Pinnacle Financial PartnersPNFPPC.PFD -0.10%68 FCF Margin % is 76.81% as of Mar. 2026, which is 92% above its 10-year median of 40.07. GuruFocus rates PNFPPC.PFD with a GF Score™ of 68/100. The stock has 2 warning signs investors should review. Among 1,509 Banks companies, Pinnacle Financial Partners ranks better than 78.6% on this metric.
* 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.
PNFPPC.PFD vs EWBC, WBS, FHN: FCF Margin % Comparison
For the Banks - Regional subindustry, Pinnacle Financial Partners's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Financial Partners's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pinnacle Financial Partners's FCF Margin % falls into.
* 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 (PNFPPC.PFD) has a FCF Margin % of 76.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pinnacle Financial Partners and its competitors. This is 92% above median its historical median of 40.07. Over the past decade, Pinnacle Financial Partners' FCF Margin % has ranged from 18.06 to 56.77. According to the industry distribution chart, Pinnacle Financial Partners ranks #323 out of 1509 companies in the Banks industry, placing it in the top 21.4%.
Is Pinnacle Financial Partners' FCF Margin % too high?
Pinnacle Financial Partners' current FCF Margin % of 76.81% is 92% above median its 10-year median of 40.07. Over the past 10 years, this metric has ranged from a low of 18.06 to a high of 56.77. The Banks industry median FCF Margin % is 26.55. Pinnacle Financial Partners' value of 76.81% is 189.3% above this industry median. Based on the distribution chart, Pinnacle Financial Partners ranks #323 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pinnacle Financial Partners has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' FCF Margin % compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #323 out of 1509 companies for FCF Margin %. This places Pinnacle Financial Partners in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Pinnacle Financial Partners' value of 76.81% is 189.3% above this benchmark. Historically, Pinnacle Financial Partners' own FCF Margin % has ranged from 18.06 to 56.77 over the past decade. While the company's 10-year median is 40.07 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Financial Partners's current FCF Margin % of 76.81% is 189.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pinnacle Financial Partners and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Financial Partners's current FCF Margin % is 76.81%, which is 92% above median its own 10-year median of 40.07. 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?
Pinnacle Financial Partners (PNFPPC.PFD) has a current FCF Margin % of 76.81%. The current FCF Margin % is 76.81%, which is 92% above median its 10-year median of 40.07 and 189.3% above the Banks industry median of 26.55. Pinnacle Financial Partners' overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pinnacle Financial Partners (PNFPPC.PFD), the current FCF Margin % is 76.81% as of Mar. 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.
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.
68GF Score
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