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PNFP (Pinnacle Financial Partners) Cyclically Adjusted Price-to-FCF : 19.27 (As of Jul. 17, 2025)


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What is Pinnacle Financial Partners Cyclically Adjusted Price-to-FCF?

As of today (2025-07-17), Pinnacle Financial Partners's current share price is $118.88. Pinnacle Financial Partners's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $6.17. Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF for today is 19.27.

The historical rank and industry rank for Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

PNFP' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 8.54   Med: 18.14   Max: 27.37
Current: 18.87

During the past years, Pinnacle Financial Partners's highest Cyclically Adjusted Price-to-FCF was 27.37. The lowest was 8.54. And the median was 18.14.

PNFP's Cyclically Adjusted Price-to-FCF is ranked worse than
85.83% of 896 companies
in the Banks industry
Industry Median: 9.09 vs PNFP: 18.87

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Pinnacle Financial Partners's adjusted free cash flow per share data for the three months ended in Mar. 2025 was $-0.559. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $6.17 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Pinnacle Financial Partners Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Pinnacle Financial Partners Cyclically Adjusted Price-to-FCF Chart

Pinnacle Financial Partners Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.12 21.34 14.48 16.43 18.56

Pinnacle Financial Partners Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 14.12 17.25 18.56 17.18 -

Competitive Comparison of Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF falls into.


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Pinnacle Financial Partners Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=118.88/6.17
=19.27

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pinnacle Financial Partners's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Pinnacle Financial Partners's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=-0.559/134.9266*134.9266
=-0.559

Current CPI (Mar. 2025) = 134.9266.

Pinnacle Financial Partners Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 0.524 100.684 0.702
201509 0.112 100.392 0.151
201512 1.138 99.792 1.539
201603 0.518 100.470 0.696
201606 0.748 101.688 0.992
201609 0.321 101.861 0.425
201612 1.472 101.863 1.950
201703 -0.075 102.862 -0.098
201706 1.283 103.349 1.675
201709 0.244 104.136 0.316
201712 0.365 104.011 0.473
201803 0.932 105.290 1.194
201806 1.600 106.317 2.031
201809 1.342 106.507 1.700
201812 1.897 105.998 2.415
201903 1.986 107.251 2.498
201906 0.028 108.070 0.035
201909 1.632 108.329 2.033
201912 1.420 108.420 1.767
202003 0.662 108.902 0.820
202006 1.530 108.767 1.898
202009 1.392 109.815 1.710
202012 1.534 109.897 1.883
202103 1.507 111.754 1.819
202106 2.146 114.631 2.526
202109 1.917 115.734 2.235
202112 2.777 117.630 3.185
202203 0.554 121.301 0.616
202206 1.779 125.017 1.920
202209 3.628 125.227 3.909
202212 1.145 125.222 1.234
202303 4.265 127.348 4.519
202306 -1.598 128.729 -1.675
202309 1.399 129.860 1.454
202312 1.159 129.419 1.208
202403 2.355 131.776 2.411
202406 0.767 132.554 0.781
202409 1.251 133.029 1.269
202412 6.003 133.157 6.083
202503 -0.559 134.927 -0.559

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Pinnacle Financial Partners  (NAS:PNFP) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Pinnacle Financial Partners Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Pinnacle Financial Partners's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Pinnacle Financial Partners Business Description

Traded in Other Exchanges
Address
150 Third Avenue South, Suite 900, Nashville, TN, USA, 37201
Pinnacle Financial Partners Inc is a financial 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-sized businesses. It operates as a community bank mainly in the urban markets of Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, as well as surrounding counties. It relies heavily on mergers and acquisitions. A majority of its loan portfolio is in commercial loans, mainly real estate, as well as industrial loans. The bank generates a majority of its net revenue through net interest income.
Executives
Mccabe Robert A Jr director 500 CHURCH ST, STE 200, NASHVILLE TN 37219
Glenda Baskin Glover director 911 E. WINDING CREEK DRIVE, SUITE 150, EAGLE ID 83616
M Terry Turner officer: President & CEO
Callicutt Richard D Ii director, officer: Chairman-Carolinas & Virginia 3980 PREMIER DRIVE, SUITE 210, HIGH POINT NC 27265
David B Ingram director TWO INGRAM BLVD, LA VERGNE TN 37089
Harold R Carpenter officer: CFO
Gregory L Burns director 203 LYNWOOD BLVD, C/O BASS BERRY & SIMS, NASHVILLE TN 37205
J. Harvey White officer: Chief Credit Officer 211 COMMERCE STREET, NASHVILLE TN 37201
Charles E Brock director PO BOX 2007, DALTON GA 30722
Hugh M Queener other: Former CAO
Joseph C Galante director 111 TENTH AVENUE, SUITE 200, NASHVILLE TN 37203
Smith Reese L Iii director
Gary L Scott director C/O MID-AMERICA BANCSHARES, INC, 7651 HIGHWAY 70 SOUTH, NASHVILLE TN 37221
Decosta Jenkins director 150 THIRD AVENUE SOUTH STE 900, NASHVILLE TN 37201
Ronald L Samuel director, officer: Vice Chairman 111 TENTH AVENUE SOUTH, SUITE 200, NASHVILLE TN 37203