Pinnacle Financial Partners (MIL:1PNFP) Margin of Safety % (DCF FCF Based): 76.17% (As of Jul. 09, 2026)


MIL:1PNFP Pinnacle Financial Partners Inc MIL:1PNFP
68 GF Score
Price €75.50
GF Value €91.48
! 2 Warning Signs
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What is Pinnacle Financial Partners Margin of Safety % (DCF FCF Based)?

Pinnacle Financial Partners MIL:1PNFP 68 Margin of Safety % (DCF FCF Based) is 76.17% as of Jul. 09, 2026. GuruFocus rates MIL:1PNFP with a GF Score™ of 68/100 and a GF Value™ of €91.48. The stock has 2 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-09), Pinnacle Financial Partners's Predictability Rank is 4.5-Stars. Pinnacle Financial Partners's intrinsic value calculated from the Discounted FCF model is €65.32 and current share price is €75.50. Consequently,

Pinnacle Financial Partners's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 76.17%.

MIL:1PNFP vs EWBC, WBS, FHN: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Pinnacle Financial Partners's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Financial Partners's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Pinnacle Financial Partners's Margin of Safety % (DCF FCF Based) falls into.


MIL:1PNFP
68GF Score
Pinnacle Financial Partners Inc MIL:1PNFP
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Financial Partners Margin of Safety % (DCF FCF Based) Calculation

Pinnacle Financial Partners's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(316.87-75.50)/316.87
=76.17 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 76.17% mean?
Pinnacle Financial Partners (MIL:1PNFP) has a Margin of Safety % (DCF FCF Based) of 76.17% as of Jul. 09, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Pinnacle Financial Partners.
Is Pinnacle Financial Partners' Margin of Safety % (DCF FCF Based) too high?
Pinnacle Financial Partners' current Margin of Safety % (DCF FCF Based) is 76.17%. 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' Margin of Safety % (DCF FCF Based) compare to EWBC and WBS?
Pinnacle Financial Partners' Margin of Safety % (DCF FCF Based) of 76.17% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Pinnacle Financial Partners. Pinnacle Financial Partners's current Margin of Safety % (DCF FCF Based) is 76.17%. 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 (MIL:1PNFP) has a current Margin of Safety % (DCF FCF Based) of 76.17%. The stock's GF Value™ is €91.48, compared to a current price of €75.50 — trading 17.5% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 76.17%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Pinnacle Financial Partners (MIL:1PNFP), the current Margin of Safety % (DCF FCF Based) is 76.17% as of Jul. 09, 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 (MIL:1PNFP) Overvalued in 2026?

Based on GuruFocus' analysis, Pinnacle Financial Partners stock appears to be undervalued. The current stock price of €75.50 is trading 17.5% below its estimated GF Value™ of €91.48.

Key valuation signals for MIL:1PNFP:

  • Margin of Safety % (DCF FCF Based): 76.17%
  • GF Value™: €91.48 vs. price of €75.50 (17.5% below fair value)
  • GF Score™: 68/100 with 2 warning signs

No single metric tells the full story. See the MIL:1PNFP 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:USAPNFP: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.
68GF Score

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Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€75.50
Price
€91.48
GF Value