Pinnacle Financial Partners (MIL:1PNFP) GF Value Rank: 10 (As of Aug. 04, 2026) — 25% Above Median

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Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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.

MIL:1PNFP Pinnacle Financial Partners Inc MIL:1PNFP
71 GF Score
Price €75.50
GF Value €87.70
! 3 Warning Signs
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What is Pinnacle Financial Partners GF Value Rank?

Pinnacle Financial Partners MIL:1PNFP 71 GF Value Rank is 10 as of Aug. 04, 2026, which is 25% above its 10-year median of 8.00. GuruFocus rates MIL:1PNFP with a GF Score™ of 71/100 and a GF Value™ of €87.70. The stock has 3 warning signs investors should review.

Pinnacle Financial Partners has the GF Value Rank of 10.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.


Pinnacle Financial Partners GF Value Rank Related Terms


MIL:1PNFP vs EWBC, WBS, FHN: GF Value Rank Comparison

For the Banks - Regional subindustry, Pinnacle Financial Partners's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Pinnacle Financial Partners's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Pinnacle Financial Partners's GF Value Rank falls into.


MIL:1PNFP
71GF Score
Pinnacle Financial Partners Inc MIL:1PNFP
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 10 mean?
Pinnacle Financial Partners (MIL:1PNFP) has a GF Value Rank of 10 as of Aug. 04, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Pinnacle Financial Partners and its competitors. This is 25% above median its historical median of 8.00. Over the past decade, Pinnacle Financial Partners' GF Value Rank has ranged from 4.00 to 10.00.
Is Pinnacle Financial Partners' GF Value Rank too high?
Pinnacle Financial Partners' current GF Value Rank of 10 is 25% above median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 10.00. Overall, Pinnacle Financial Partners has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' GF Value Rank compare to EWBC and WBS?
Pinnacle Financial Partners' GF Value Rank of 10 can be compared against companies in the Banks industry. Historically, Pinnacle Financial Partners' own GF Value Rank has ranged from 4.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Pinnacle Financial Partners and its competitors. Pinnacle Financial Partners's current GF Value Rank is 10, which is 25% above median its own 10-year median of 8.00. 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 GF Value Rank of 10. The stock's GF Value™ is €87.70, compared to a current price of €75.50 — trading 13.9% below its estimated fair value. The current GF Value Rank is 10, which is 25% above median its 10-year median of 8.00. Pinnacle Financial Partners' overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Pinnacle Financial Partners (MIL:1PNFP), the current GF Value Rank is 10 as of Aug. 04, 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 13.9% below its estimated GF Value™ of €87.70.

Key valuation signals for MIL:1PNFP:

  • GF Value Rank: 10 (25% above median its 10-year median of 8.00)
  • GF Value™: €87.70 vs. price of €75.50 (13.9% below fair value)
  • GF Score™: 71/100 with 3 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.
71GF Score

Get the complete analysis for MIL:1PNFP

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€75.50
Price
€87.70
GF Value