Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pinnacle Financial PartnersFRA:PFZ0 73 Net Margin % is 12.65% as of Mar. 2026, which is 67% below its 10-year median of 38.24. 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 1,526 Banks companies, Pinnacle Financial Partners ranks worse than 57.14% on this metric.
Pinnacle Financial Partners (FRA:PFZ0) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pinnacle Financial Partners Net Margin % Related Terms
Pinnacle Financial Partners Net Margin % 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.
FRA:PFZ0 vs EWBC, WBS, FHN: Net Margin % Comparison
For the Banks - Regional subindustry, Pinnacle Financial Partners's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Financial Partners's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pinnacle Financial Partners's Net 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 (FRA:PFZ0) has a Net Margin % of 12.65% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pinnacle Financial Partners and its competitors. This is 67% below median its historical median of 38.24. Over the past decade, Pinnacle Financial Partners' Net Margin % has ranged from 24.83 to 47.20. According to the industry distribution chart, Pinnacle Financial Partners ranks #872 out of 1526 companies in the Banks industry, placing it in the top 57.1%.
Is Pinnacle Financial Partners' Net Margin % too high?
Pinnacle Financial Partners' current Net Margin % of 12.65% is 67% below median its 10-year median of 38.24. Over the past 10 years, this metric has ranged from a low of 24.83 to a high of 47.20. The Banks industry median Net Margin % is 27.07. Pinnacle Financial Partners' value of 12.65% is 53.3% below this industry median. Based on the distribution chart, Pinnacle Financial Partners ranks #872 out of 1526 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' Net Margin % compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #872 out of 1526 companies for Net Margin %. This places Pinnacle Financial Partners in the lower half of its industry. The industry median Net Margin % is 27.07. Pinnacle Financial Partners' value of 12.65% is 53.3% below this benchmark. Historically, Pinnacle Financial Partners' own Net Margin % has ranged from 24.83 to 47.20 over the past decade. While the company's 10-year median is 38.24 vs. the industry median of 27.07, Pinnacle Financial Partners has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.07, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Financial Partners's current Net Margin % of 12.65% is 53.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pinnacle Financial Partners and its competitors. For the Banks industry, the median Net Margin % is 27.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Financial Partners's current Net Margin % is 12.65%, which is 67% below median its own 10-year median of 38.24. 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 Net Margin % is 12.65%, which is 67% below median its 10-year median of 38.24 and 53.3% below the Banks industry median of 27.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pinnacle Financial Partners (FRA:PFZ0), the current Net Margin % is 12.65% 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.
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:
Net Margin %: 12.65% (67% below median its 10-year median of 38.24)
GF Value™: €106.29 vs. price of €89.50 (15.8% below fair value)
Industry Position: 53.3% below the Banks median (#872 of 1526)
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
Get the complete analysis for FRA:PFZ0
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:PFZ0 has been successfully added to your 
