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Pinnacle Financial PartnersPNFP +0.11%70 Equity-to-Asset is 0.12 as of Jun. 2026, which is 14% below its 10-year median of 0.14. GuruFocus rates PNFP with a GF Score™ of 70/100 and a GF Value™ of $126.91 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Pinnacle Financial Partners ranks better than 72.01% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Pinnacle Financial Partners Equity-to-Asset Related Terms
Pinnacle Financial Partners Equity-to-Asset Historical Data
* 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.
PNFP vs EWBC, WBS, FHN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Pinnacle Financial Partners's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Financial Partners's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Pinnacle Financial Partners's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Pinnacle Financial Partners's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (PNFP) has a Equity-to-Asset of 0.12 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pinnacle Financial Partners and its competitors. This is 14% below median its historical median of 0.14. Over the past decade, Pinnacle Financial Partners' Equity-to-Asset has ranged from 0.12 to 0.17. According to the industry distribution chart, Pinnacle Financial Partners ranks #426 out of 1522 companies in the Banks industry, placing it in the top 28%.
Is Pinnacle Financial Partners' Equity-to-Asset too high?
Pinnacle Financial Partners' current Equity-to-Asset of 0.12 is 14% below median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.17. The Banks industry median Equity-to-Asset is 0.10. Pinnacle Financial Partners' value of 0.12 is 20% above this industry median. Based on the distribution chart, Pinnacle Financial Partners ranks #426 out of 1522 companies in the Banks industry, which is above the industry midpoint. 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' Equity-to-Asset compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #426 out of 1522 companies for Equity-to-Asset. This puts Pinnacle Financial Partners in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Pinnacle Financial Partners' value of 0.12 is 20% above this benchmark. Historically, Pinnacle Financial Partners' own Equity-to-Asset has ranged from 0.12 to 0.17 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, Pinnacle Financial Partners has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Financial Partners's current Equity-to-Asset of 0.12 is 20% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pinnacle Financial Partners and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Financial Partners's current Equity-to-Asset is 0.12, which is 14% below median its own 10-year median of 0.14. 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 $126.91, compared to a current price of $101.09 — trading 20.3% below its estimated fair value. The current Equity-to-Asset is 0.12, which is 14% below median its 10-year median of 0.14 and 20% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Pinnacle Financial Partners (PNFP), the current Equity-to-Asset is 0.12 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 $101.09 is trading 20.3% below its estimated GF Value™ of $126.91.
GuruFocus considers Pinnacle Financial Partners to be Modestly Undervalued.
Key valuation signals for PNFP:
Equity-to-Asset: 0.12 (14% below median its 10-year median of 0.14)
GF Value™: $126.91 vs. price of $101.09 (20.3% below fair value)
Industry Position: 20% above the Banks median (#426 of 1522)
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 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
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