Pinnacle Financial Partners (MIL:1PNFP) Scaled Net Operating Assets: 0.05 (As of Mar. 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 Scaled Net Operating Assets?

Pinnacle Financial Partners MIL:1PNFP 68 Scaled Net Operating Assets is 0.05 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pinnacle Financial Partners's operating assets for the quarter that ended in Mar. 2026 was €91,014 Mil. Pinnacle Financial Partners's operating liabilities for the quarter that ended in Mar. 2026 was €88,603 Mil. Pinnacle Financial Partners's Total Assets for the quarter that ended in Dec. 2025 was €49,281 Mil. Therefore, Pinnacle Financial Partners's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.05.

MIL:1PNFP
68GF Score
Pinnacle Financial Partners Inc MIL:1PNFP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Financial Partners Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pinnacle Financial Partners's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(46314.252-41382.539)/50222.924
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=49280.969 - 2966.717
=46314.252

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=43265.637 - 1883.098 - 0
=41382.539

Pinnacle Financial Partners's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(91013.57-88602.815)/49280.969
=0.05

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=106192.59 - 15179.02
=91013.57

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=93568.78 - 4965.965 - 0
=88602.815

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
Pinnacle Financial Partners (MIL:1PNFP) has a Scaled Net Operating Assets of 0.05 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pinnacle Financial Partners and its competitors.
Is Pinnacle Financial Partners' Scaled Net Operating Assets too high?
Pinnacle Financial Partners' current Scaled Net Operating Assets is 0.05. 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' Scaled Net Operating Assets compare to EWBC and WBS?
Pinnacle Financial Partners' Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pinnacle Financial Partners and its competitors. Pinnacle Financial Partners's current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets of 0.05. 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 Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Pinnacle Financial Partners (MIL:1PNFP), the current Scaled Net Operating Assets is 0.05 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 (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:

  • Scaled Net Operating Assets: 0.05
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€75.50
Price
€91.48
GF Value