Pinnacle Financial Valuation
| PNFP Stock | USD 99.00 0.87 0.89% |
At this time, the company appears to be undervalued. Pinnacle Financial holds a recent Real Value of $110.63 per share. The prevailing price of the company is $99.0. Our model determines the value of Pinnacle Financial from analyzing the company fundamentals such as Operating Margin of 0.44 %, return on equity of 0.0953, and Shares Outstanding of 150.27 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Pinnacle Financial's valuation include:
Undervalued
Today
Please note that Pinnacle Financial's price fluctuation is very steady at this time. Calculation of the real value of Pinnacle Financial is based on 3 months time horizon. Increasing Pinnacle Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Pinnacle Financial's intrinsic value may or may not be the same as its current market price of 99.00, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 99.0 | Real 110.63 | Target 116.17 | Hype 97.84 | Naive 97.39 |
The intrinsic value of Pinnacle Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Pinnacle Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Pinnacle Financial Partners helps investors to forecast how Pinnacle stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Pinnacle Financial more accurately as focusing exclusively on Pinnacle Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Pinnacle Financial's intrinsic value based on its ongoing forecasts of Pinnacle Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Pinnacle Financial's closest peers.
Pinnacle Financial Cash |
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Pinnacle Financial Total Value Analysis
Pinnacle Financial Partners is at this time forecasted to have valuation of 6.72 B with market capitalization of 14.75 B, debt of 2.52 B, and cash on hands of 2.31 B. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Pinnacle Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
6.72 B | 14.75 B | 2.52 B | 2.31 B |
Pinnacle Financial Investor Information
About 45.0% of the company shares are owned by institutional investors. The book value of Pinnacle Financial was at this time reported as 88.65. The company has Price/Earnings To Growth (PEG) ratio of 0.6. Pinnacle Financial recorded earning per share (EPS) of 7.84. The entity last dividend was issued on the 6th of February 2026. The firm had 2:1 split on the 11th of May 2004. Pinnacle Financial Partners is performing exceptionally good at this time. It has a great probability to report excellent financial results in March.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.22 | 0.2669 |
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Pinnacle Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Pinnacle Financial has an asset utilization ratio of 5.06 percent. This connotes that the Company is making $0.0506 for each dollar of assets. An increasing asset utilization means that Pinnacle Financial Partners is more efficient with each dollar of assets it utilizes for everyday operations.Pinnacle Financial Profitability Analysis
Taking into consideration Pinnacle Financial's profitability measurements, Pinnacle Financial's profitability may be sliding down. It has an above-average probability of reporting lower numbers next quarter. Profitability indicators assess Pinnacle Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 2000-03-31 | Previous Quarter 173.4 M | Current Value 169.8 M | Quarterly Volatility 56.7 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.54 | 0.6591 |
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| Operating Profit Margin | 0.22 | 0.2669 |
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| Pretax Profit Margin | 0.22 | 0.2669 |
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For Pinnacle Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Pinnacle Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Pinnacle Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Pinnacle Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Pinnacle Financial over time as well as its relative position and ranking within its peers.
Pinnacle Financial Earnings per Share Projection vs Actual
The next projected EPS of Pinnacle Financial is estimated to be 2.29 with future projections ranging from a low of 2.0091 to a high of 2.5766. Pinnacle Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 7.84. Please be aware that the consensus of earnings estimates for Pinnacle Financial Partners is based on EPS before non-recurring items and includes expenses related to employee stock options.Pinnacle Financial Earnings Estimation Breakdown
The calculation of Pinnacle Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Pinnacle Financial is estimated to be 2.29 with the future projection ranging from a low of 2.0091 to a high of 2.5766. Please be aware that this consensus of annual earnings estimates for Pinnacle Financial Partners is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
2.01 Lowest | Expected EPS | 2.58 Highest |
Pinnacle Financial Earnings Projection Consensus
Suppose the current estimates of Pinnacle Financial's value are higher than the current market price of the Pinnacle Financial stock. In this case, investors may conclude that Pinnacle Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Pinnacle Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 18 | 95.16% | 2.24 | 2.29 | 7.84 |
Pinnacle Financial Ownership Allocation
Pinnacle Financial owns a total of 150.27 Million outstanding shares. 30% of Pinnacle Financial Partners outstanding shares are owned by third-party entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.Pinnacle Financial Profitability Analysis
The company reported the previous year's revenue of 2.92 B. Net Income was 475.06 M with profit before overhead, payroll, taxes, and interest of 1.95 B.Pinnacle Financial Past Distributions to stockholders
About Pinnacle Financial Valuation
The stock valuation mechanism determines Pinnacle Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Pinnacle Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Pinnacle Financial. We calculate exposure to Pinnacle Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Pinnacle Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.9 B | 2 B | |
| Pretax Profit Margin | 0.27 | 0.22 | |
| Operating Profit Margin | 0.27 | 0.22 | |
| Net Profit Margin | 0.22 | 0.23 | |
| Gross Profit Margin | 0.66 | 0.54 |
A single share of Pinnacle Financial represents a small ownership stake in the entity. As a stockholder of Pinnacle, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Pinnacle Financial Dividends Analysis For Valuation
As of 02/03/2026, Dividends Paid is likely to grow to about (72 M). In addition to that, Dividend Yield is likely to drop to 0.01. At this time, Pinnacle Financial's Retained Earnings are relatively stable compared to the past year. As of 02/03/2026, Retained Earnings Total Equity is likely to grow to about 2.3 B, while Earning Assets are likely to drop slightly above 3.1 B.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -75.8 M | -72 M | |
| Dividend Yield | 0.01 | 0.01 | |
| Dividend Payout Ratio | 0.12 | 0.08 | |
| Dividend Paid And Capex Coverage Ratio | 4.49 | 3.99 |
There are various types of dividends Pinnacle Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Pinnacle shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Pinnacle Financial Partners directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Pinnacle pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Pinnacle Financial by the value of the dividends paid out.
Pinnacle Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Pinnacle Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 77.7 M | |
| Quarterly Earnings Growth Y O Y | 0.12 | |
| Forward Price Earnings | 10.2249 |
Pinnacle Financial Current Valuation Indicators
Pinnacle Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Pinnacle Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Pinnacle Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Pinnacle Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Pinnacle Financial's worth.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.