The historical rank and industry rank for Pinnacle Financial Partners's PB Ratio or its related term are showing as below:
MIL:1PNFP'
s PB Ratio Range Over the Past 10 Years
Min: 0.59 Med: 1.17 Max: 2.23
Current: 1.1
During the past 13 years, Pinnacle Financial Partners's highest PB Ratio was 2.23. The lowest was 0.59. And the median was 1.17.
MIL:1PNFP's PB Ratio is ranked better than 50.23% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs MIL:1PNFP: 1.10
During the past 12 months, Pinnacle Financial Partners's average Book Value Per Share Growth Rate was 12.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 11.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pinnacle Financial Partners was 52.80% per year. The lowest was -6.20% per year. And the median was 9.00% per year.
Back to Basics: PB Ratio
Pinnacle Financial Partners (MIL:1PNFP) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pinnacle Financial Partners PB Ratio Related Terms
Pinnacle Financial Partners PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Financial Partners's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pinnacle Financial Partners's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pinnacle Financial Partners (MIL:1PNFP) has a PB Ratio of 0.95 as of Jul. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pinnacle Financial Partners and its competitors. This is 19% below median its historical median of 1.17. Over the past decade, Pinnacle Financial Partners' PB Ratio has ranged from 0.59 to 2.23. According to the industry distribution chart, Pinnacle Financial Partners ranks #755 out of 1517 companies in the Banks industry, placing it in the top 49.8%.
Is Pinnacle Financial Partners' PB Ratio too high?
Pinnacle Financial Partners' current PB Ratio of 0.95 is 19% below median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 2.23. The Banks industry median PB Ratio is 1.10. Pinnacle Financial Partners' value of 0.95 is 13.6% below this industry median. Based on the distribution chart, Pinnacle Financial Partners ranks #755 out of 1517 companies in the Banks industry, which is above the industry midpoint. 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' PB Ratio compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #755 out of 1517 companies for PB Ratio. This puts Pinnacle Financial Partners in the upper half of its industry. The industry median PB Ratio is 1.10. Pinnacle Financial Partners' value of 0.95 is 13.6% below this benchmark. Historically, Pinnacle Financial Partners' own PB Ratio has ranged from 0.59 to 2.23 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Financial Partners's current PB Ratio of 0.95 is 13.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pinnacle Financial Partners and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Financial Partners's current PB Ratio is 0.95, which is 19% below median its own 10-year median of 1.17. 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 PB Ratio of 0.95. 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 PB Ratio is 0.95, which is 19% below median its 10-year median of 1.17 and 13.6% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pinnacle Financial Partners (MIL:1PNFP), the current PB Ratio is 0.95 as of Jul. 08, 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:
PB Ratio: 0.95 (19% below median its 10-year median of 1.17)
GF Value™: €91.48 vs. price of €75.50 (17.5% below fair value)
Industry Position: 13.6% below the Banks median (#755 of 1517)
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 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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