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Pinnacle Financial Partners, Inc. (PNFP) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Pinnacle Financial Partners, Inc.

PNFPMarket cap $14BPrice $93.1

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs commercial banks across Tennessee and the Southeast, serving businesses and individuals with loans, deposits, and wealth management. Built almost entirely through poaching top bankers from bigger rivals, it's grown into one of the region's largest banks without a single branch acquisition.

In Bastion Portfolios?

52W Return+8%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+45%–

Rev CAGR (5y)+26%10

Earnings Forecast

EPS Growth Y+1+26%8

EPS Growth Y+2+11%7

EPS Growth Y+3+12%7

Quality

Margins

EBIT Margin0%4

Net Income Margin25%8

Free Cash Flow Margin44%10

Debt

Net Debt/EBITDAna–

Efficiency

ROE8%4

ROA1%3

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)99

P/E Ratio (Forward 3y)79

P/BV1.09

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%6

Dividend Yield2.1%6

Momentum

Short term

1 month return-8%4

3 month return-4%5

YTD return-1%5

Mid term

Price vs 52wHigh85%7

1 year return+3%5

Long term

3 year return+45%5

5 year return+3%4

Risk Shield

Price Risk

Beta1.23

Volatility28%7

Free Cash Flow

Free Cash Flow Margin44%10

Free Cash Flow Yield0.0%6

Quality

ROCE8%3

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

PNFPPinnacle Financial Partners

Revenue FY25$1.9B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+45%–

Revenue, next 5Y, CAGR+26%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+26%8

EPS growth, FY27E+11%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 45%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 10%/yr over the last 3 years and is set to grow 45%/yr from here.

The runway holds up: revenue is set to grow 26%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 12%/yr vs revenue 45%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE40 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%4

3-month return-4%5

YTD return-1%5

MID & LONG-TERM▾SCORE

% of 52-week high85%7

1-year return+3%5

3-year return+45%5

5-year return+3%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+45% over three years and +2.6% over five), roughly average for the market.

It's up 3% over the past year, but 15% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-8%), over three months (-4%) and so far this year (-1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Pinnacle Financial Partners, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

PNFPPinnacle Financial Partners

Revenue FY25$1.9B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+45%–

Revenue, next 5Y, CAGR+26%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+26%8

EPS growth, FY27E+11%7

EPS growth, FY28E+12%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 45%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 10%/yr over the last 3 years and is set to grow 45%/yr from here.

The runway holds up: revenue is set to grow 26%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 12%/yr vs revenue 45%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE40 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-8%4

3-month return-4%5

YTD return-1%5

MID & LONG-TERM▾SCORE

% of 52-week high85%7

1-year return+3%5

3-year return+45%5

5-year return+3%4

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+45% over three years and +2.6% over five), roughly average for the market.

It's up 3% over the past year, but 15% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-8%), over three months (-4%) and so far this year (-1%).

WEAKNESSES

None flagged.

BOTTOM LINE

Mixed Momentum

Horizons disagree or sit near the middle of the pack. Momentum investors may want a clearer trend before sizing up.

04Value

Are you paying a fair price for it?

Stop guessing on Pinnacle Financial Partners, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community