Pinnacle Financial Financials

PNFP Stock  USD 126.18  3.72  3.04%   
Based on the analysis of Pinnacle Financial's profitability, liquidity, and operating efficiency, Pinnacle Financial Partners is performing exceptionally good at this time. It has a great probability to report excellent financial results in December. At this time, Pinnacle Financial's Cash And Short Term Investments are relatively stable compared to the past year. As of 11/25/2024, Common Stock Total Equity is likely to grow to about 91.9 M, while Common Stock Shares Outstanding is likely to drop slightly above 41.2 M. Key indicators impacting Pinnacle Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.590.4247
Significantly Up
Pretty Stable
Current Ratio266184
Way Up
Pretty Stable
The essential information of the day-to-day investment outlook for Pinnacle Financial includes many different criteria found on its balance sheet. An individual investor should monitor Pinnacle Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Pinnacle Financial.

Net Income

590.26 Million

  
Understanding current and past Pinnacle Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Pinnacle Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Pinnacle Financial's assets may result in an increase in income on the income statement.

Pinnacle Financial Stock Summary

Pinnacle Financial competes with Wintrust Financial, Renasant, Texas Capital, and Home BancShares. Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee. Pinnacle Finl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 3184 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS72346Q1040
CUSIP72346Q104
LocationTennessee; U.S.A
Business Address150 Third Avenue
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.pnfp.com
Phone615 744 3700
CurrencyUSD - US Dollar

Pinnacle Financial Key Financial Ratios

Pinnacle Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets27.8B34.9B38.5B42.0B48.0B50.4B
Net Debt2.4B(2.0B)(2.7B)(257.4M)419.6M440.6M
Retained Earnings1.2B1.4B1.9B2.3B2.8B2.9B
Cash368.7M3.7B4.0B1.1B2.1B2.3B
Other Assets17.7B20.4B20.9B35.8B(6.8B)(6.4B)
Total Liab23.4B30.0B33.2B36.5B41.9B44.0B
Total Current Assets4.0B7.4B9.0B4.0B4.8B2.7B
Common Stock76.6M75.9M76.1M76.5M76.8M42.2M
Other Liab114.3M411.1M377.3M154.5M177.6M186.5M
Accounts Payable42.2M24.9M12.5M19.5M67.0M35.1M
Other Current Assets640.7M4.1B5.2B(877.3M)3.0B2.9B
Long Term Debt749.1M670.6M1.3B888.5M2.6B2.7B
Other Current Liab(42.2M)292.4M142.6M175.4M(67.0M)(70.3M)
Inventory(640.7M)(4.1B)(5.2B)8.0M98.0M102.9M
Short Term Debt748.9M342.2M167.6M214.4M246.8M370.1M
Net Receivables84.5M104.1M98.8M161.2M217.5M228.4M
Good Will1.8B1.8B1.8B1.8B1.7B1.6B
Intangible Assets51.1M42.3M33.8M34.6M27.5M26.1M
Net Tangible Assets2.5B2.8B3.2B3.4B3.9B4.1B
Long Term Debt Total485.1M749.1M670.6M423.2M486.6M368.5M
Capital Surpluse3.1B3.1B3.0B3.0B3.5B1.9B

Pinnacle Financial Key Income Statement Accounts

The reason investors look at the income statement is to determine what Pinnacle Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense301.8M199.3M98.8M244.6M1.1B1.1B
Total Revenue939.9M1.1B1.2B1.4B1.6B1.7B
Gross Profit939.9M1.1B1.2B1.4B1.6B1.7B
Operating Income497.5M371.4M651.9M942.1M895.9M940.7M
Ebit497.5M371.4M672.8M723.3M714.0M749.7M
Ebitda507.4M416.6M705.2M759.8M792.7M832.3M
Net Income400.9M312.3M527.3M560.7M562.2M590.3M
Income Tax Expense96.7M59.0M124.6M136.8M151.9M159.4M
Income Before Tax497.5M371.4M651.9M697.5M714.0M749.7M
Tax Provision96.7M59.0M124.6M136.8M155.1M109.8M
Net Interest Income766.1M821.8M932.4M1.1B1.3B825.6M
Interest Income1.1B1.0B1.0B1.4B2.2B1.1B

Pinnacle Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(195.0M)3.4B140.1M(2.9B)1.1B1.1B
Free Cash Flow392.1M388.1M634.3M540.6M199.2M162.4M
Depreciation8.3M45.2M53.3M62.3M40.6M42.6M
Other Non Cash Items(32.6M)185.9M50.9M32.1M59.3M62.3M
Capital Expenditures42.2M39.8M23.2M64.3M322.3M338.4M
Net Income400.9M312.3M527.3M560.7M562.2M590.3M
End Period Cash Flow526.7M4.0B4.1B1.2B2.2B2.3B
Dividends Paid49.8M57.0M70.7M83.4M83.9M88.1M
Investments(2.2B)(3.4B)(2.7B)(6.7B)(4.9B)(4.7B)
Net Borrowings772.2M(1.1B)(425.9M)(412.5M)(371.2M)(352.7M)
Change To Netincome(28.1M)108.2M63.7M91.4M105.1M110.4M

Pinnacle Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Pinnacle Financial's current stock value. Our valuation model uses many indicators to compare Pinnacle Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Pinnacle Financial competition to find correlations between indicators driving Pinnacle Financial's intrinsic value. More Info.
Pinnacle Financial Partners is regarded fourth in return on equity category among its peers. It also is regarded fourth in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Pinnacle Financial Partners is roughly  8.09 . At this time, Pinnacle Financial's Return On Equity is relatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Pinnacle Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Pinnacle Financial Systematic Risk

Pinnacle Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Pinnacle Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Pinnacle Financial correlated with the market. If Beta is less than 0 Pinnacle Financial generally moves in the opposite direction as compared to the market. If Pinnacle Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Pinnacle Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Pinnacle Financial is generally in the same direction as the market. If Beta > 1 Pinnacle Financial moves generally in the same direction as, but more than the movement of the benchmark.

Pinnacle Financial Thematic Clasifications

Pinnacle Financial Partners is part of several thematic ideas from Corona Opportunity to Millennials Best. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Pinnacle Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Pinnacle Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Pinnacle Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

1.55

At this time, Pinnacle Financial's Price Earnings To Growth Ratio is relatively stable compared to the past year.

Pinnacle Financial November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Pinnacle Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Pinnacle Financial Partners. We use our internally-developed statistical techniques to arrive at the intrinsic value of Pinnacle Financial Partners based on widely used predictive technical indicators. In general, we focus on analyzing Pinnacle Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Pinnacle Financial's daily price indicators and compare them against related drivers.

Additional Tools for Pinnacle Stock Analysis

When running Pinnacle Financial's price analysis, check to measure Pinnacle Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pinnacle Financial is operating at the current time. Most of Pinnacle Financial's value examination focuses on studying past and present price action to predict the probability of Pinnacle Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pinnacle Financial's price. Additionally, you may evaluate how the addition of Pinnacle Financial to your portfolios can decrease your overall portfolio volatility.