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Pinnacle Financial PartnersFRA:PFZ0 73 EV-to-FCF is 11.99 as of Aug. 03, 2026, which is 5% below its 10-year median of 12.58. GuruFocus rates FRA:PFZ0 with a GF Score™ of 73/100 and a GF Value™ of €106.29 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,199 Banks companies, Pinnacle Financial Partners ranks worse than 65.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pinnacle Financial Partners's Enterprise Value is €16,722 Mil.
Pinnacle Financial Partners's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €1,394 Mil. Therefore, Pinnacle Financial Partners's EV-to-FCF for today is 11.99.
The historical rank and industry rank for Pinnacle Financial Partners's EV-to-FCF or its related term are showing as below:
FRA:PFZ0'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.34 Med: 12.58 Max: 57.41
Current: 11.91
During the past 13 years, the highest EV-to-FCF of Pinnacle Financial Partners was 57.41. The lowest was 4.34. And the median was 12.58.
FRA:PFZ0's EV-to-FCF is ranked worse than 65.3% of 1199
companies
in the Banks industry
Industry Median: 7.18
vs FRA:PFZ0: 11.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pinnacle Financial Partners's PE Ratio (TTM) for today is calculated as:
Pinnacle Financial Partners's share price for today is €89.50.
Pinnacle Financial Partners's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €6.235.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pinnacle Financial Partners EV-to-FCF Related Terms
Pinnacle Financial Partners EV-to-FCF 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.
For the Banks - Regional subindustry, Pinnacle Financial Partners's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Financial Partners's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pinnacle Financial Partners's EV-to-FCF falls into.
Pinnacle Financial Partners's current Enterprise Value is €16,722 Mil.
Pinnacle Financial Partners's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,394 Mil.
* 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 (FRA:PFZ0) has a EV-to-FCF of 11.99 as of Aug. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pinnacle Financial Partners and its competitors. This is near median its historical median of 12.58. Over the past decade, Pinnacle Financial Partners' EV-to-FCF has ranged from 4.34 to 57.41. According to the industry distribution chart, Pinnacle Financial Partners ranks #783 out of 1199 companies in the Banks industry, placing it in the top 65.3%.
Is Pinnacle Financial Partners' EV-to-FCF too high?
Pinnacle Financial Partners' current EV-to-FCF of 11.99 is near median its 10-year median of 12.58. Over the past 10 years, this metric has ranged from a low of 4.34 to a high of 57.41. The Banks industry median EV-to-FCF is 7.18. Pinnacle Financial Partners' value of 11.99 is 67% above this industry median. Based on the distribution chart, Pinnacle Financial Partners ranks #783 out of 1199 companies in the Banks industry, which is below the industry midpoint. Overall, Pinnacle Financial Partners has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' EV-to-FCF compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #783 out of 1199 companies for EV-to-FCF. This places Pinnacle Financial Partners in the lower half of its industry. The industry median EV-to-FCF is 7.18. Pinnacle Financial Partners' value of 11.99 is 67% above this benchmark. Historically, Pinnacle Financial Partners' own EV-to-FCF has ranged from 4.34 to 57.41 over the past decade. While the company's 10-year median is 12.58 vs. the industry median of 7.18, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.18, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Financial Partners's current EV-to-FCF of 11.99 is 67% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pinnacle Financial Partners and its competitors. For the Banks industry, the median EV-to-FCF is 7.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Financial Partners's current EV-to-FCF is 11.99, which is near median its own 10-year median of 12.58. 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 (FRA:PFZ0) is currently considered Modestly Undervalued. The stock's GF Value™ is €106.29, compared to a current price of €89.50 — trading 15.8% below its estimated fair value. The current EV-to-FCF is 11.99, which is near median its 10-year median of 12.58 and 67% above the Banks industry median of 7.18. Pinnacle Financial Partners' overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pinnacle Financial Partners (FRA:PFZ0), the current EV-to-FCF is 11.99 as of Aug. 03, 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 (FRA:PFZ0) Overvalued in 2026?
Based on GuruFocus' analysis, Pinnacle Financial Partners stock appears to be undervalued.
The current stock price of €89.50 is trading 15.8% below its estimated GF Value™ of €106.29.
GuruFocus considers Pinnacle Financial Partners to be Modestly Undervalued.
Key valuation signals for FRA:PFZ0:
EV-to-FCF: 11.99 (near median its 10-year median of 12.58)
GF Value™: €106.29 vs. price of €89.50 (15.8% below fair value)
Industry Position: 67% above the Banks median (#783 of 1199)
No single metric tells the full story. See the FRA:PFZ0 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.
73GF Score
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