin 23.4%

Net Profit Margin 16.2%

FCF Margin 23.9%

Adj. FCF Margin 21.8%

SBC / Revenue 1.9%

SBC Impact (per share) -8.8%

Returns

Return on Assets 0.8%

Return on Equity 8.0%

Return on Invested Capital 3.7%

Return on Capital Employed 4.8%

Return on Tangible Assets 0.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 39.8%

Revenue CAGR 5Y 39.3%

Revenue CAGR 10Y 31.4%

EPS CAGR 3Y 2.5%

EPS CAGR 5Y 5.2%

EPS CAGR 10Y 11.7%

FCF CAGR 3Y 38.7%

FCF CAGR 5Y 24.8%

FCF CAGR 10Y 30.8%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 17

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Jan 20, 2027

EPS Estimate (next Q) $2.70

EPS Growth Est (next Q) 20.5%

Revenue Est (next Q) $1.33B

Revenue Growth Est (next Q) 57.0%

Fair Value Estimates

Graham Number $134.69

Graham Upside 32.5%

Lynch Fair Value $43.45

Lynch Upside -57.3%

Price Target $120.57

Price Target Upside 18.6%

Cash Flow

Operating Cash Flow $1.53B

Free Cash Flow $1.51B

Adj. Free Cash Flow $1.38B

FCF Per Share $7.06

OCF Per Share $7.49

OCF/S Ratio 17.9%

Income Statement

Revenue $6.32B

Gross Profit $4.02B

Operating Income $1.29B

EBITDA $1.48B

Net Income $1.03B

EPS (Diluted) $8.34

Revenue / Employee $749.7K

Profit / Employee $121.76K

Employees 8,433

Dividends

Annual Dividend $1.74

Dividend Yield 1.71%

Payout Ratio 20.9%

FCF Payout Ratio 14.9%

Adj. FCF Payout Ratio 16.3%

Dividend Growth (YoY) 85.1%

Pay Frequency Quarterly

Ex-Dividend Date Nov 6, 2026