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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.46
PNFP's Cash to Debt is ranked lower than
68% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. PNFP: 0.46 )
Ranked among companies with meaningful Cash to Debt only.
PNFP' s 10-Year Cash to Debt Range
Min: 0.21  Med: 0.52 Max: No Debt
Current: 0.46
Equity to Asset 0.13
PNFP's Equity to Asset is ranked higher than
76% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PNFP: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
PNFP' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.13 Max: 0.22
Current: 0.13
0.06
0.22
Interest Coverage 8.01
PNFP's Interest Coverage is ranked higher than
89% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. PNFP: 8.01 )
Ranked among companies with meaningful Interest Coverage only.
PNFP' s 10-Year Interest Coverage Range
Min: 0.23  Med: 0.74 Max: 8.01
Current: 8.01
0.23
8.01
F-Score: 5
WACC vs ROIC
10.38%
8.32%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 45.40
PNFP's Operating margin (%) is ranked higher than
80% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. PNFP: 45.40 )
Ranked among companies with meaningful Operating margin (%) only.
PNFP' s 10-Year Operating margin (%) Range
Min: -454.64  Med: 29.03 Max: 43.02
Current: 45.4
-454.64
43.02
Net-margin (%) 30.31
PNFP's Net-margin (%) is ranked higher than
73% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. PNFP: 30.31 )
Ranked among companies with meaningful Net-margin (%) only.
PNFP' s 10-Year Net-margin (%) Range
Min: -454.64  Med: 20.73 Max: 28.69
Current: 30.31
-454.64
28.69
ROE (%) 10.14
PNFP's ROE (%) is ranked higher than
62% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. PNFP: 10.14 )
Ranked among companies with meaningful ROE (%) only.
PNFP' s 10-Year ROE (%) Range
Min: -6.68  Med: 5.99 Max: 13.28
Current: 10.14
-6.68
13.28
ROA (%) 1.33
PNFP's ROA (%) is ranked higher than
75% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PNFP: 1.33 )
Ranked among companies with meaningful ROA (%) only.
PNFP' s 10-Year ROA (%) Range
Min: -1.06  Med: 0.82 Max: 1.22
Current: 1.33
-1.06
1.22
Revenue Growth (3Y)(%) 7.90
PNFP's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PNFP: 7.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PNFP' s 10-Year Revenue Growth (3Y)(%) Range
Min: -3.5  Med: 13.65 Max: 88
Current: 7.9
-3.5
88
EBITDA Growth (3Y)(%) 41.30
PNFP's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PNFP: 41.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PNFP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.9  Med: 30.15 Max: 64.9
Current: 41.3
-17.9
64.9
EPS Growth (3Y)(%) 22.60
PNFP's EPS Growth (3Y)(%) is ranked higher than
75% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. PNFP: 22.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PNFP' s 10-Year EPS Growth (3Y)(%) Range
Min: -5  Med: 26.30 Max: 104.1
Current: 22.6
-5
104.1
» PNFP's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

PNFP Guru Trades in Q3 2014

Paul Tudor Jones 6,514 sh (New)
Jim Simons 499,184 sh (-7.30%)
» More
Q4 2014

PNFP Guru Trades in Q4 2014

Paul Tudor Jones Sold Out
Jim Simons 495,379 sh (-0.76%)
» More
Q1 2015

PNFP Guru Trades in Q1 2015

Jim Simons 534,700 sh (+7.94%)
» More
Q2 2015

PNFP Guru Trades in Q2 2015

Jim Simons 545,300 sh (+1.98%)
» More
» Details

Insider Trades

Latest Guru Trades with PNFP

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 19.87
PNFP's P/E(ttm) is ranked lower than
80% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. PNFP: 19.87 )
Ranked among companies with meaningful P/E(ttm) only.
PNFP' s 10-Year P/E(ttm) Range
Min: 10.65  Med: 20.79 Max: 56.28
Current: 19.87
10.65
56.28
Forward P/E 15.11
PNFP's Forward P/E is ranked lower than
85% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. PNFP: 15.11 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.40
PNFP's PE(NRI) is ranked lower than
80% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PNFP: 20.40 )
Ranked among companies with meaningful PE(NRI) only.
PNFP' s 10-Year PE(NRI) Range
Min: 10.63  Med: 20.76 Max: 55.9
Current: 20.4
10.63
55.9
P/B 1.96
PNFP's P/B is ranked lower than
91% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. PNFP: 1.96 )
Ranked among companies with meaningful P/B only.
PNFP' s 10-Year P/B Range
Min: 0.49  Med: 1.33 Max: 3.7
Current: 1.96
0.49
3.7
P/S 6.07
PNFP's P/S is ranked lower than
89% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. PNFP: 6.07 )
Ranked among companies with meaningful P/S only.
PNFP' s 10-Year P/S Range
Min: 1.79  Med: 4.58 Max: 9.26
Current: 6.07
1.79
9.26
PFCF 18.02
PNFP's PFCF is ranked lower than
78% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. PNFP: 18.02 )
Ranked among companies with meaningful PFCF only.
PNFP' s 10-Year PFCF Range
Min: 2.85  Med: 13.34 Max: 426
Current: 18.02
2.85
426
POCF 16.38
PNFP's POCF is ranked lower than
80% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. PNFP: 16.38 )
Ranked among companies with meaningful POCF only.
PNFP' s 10-Year POCF Range
Min: 2.56  Med: 13.31 Max: 147.29
Current: 16.38
2.56
147.29
EV-to-EBIT 16.11
PNFP's EV-to-EBIT is ranked lower than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. PNFP: 16.11 )
Ranked among companies with meaningful EV-to-EBIT only.
PNFP' s 10-Year EV-to-EBIT Range
Min: -61.2  Med: 17.00 Max: 41.9
Current: 16.11
-61.2
41.9
Shiller P/E 46.13
PNFP's Shiller P/E is ranked lower than
94% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. PNFP: 46.13 )
Ranked among companies with meaningful Shiller P/E only.
PNFP' s 10-Year Shiller P/E Range
Min: 14.19  Med: 40.95 Max: 88.88
Current: 46.13
14.19
88.88
Days Sales Outstanding 23.26
PNFP's Days Sales Outstanding is ranked higher than
74% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. PNFP: 23.26 )
Ranked among companies with meaningful Days Sales Outstanding only.
PNFP' s 10-Year Days Sales Outstanding Range
Min: 25.22  Med: 38.17 Max: 68.3
Current: 23.26
25.22
68.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.95
PNFP's Dividend Yield is ranked lower than
90% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. PNFP: 0.95 )
Ranked among companies with meaningful Dividend Yield only.
PNFP' s 10-Year Dividend Yield Range
Min: 0.22  Med: 0.75 Max: 0.98
Current: 0.95
0.22
0.98
Dividend Payout 0.17
PNFP's Dividend Payout is ranked higher than
81% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PNFP: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
PNFP' s 10-Year Dividend Payout Range
Min: 0.15  Med: 0.17 Max: 0.19
Current: 0.17
0.15
0.19
Yield on cost (5-Year) 0.95
PNFP's Yield on cost (5-Year) is ranked lower than
88% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. PNFP: 0.95 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PNFP' s 10-Year Yield on cost (5-Year) Range
Min: 0.22  Med: 0.75 Max: 0.98
Current: 0.95
0.22
0.98
Share Buyback Rate -1.00
PNFP's Share Buyback Rate is ranked higher than
58% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. PNFP: -1.00 )
Ranked among companies with meaningful Share Buyback Rate only.
PNFP' s 10-Year Share Buyback Rate Range
Min: -1  Med: -23.60 Max: -69.5
Current: -1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.77
PNFP's Price/Tangible Book is ranked lower than
95% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PNFP: 2.77 )
Ranked among companies with meaningful Price/Tangible Book only.
PNFP' s 10-Year Price/Tangible Book Range
Min: 0.85  Med: 2.13 Max: 4.59
Current: 2.77
0.85
4.59
Price/Projected FCF 0.87
PNFP's Price/Projected FCF is ranked lower than
72% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. PNFP: 0.87 )
Ranked among companies with meaningful Price/Projected FCF only.
PNFP' s 10-Year Price/Projected FCF Range
Min: 0.34  Med: 0.77 Max: 3.1
Current: 0.87
0.34
3.1
Price/Median PS Value 1.32
PNFP's Price/Median PS Value is ranked lower than
82% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PNFP: 1.32 )
Ranked among companies with meaningful Price/Median PS Value only.
PNFP' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.06 Max: 1.74
Current: 1.32
0.43
1.74
Price/Peter Lynch Fair Value 2.47
PNFP's Price/Peter Lynch Fair Value is ranked lower than
615% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. PNFP: 2.47 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PNFP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.63  Med: 0.93 Max: 1.27
Current: 2.47
0.63
1.27
Price/Graham Number 1.58
PNFP's Price/Graham Number is ranked lower than
93% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. PNFP: 1.58 )
Ranked among companies with meaningful Price/Graham Number only.
PNFP' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 1.72 Max: 2.86
Current: 1.58
0.58
2.86
Earnings Yield (Greenblatt) (%) 6.22
PNFP's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PNFP: 6.22 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PNFP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 2.4  Med: 5.10 Max: 9.6
Current: 6.22
2.4
9.6
Forward Rate of Return (Yacktman) (%) 19.39
PNFP's Forward Rate of Return (Yacktman) (%) is ranked higher than
61% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. PNFP: 19.39 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PNFP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -0.1  Med: 12.40 Max: 55.5
Current: 19.39
-0.1
55.5

Analyst Estimate

Dec15 Dec16
EPS($) 2.57 2.99
EPS without NRI($) 2.57 2.99

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:PFZ.Germany,
Pinnacle Financial Partners Inc was incorporated on February 28, 2000. It is a bank holding company of Pinnacle Bank. It operates as a community bank primarily in the urban markets of Nashville and Knoxville, Tennessee. As an urban community bank, it provides the personalized service most often associated with small community banks, while seeking to offer the sophisticated products and services, such as investments and treasury management, more typically offered by large regional and national banks. Its products and services include Lending Services, Deposit Services, Investment, Trust and Insurance Services, and Other Banking Services. Its lending services include commercial, real estate and consumer loans to individuals and small-to medium-sized businesses and professional entities. Its Deposit services seek to establish a broad base of core deposits, including savings, checking, interest-bearing checking, money market and certificate of deposit accounts. For Investment services, it contracts with Raymond James Financial Services, Inc. (RJFS), a registered broker-dealer and investment adviser, to offer and sell various securities and other financial products to the public. It also maintains a trust department which provides fiduciary and investment management services for individual and commercial clients. Other Banking services include convenience-centered products and services, including 24-hour telephone and internet banking, mobile banking, debit and credit cards, direct deposit, remote deposit and cash management services for small- to medium-sized businesses. The Company is subject to extensive state and federal banking laws and regulations that impose restrictions on and provide for general regulatory oversight.
» More Articles for PNFP

Headlines

Articles On GuruFocus.com
Pinnacle Financial Partners Inc. Reports Operating Results (10-K) Feb 23 2011 
Pinnacle Financial Partners Inc. (PNFP) CFO Harold R Carpenter buys 1,500 Shares Aug 13 2010 
Pinnacle Financial Partners Inc. Reports Operating Results (10-Q) Jul 21 2010 
Pinnacle Financial Partners Inc. Reports Operating Results (10-Q) May 10 2010 
Pinnacle Financial Partners Inc. Reports Operating Results (10-Q) Oct 28 2009 
Pinnacle Financial Partners Inc. (PNFP) Chairman Robert A Jr Mccabe buys 3,846 Shares Jun 17 2009 
Pinnacle Financial Partners Inc. (PNFP) CFO Harold R Carpenter buys 2,308 Shares Jun 17 2009 

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