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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.36
PNFP's Cash-to-Debt is ranked lower than
85% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. PNFP: 0.36 )
Ranked among companies with meaningful Cash-to-Debt only.
PNFP' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 0.48 Max: No Debt
Current: 0.36
Equity-to-Asset 0.15
PNFP's Equity-to-Asset is ranked higher than
75% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PNFP: 0.15 )
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: 0.15
0.06
0.22
Interest Coverage 4.52
PNFP's Interest Coverage is ranked higher than
80% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. PNFP: 4.52 )
Ranked among companies with meaningful Interest Coverage only.
PNFP' s Interest Coverage Range Over the Past 10 Years
Min: 0.44  Med: 3.87 Max: 8.01
Current: 4.52
0.44
8.01
Beneish M-Score: -2.17
WACC vs ROIC
8.93%
7.32%
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 : 6/10

vs
industry
vs
history
Operating Margin % 43.63
PNFP's Operating Margin % is ranked higher than
74% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. PNFP: 43.63 )
Ranked among companies with meaningful Operating Margin % only.
PNFP' s Operating Margin % Range Over the Past 10 Years
Min: -38.07  Med: 31.97 Max: 44.28
Current: 43.63
-38.07
44.28
Net Margin % 29.85
PNFP's Net Margin % is ranked higher than
67% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. PNFP: 29.85 )
Ranked among companies with meaningful Net Margin % only.
PNFP' s Net Margin % Range Over the Past 10 Years
Min: -20.83  Med: 23.28 Max: 29.85
Current: 29.85
-20.83
29.85
ROE % 9.66
PNFP's ROE % is ranked higher than
59% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. PNFP: 9.66 )
Ranked among companies with meaningful ROE % only.
PNFP' s ROE % Range Over the Past 10 Years
Min: -6.24  Med: 5.99 Max: 9.75
Current: 9.66
-6.24
9.75
ROA % 1.31
PNFP's ROA % is ranked higher than
73% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PNFP: 1.31 )
Ranked among companies with meaningful ROA % only.
PNFP' s ROA % Range Over the Past 10 Years
Min: -0.72  Med: 0.88 Max: 1.31
Current: 1.31
-0.72
1.31
3-Year Revenue Growth Rate 16.40
PNFP's 3-Year Revenue Growth Rate is ranked higher than
87% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. PNFP: 16.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PNFP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.5  Med: 14.45 Max: 88.5
Current: 16.4
-3.5
88.5
3-Year EBITDA Growth Rate 20.00
PNFP's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. PNFP: 20.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PNFP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -18  Med: 24.3 Max: 64.5
Current: 20
-18
64.5
3-Year EPS without NRI Growth Rate 20.30
PNFP's 3-Year EPS without NRI Growth Rate is ranked higher than
78% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PNFP: 20.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PNFP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -5  Med: 26.3 Max: 100.8
Current: 20.3
-5
100.8
GuruFocus has detected 2 Warning Signs with Pinnacle Financial Partners Inc $PNFP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PNFP's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2016

PNFP Guru Trades in Q2 2016

Paul Tudor Jones 10,334 sh (-25.84%)
Jim Simons 291,300 sh (-34.39%)
» More
Q3 2016

PNFP Guru Trades in Q3 2016

Jim Simons 137,168 sh (-52.91%)
Paul Tudor Jones 4,100 sh (-60.33%)
» More
Q4 2016

PNFP Guru Trades in Q4 2016

Paul Tudor Jones Sold Out
Jim Simons 60,992 sh (-55.53%)
» More
Q1 2017

PNFP Guru Trades in Q1 2017

Jim Simons Sold Out
» 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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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NYSE:VLY, NAS:FULT, NYSE:STL, NAS:CATY, NAS:CHFC, NYSE:CBU, NYSE:BOH, NYSE:TCF, NYSE:BXS, NAS:HOMB, NAS:UMBF, NAS:FFIN, NAS:MBFI, NAS:GBCI, NAS:FMBI, NYSE:EVER, NYSE:BKU, NAS:HOPE, NAS:SSB, NYSE:ASB » details
Traded in other countries:PFZ.Germany,
Headquarter Location:USA
Pinnacle Financial Partners Inc is a bank holding company of Pinnacle Bank. It operates as a community bank in the urban markets of Nashville and Knoxville, Tennessee.

Pinnacle Financial Partners is a bank holding company. The company operates through its wholly owned subsidiary, Pinnacle Bank. The bank provides a full range of lending products, including commercial, real estate, and consumer loans to individuals and small to medium-size businesses. Pinnacle operates as a community bank primarily in the urban markets of Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, as well as surrounding counties. Its strategy relies heavily on mergers and acquisitions. A majority of its loan portfolio is in commercial loans, primarily real estate, as well as industrial loans. The bank generates a majority of its net revenue through net interest income.

Ratios

vs
industry
vs
history
PE Ratio 20.28
PNFP's PE Ratio is ranked lower than
81% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. PNFP: 20.28 )
Ranked among companies with meaningful PE Ratio only.
PNFP' s PE Ratio Range Over the Past 10 Years
Min: 10.63  Med: 20.01 Max: 55.9
Current: 20.28
10.63
55.9
Forward PE Ratio 19.19
PNFP's Forward PE Ratio is ranked lower than
91% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. PNFP: 19.19 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 20.28
PNFP's PE Ratio without NRI is ranked lower than
81% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. PNFP: 20.28 )
Ranked among companies with meaningful PE Ratio without NRI only.
PNFP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.63  Med: 20.01 Max: 55.9
Current: 20.28
10.63
55.9
Price-to-Owner-Earnings 21.63
PNFP's Price-to-Owner-Earnings is ranked lower than
77% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. PNFP: 21.63 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PNFP' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.38  Med: 18.5 Max: 12443.33
Current: 21.63
5.38
12443.33
PB Ratio 1.76
PNFP's PB Ratio is ranked lower than
85% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PNFP: 1.76 )
Ranked among companies with meaningful PB Ratio only.
PNFP' s PB Ratio Range Over the Past 10 Years
Min: 0.49  Med: 1.32 Max: 2.34
Current: 1.76
0.49
2.34
PS Ratio 6.04
PNFP's PS Ratio is ranked lower than
87% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. PNFP: 6.04 )
Ranked among companies with meaningful PS Ratio only.
PNFP' s PS Ratio Range Over the Past 10 Years
Min: 1.57  Med: 4.56 Max: 8.19
Current: 6.04
1.57
8.19
Price-to-Free-Cash-Flow 33.23
PNFP's Price-to-Free-Cash-Flow is ranked lower than
86% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. PNFP: 33.23 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PNFP' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.86  Med: 14.32 Max: 392.95
Current: 33.23
2.86
392.95
Price-to-Operating-Cash-Flow 25.64
PNFP's Price-to-Operating-Cash-Flow is ranked lower than
87% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. PNFP: 25.64 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PNFP' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.56  Med: 13.4 Max: 152.37
Current: 25.64
2.56
152.37
EV-to-EBIT 16.87
PNFP's EV-to-EBIT is ranked lower than
74% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. PNFP: 16.87 )
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 Max: 41.9
Current: 16.87
-61.2
41.9
EV-to-EBITDA 15.54
PNFP's EV-to-EBITDA is ranked lower than
74% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. PNFP: 15.54 )
Ranked among companies with meaningful EV-to-EBITDA only.
PNFP' s EV-to-EBITDA Range Over the Past 10 Years
Min: -1191.1  Med: 14.9 Max: 31
Current: 15.54
-1191.1
31
PEG Ratio 0.66
PNFP's PEG Ratio is ranked higher than
73% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. PNFP: 0.66 )
Ranked among companies with meaningful PEG Ratio only.
PNFP' s PEG Ratio Range Over the Past 10 Years
Min: 0.31  Med: 0.64 Max: 1.19
Current: 0.66
0.31
1.19
Shiller PE Ratio 49.77
PNFP's Shiller PE Ratio is ranked lower than
92% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. PNFP: 49.77 )
Ranked among companies with meaningful Shiller PE Ratio only.
PNFP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 19.85  Med: 44 Max: 59.29
Current: 49.77
19.85
59.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.89
PNFP's Dividend Yield % is ranked lower than
91% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. PNFP: 0.89 )
Ranked among companies with meaningful Dividend Yield % only.
PNFP' s Dividend Yield % Range Over the Past 10 Years
Min: 0.22  Med: 0.83 Max: 1.11
Current: 0.89
0.22
1.11
Dividend Payout Ratio 0.18
PNFP's Dividend Payout Ratio is ranked higher than
88% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. PNFP: 0.18 )
Ranked among companies with meaningful Dividend Payout Ratio only.
PNFP' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.17 Max: 0.19
Current: 0.18
0.05
0.19
3-Year Dividend Growth Rate 91.30
PNFP's 3-Year Dividend Growth Rate is ranked higher than
98% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PNFP: 91.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
PNFP' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 91.3
Current: 91.3
0
91.3
Forward Dividend Yield % 0.89
PNFP's Forward Dividend Yield % is ranked lower than
93% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. PNFP: 0.89 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.90
PNFP's 5-Year Yield-on-Cost % is ranked lower than
93% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. PNFP: 0.90 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PNFP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.22  Med: 0.83 Max: 1.11
Current: 0.9
0.22
1.11
3-Year Average Share Buyback Ratio -9.60
PNFP's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. PNFP: -9.60 )
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: -41.2  Med: -14.1 Max: -1.3
Current: -9.6
-41.2
-1.3

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.66
PNFP's Price-to-Tangible-Book is ranked lower than
94% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. PNFP: 2.66 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PNFP' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.85  Med: 2.41 Max: 4.59
Current: 2.66
0.85
4.59
Price-to-Intrinsic-Value-Projected-FCF 1.07
PNFP's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
76% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. PNFP: 1.07 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PNFP' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.87 Max: 2.91
Current: 1.07
0.33
2.91
Price-to-Median-PS-Value 1.33
PNFP's Price-to-Median-PS-Value is ranked lower than
74% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. PNFP: 1.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PNFP' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.36  Med: 1.08 Max: 1.75
Current: 1.33
0.36
1.75
Price-to-Peter-Lynch-Fair-Value 0.83
PNFP's Price-to-Peter-Lynch-Fair-Value is ranked higher than
64% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PNFP: 0.83 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PNFP' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.63  Med: 0.88 Max: 1.27
Current: 0.83
0.63
1.27
Price-to-Graham-Number 1.55
PNFP's Price-to-Graham-Number is ranked lower than
93% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. PNFP: 1.55 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PNFP' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.7  Med: 1.63 Max: 2.66
Current: 1.55
0.7
2.66
Earnings Yield (Greenblatt) % 5.97
PNFP's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. PNFP: 5.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PNFP' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2.4  Med: 5.9 Max: 9.6
Current: 5.97
2.4
9.6
Forward Rate of Return (Yacktman) % 28.68
PNFP's Forward Rate of Return (Yacktman) % is ranked higher than
85% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. PNFP: 28.68 )
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: 0.4  Med: 13 Max: 55.5
Current: 28.68
0.4
55.5

More Statistics

Revenue (TTM) (Mil) $465.4
EPS (TTM) $ 3.05
Beta1.27
Short Percentage of Float6.32%
52-Week Range $44.61 - 71.85
Shares Outstanding (Mil)49.83

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 3.28 4.15
EPS without NRI ($) 3.28 4.15
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.56 0.64
» More Articles for PNFP

Headlines

Articles On GuruFocus.com
Shareholder Alert: Monteverde & Associates PC Announces An Investigation Of BNC Bancorp - BNCN May 04 2017 
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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Pinnacle Financial Partners Obtains Regulatory Approvals to Acquire BNC Bancorp Apr 06 2017
Pinnacle Financial Announces Dates for First Quarter 2017 Earnings Release and Conference Call Apr 05 2017
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