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Also traded in: Germany

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 : 4/10

vs
industry
vs
history
Cash to Debt 0.67
PNFP's Cash to Debt is ranked lower than
62% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PNFP: 0.67 )
Ranked among companies with meaningful Cash to Debt only.
PNFP' s Cash to Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.52 Max: No Debt
Current: 0.67
Equity to Asset 0.13
PNFP's Equity to Asset is ranked higher than
75% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.13 Max: 0.22
Current: 0.13
0.06
0.22
Interest Coverage 7.72
PNFP's Interest Coverage is ranked higher than
88% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. PNFP: 7.72 )
Ranked among companies with meaningful Interest Coverage only.
PNFP' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 0.71 Max: 8.01
Current: 7.72
0.44
8.01
F-Score: 4
WACC vs ROIC
9.51%
7.96%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 44.28
PNFP's Operating margin (%) is ranked higher than
78% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. PNFP: 44.28 )
Ranked among companies with meaningful Operating margin (%) only.
PNFP' s Operating margin (%) Range Over the Past 10 Years
Min: -38.07  Med: 31.49 Max: 43.02
Current: 44.28
-38.07
43.02
Net-margin (%) 29.55
PNFP's Net-margin (%) is ranked higher than
71% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. PNFP: 29.55 )
Ranked among companies with meaningful Net-margin (%) only.
PNFP' s Net-margin (%) Range Over the Past 10 Years
Min: -20.83  Med: 23.23 Max: 28.69
Current: 29.55
-20.83
28.69
ROE (%) 10.04
PNFP's ROE (%) is ranked higher than
65% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. PNFP: 10.04 )
Ranked among companies with meaningful ROE (%) only.
PNFP' s ROE (%) Range Over the Past 10 Years
Min: -6.24  Med: 5.99 Max: 13.28
Current: 10.04
-6.24
13.28
ROA (%) 1.32
PNFP's ROA (%) is ranked higher than
77% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. PNFP: 1.32 )
Ranked among companies with meaningful ROA (%) only.
PNFP' s ROA (%) Range Over the Past 10 Years
Min: -0.72  Med: 0.88 Max: 1.22
Current: 1.32
-0.72
1.22
Revenue Growth (3Y)(%) 7.90
PNFP's Revenue Growth (3Y)(%) is ranked higher than
71% of the 1284 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
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 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PNFP: 41.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PNFP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
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
78% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PNFP: 22.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PNFP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.1  Med: 26.15 Max: 101.5
Current: 22.6
-5.1
101.5
» PNFP's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

PNFP Guru Trades in Q3 2015

Paul Tudor Jones 14,800 sh (New)
Jim Simons 510,700 sh (-6.35%)
» 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) 18.70
PNFP's P/E(ttm) is ranked lower than
75% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. PNFP: 18.70 )
Ranked among companies with meaningful P/E(ttm) only.
PNFP' s P/E(ttm) Range Over the Past 10 Years
Min: 10.65  Med: 20.67 Max: 56.28
Current: 18.7
10.65
56.28
Forward P/E 13.39
PNFP's Forward P/E is ranked lower than
85% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. PNFP: 13.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.70
PNFP's PE(NRI) is ranked lower than
80% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. PNFP: 18.70 )
Ranked among companies with meaningful PE(NRI) only.
PNFP' s PE(NRI) Range Over the Past 10 Years
Min: 10.63  Med: 20.68 Max: 55.9
Current: 18.7
10.63
55.9
P/B 1.59
PNFP's P/B is ranked lower than
76% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. PNFP: 1.59 )
Ranked among companies with meaningful P/B only.
PNFP' s P/B Range Over the Past 10 Years
Min: 0.49  Med: 1.32 Max: 3.59
Current: 1.59
0.49
3.59
P/S 5.70
PNFP's P/S is ranked lower than
90% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. PNFP: 5.70 )
Ranked among companies with meaningful P/S only.
PNFP' s P/S Range Over the Past 10 Years
Min: 1.57  Med: 4.56 Max: 8.18
Current: 5.7
1.57
8.18
PFCF 27.17
PNFP's PFCF is ranked lower than
88% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. PNFP: 27.17 )
Ranked among companies with meaningful PFCF only.
PNFP' s PFCF Range Over the Past 10 Years
Min: 2.85  Med: 13.87 Max: 426
Current: 27.17
2.85
426
POCF 23.27
PNFP's POCF is ranked lower than
88% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. PNFP: 23.27 )
Ranked among companies with meaningful POCF only.
PNFP' s POCF Range Over the Past 10 Years
Min: 2.56  Med: 13.03 Max: 147.29
Current: 23.27
2.56
147.29
EV-to-EBIT 16.91
PNFP's EV-to-EBIT is ranked lower than
66% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. PNFP: 16.91 )
Ranked among companies with meaningful EV-to-EBIT only.
PNFP' s EV-to-EBIT Range Over the Past 10 Years
Min: -61.2  Med: 16.80 Max: 41.9
Current: 16.91
-61.2
41.9
EV-to-EBITDA 16.04
PNFP's EV-to-EBITDA is ranked lower than
68% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. PNFP: 16.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
PNFP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1191.1  Med: 15.30 Max: 31
Current: 16.04
-1191.1
31
Shiller P/E 46.15
PNFP's Shiller P/E is ranked lower than
92% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. PNFP: 46.15 )
Ranked among companies with meaningful Shiller P/E only.
PNFP' s Shiller P/E Range Over the Past 10 Years
Min: 20.23  Med: 42.39 Max: 58.56
Current: 46.15
20.23
58.56

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.11
PNFP's Dividend Yield is ranked lower than
88% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. PNFP: 1.11 )
Ranked among companies with meaningful Dividend Yield only.
PNFP' s Dividend Yield Range Over the Past 10 Years
Min: 0.22  Med: 0.77 Max: 1.13
Current: 1.11
0.22
1.13
Dividend Payout 0.18
PNFP's Dividend Payout is ranked higher than
79% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. PNFP: 0.18 )
Ranked among companies with meaningful Dividend Payout only.
PNFP' s Dividend Payout Range Over the Past 10 Years
Min: 0.15  Med: 0.18 Max: 0.19
Current: 0.18
0.15
0.19
Forward Dividend Yield 1.26
PNFP's Forward Dividend Yield is ranked lower than
89% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. PNFP: 1.26 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.13
PNFP's Yield on cost (5-Year) is ranked lower than
88% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. PNFP: 1.13 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PNFP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.22  Med: 0.77 Max: 1.13
Current: 1.13
0.22
1.13
3-Year Average Share Buyback Ratio -1.00
PNFP's 3-Year Average Share Buyback Ratio is ranked higher than
56% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PNFP: -1.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PNFP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -69.5  Med: -23.60 Max: -1
Current: -1
-69.5
-1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.54
PNFP's Price/Tangible Book is ranked lower than
92% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. PNFP: 2.54 )
Ranked among companies with meaningful Price/Tangible Book only.
PNFP' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.85  Med: 2.21 Max: 4.59
Current: 2.54
0.85
4.59
Price/Projected FCF 0.90
PNFP's Price/Projected FCF is ranked lower than
73% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PNFP: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
PNFP' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.80 Max: 3.1
Current: 0.9
0.33
3.1
Price/Median PS Value 1.23
PNFP's Price/Median PS Value is ranked lower than
81% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PNFP: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
PNFP' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.37  Med: 1.06 Max: 1.75
Current: 1.23
0.37
1.75
Price/Peter Lynch Fair Value 2.22
PNFP's Price/Peter Lynch Fair Value is ranked lower than
94% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.24 vs. PNFP: 2.22 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PNFP' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.63  Med: 0.92 Max: 1.27
Current: 2.22
0.63
1.27
Price/Graham Number 1.64
PNFP's Price/Graham Number is ranked lower than
91% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PNFP: 1.64 )
Ranked among companies with meaningful Price/Graham Number only.
PNFP' s Price/Graham Number Range Over the Past 10 Years
Min: 0.7  Med: 1.65 Max: 2.65
Current: 1.64
0.7
2.65
Earnings Yield (Greenblatt) (%) 5.89
PNFP's Earnings Yield (Greenblatt) (%) is ranked lower than
61% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PNFP: 5.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PNFP' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.4  Med: 5.50 Max: 9.6
Current: 5.89
2.4
9.6
Forward Rate of Return (Yacktman) (%) 20.49
PNFP's Forward Rate of Return (Yacktman) (%) is ranked higher than
62% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. PNFP: 20.49 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PNFP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -0.1  Med: 12.40 Max: 55.5
Current: 20.49
-0.1
55.5

More Statistics

Revenue(Mil) $323
EPS $ 2.41
Beta1.11
Short Percentage of Float5.53%
52-Week Range $38.45 - 57.99
Shares Outstanding(Mil)40.85

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 2.99 3.33
EPS without NRI($) 2.99 3.33

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 NAS: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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