PNFP (Pinnacle Financial Partners) E10: $6.60 (As of Jun. 2026)

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PNFP Pinnacle Financial Partners Inc PNFP
70 GF Score
Price $101.67
GF Value $125.99
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Pinnacle Financial Partners E10?

Pinnacle Financial Partners PNFP -2.74% 70 E10 is $6.60 as of Jun. 2026. GuruFocus rates PNFP with a GF Score™ of 70/100 and a GF Value™ of $125.99 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Pinnacle Financial Partners's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.070. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $6.60 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Pinnacle Financial Partners's average E10 Growth Rate was 9.60% per year. During the past 3 years, the average E10 Growth Rate was 11.50% per year. During the past 5 years, the average E10 Growth Rate was 15.90% per year. During the past 10 years, the average E10 Growth Rate was 22.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Pinnacle Financial Partners was 30.70% per year. The lowest was 11.50% per year. And the median was 20.60% per year.

As of today (2026-08-19), Pinnacle Financial Partners's current stock price is $101.67. Pinnacle Financial Partners's E10 for the quarter that ended in Jun. 2026 was $6.60. Pinnacle Financial Partners's Shiller PE Ratio of today is 15.40.

During the past 13 years, the highest Shiller PE Ratio of Pinnacle Financial Partners was 61.87. The lowest was 9.87. And the median was 21.37.


Pinnacle Financial Partners  (NYSE:PNFP) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Pinnacle Financial Partners's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=101.67/6.60
=15.40

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Pinnacle Financial Partners was 61.87. The lowest was 9.87. And the median was 21.37.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Pinnacle Financial Partners E10 Related Terms


Pinnacle Financial Partners E10 Historical Data

* Premium members only.

The historical data trend for Pinnacle Financial Partners's E10 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.

Pinnacle Financial Partners E10 Chart

Pinnacle Financial Partners Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.73 4.55 5.21 5.69 6.31

Pinnacle Financial Partners Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 6.02 6.20 6.31 6.42 6.60

PNFP vs EWBC, WBS, FHN: E10 Comparison

For the Banks - Regional subindustry, Pinnacle Financial Partners's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Financial Partners's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Pinnacle Financial Partners's Shiller PE Ratio falls into.


PNFP
70GF Score
Pinnacle Financial Partners Inc PNFP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pinnacle Financial Partners E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Pinnacle Financial Partners's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=2.07/333.9520*333.9520
=2.070

Current CPI (Jun. 2026) = 333.9520.

Pinnacle Financial Partners Quarterly Data

per share eps CPI Adj_EPS
201609 0.710 241.428 0.982
201612 0.780 241.432 1.079
201703 0.820 243.801 1.123
201706 0.800 244.955 1.091
201709 0.830 246.819 1.123
201712 0.350 246.524 0.474
201803 1.080 249.554 1.445
201806 1.120 251.989 1.484
201809 1.210 252.439 1.601
201812 1.230 251.233 1.635
201903 1.220 254.202 1.603
201906 1.310 256.143 1.708
201909 1.440 256.759 1.873
201912 1.260 256.974 1.637
202003 0.370 258.115 0.479
202006 0.830 257.797 1.075
202009 1.420 260.280 1.822
202012 1.420 260.474 1.821
202103 1.610 264.877 2.030
202106 1.690 271.696 2.077
202109 1.750 274.310 2.130
202112 1.710 278.802 2.048
202203 1.650 287.504 1.917
202206 1.860 296.311 2.096
202209 1.910 296.808 2.149
202212 1.760 296.797 1.980
202303 1.760 301.836 1.947
202306 2.540 305.109 2.780
202309 1.690 307.789 1.834
202312 1.190 306.746 1.296
202403 1.570 312.332 1.679
202406 0.640 314.175 0.680
202409 1.860 315.301 1.970
202412 1.910 315.605 2.021
202503 1.770 319.799 1.848
202506 2.000 322.561 2.071
202509 2.190 324.800 2.252
202512 2.110 324.054 2.174
202603 0.890 330.213 0.900
202606 2.070 333.952 2.070

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $6.60 mean?
Pinnacle Financial Partners (PNFP) has a E10 of $6.60 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Pinnacle Financial Partners and its competitors.
Is Pinnacle Financial Partners' E10 too high?
Pinnacle Financial Partners' current E10 is $6.60. Overall, Pinnacle Financial Partners has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' E10 compare to EWBC and WBS?
Pinnacle Financial Partners' E10 of $6.60 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Pinnacle Financial Partners and its competitors. Pinnacle Financial Partners's current E10 is $6.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Financial Partners stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Financial Partners (PNFP) is currently considered Modestly Undervalued. The stock's GF Value™ is $125.99, compared to a current price of $101.67 — trading 19.3% below its estimated fair value. The current E10 is $6.60. Pinnacle Financial Partners' overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Pinnacle Financial Partners (PNFP), the current E10 is $6.60 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pinnacle Financial Partners (PNFP) Overvalued in 2026?

Based on GuruFocus' analysis, Pinnacle Financial Partners stock appears to be undervalued. The current stock price of $101.67 is trading 19.3% below its estimated GF Value™ of $125.99. GuruFocus considers Pinnacle Financial Partners to be Modestly Undervalued.

Key valuation signals for PNFP:

  • E10: $6.60
  • GF Value™: $125.99 vs. price of $101.67 (19.3% below fair value)
  • GF Score™: 70/100 with 4 warning signs

No single metric tells the full story. See the PNFP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Pinnacle Financial Partners Business Description

Other Exchanges PNFPpC.PFD:USA
Address 3400 Overton Park Drive, Atlanta, GA, USA, 30339
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.
70GF Score

Get the complete analysis for PNFP

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$101.67
Price
$125.99
GF Value