US · PNFP
Pinnacle Financial Partners, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Nashville, TN 37201
- Website
- pnfp.com
Price · as of 2024-12-31
$98.64
Market cap 6.98B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $55.99 | -43.24% |
| Intrinsic Value(DCF) | $91.32 | -7.42% |
| Graham-Dodd Method(GD) | $74.48 | -24.49% |
| Graham Formula(GF) | $142.04 | +43.99% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $13.65 | $22.61 | $15.68 | $7.34 | $0.00 |
| 2011 | $15.16 | $48.81 | $18.68 | $18.29 | $0.00 |
| 2012 | $20.49 | $46.54 | $19.46 | $18.07 | $12.88 |
| 2013 | $32.31 | $56.69 | $21.13 | $21.24 | $21.47 |
| 2014 | $39.28 | $56.84 | $23.25 | $21.33 | $32.42 |
| 2015 | $44.04 | $50.95 | $30.96 | $25.03 | $78.73 |
| 2016 | $61.34 | $62.45 | $40.40 | $28.12 | $137.71 |
| 2017 | $62.66 | $58.41 | $118.11 | $34.99 | $193.92 |
| 2018 | $52.62 | $51.12 | $419.27 | $42.46 | $246.56 |
| 2019 | $47.72 | $39.27 | $229.01 | $49.67 | $111.98 |
| 2020 | $86.91 | $44.77 | $49.06 | $50.30 | $35.27 |
| 2021 | $90.47 | $47.86 | $83.26 | $67.14 | $66.17 |
| 2022 | $57.79 | $39.98 | $74.18 | $69.00 | $254.25 |
| 2023 | $81.81 | $51.74 | $110.49 | $75.52 | $483.13 |
| 2024 | $105.26 | $55.99 | $100.25 | $74.48 | $142.04 |
AI valuation
Our deep-learning model estimates Pinnacle Financial Partners, Inc.'s (PNFP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $55.99
- Current price
- $98.64
- AI upside
- -43.24%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$91.32
-7.42% upside
Graham-Dodd
$74.48
-24.49% upside
Graham Formula
$142.04
+43.99% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PNFP | Pinnacle Financial Partne… | $98.64 | 6.98B | -43% | -7% | -24% | +44% | 16.94 | 1.25 | 2.82 | 2.43 | — | 1.76 | 49.08% | 20.37% | 16.65% | 7.62% | 39.84% | 0.94% | 0.39 | 0.44 | 0.21 | 0.21 | -1.19 | -1653.00% | 1532.00% | 10175.00% | 10.03% | 0.02 | 67.70% | 1.05% | 17.70% | 19.13% | 2.85 | 2.05 | 0.58 | -0.50 |
| BOKF | BOK Financial Corporation | $125.72 | 7.95B | -22% | -8% | -28% | -46% | 13.54 | 1.32 | 2.35 | 6.82 | 106.00 | 1.62 | 63.74% | 21.39% | 17.38% | 10.08% | -147.87% | 1.13% | 0.78 | 0.59 | 0.17 | 0.16 | 3.75 | 1278.00% | -107.00% | -5976.00% | 7.35% | 0.01 | -147.27% | 1.88% | 25.50% | 7.72% | 7.61 | 9.40 | 1.63 | -0.65 |
| BPOP | Popular, Inc. | $135.36 | 9.03B | -48% | +66% | -47% | +21% | 10.59 | 1.16 | 1.55 | -20.08 | 76.56 | 1.39 | 60.67% | 19.01% | 14.66% | 11.42% | -3.43% | 0.85% | 0.23 | 0.57 | 0.38 | 0.38 | -6.41 | 1383.00% | 1148.00% | -361.00% | 7.09% | 0.01 | -2.58% | 2.77% | 29.40% | 6.06% | -21.59 | -37.29 | -4.11 | -0.43 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| CBSH | Commerce Bancshares, Inc. | $50.99 | 7.51B | -38% | +5% | -40% | -18% | 12.59 | 1.90 | 3.36 | 0.38 | 232.07 | 1.98 | 80.00% | 34.20% | 26.46% | 16.07% | -12.17% | 1.76% | 0.79 | 1.97 | — | — | 2.86 | 543.00% | 223.00% | 1141.00% | 8.24% | — | -12.63% | 2.09% | 26.30% | 4.98% | 0.40 | 0.49 | 0.14 | 0.65 |
| COLB | Columbia Banking System, … | $28.45 | 6.77B | +47% | +392% | +8% | +6% | 15.60 | 1.09 | 2.67 | 13.30 | — | 1.52 | 67.66% | 23.38% | 17.11% | 8.49% | 6.27% | 0.93% | 0.49 | 0.82 | 0.01 | 0.01 | 3.72 | -980.00% | 835.00% | 1970.00% | 8.70% | 0.02 | 8.24% | 0.00% | 0.00% | 0.00% | 15.85 | 15.96 | 3.71 | -0.63 |
| FNB | F.N.B. Corporation | $16.99 | 6.07B | +215% | -15% | -26% | +20% | 10.94 | 0.92 | 2.30 | 5.80 | 47.93 | 1.46 | 62.31% | 24.84% | 20.98% | 8.66% | 11.74% | 1.14% | 0.58 | 0.72 | 1.01 | 0.99 | 2.12 | 2283.00% | 494.00% | -2525.00% | 6.08% | 0.01 | 7.81% | 2.81% | 30.80% | 10.55% | 5.80 | 10.32 | 1.44 | 0.26 |
| PB | Prosperity Bancshares, In… | $70.37 | 6.86B | -39% | +3% | +3% | -35% | 12.35 | 0.88 | 3.86 | -2.16 | 93.07 | 1.65 | 71.88% | 39.90% | 31.23% | 7.21% | -36.05% | 1.39% | 0.28 | 1.42 | 0.81 | 5.02 | 2.17 | 1327.00% | -23.00% | 2169.00% | 8.20% | 0.26 | -36.49% | 0.00% | 0.00% | 0.00% | -2.65 | -3.34 | -1.06 | 0.36 |
| SNV | Synovus Financial Corp. | $50.05 | 6.95B | -44% | -10% | -55% | -38% | 13.65 | 1.25 | 1.91 | -3.19 | — | 1.38 | 53.84% | 17.67% | 14.09% | 9.25% | -10.56% | 0.80% | 0.36 | 0.42 | 0.22 | 0.22 | -1.67 | -1243.00% | 116.00% | -3883.00% | 11.69% | 0.02 | -16.85% | 3.99% | 54.40% | 9.99% | -3.50 | -2.77 | -0.62 | -0.57 |
| VLY | Valley National Bancorp | $12.61 | 7.03B | +60% | -14% | +27% | -49% | 11.99 | 0.92 | 2.05 | 8.68 | 25.85 | 1.23 | 53.94% | 21.30% | 17.12% | 7.85% | 7.43% | 0.94% | 0.49 | 0.51 | 10.26 | 10.26 | 4.69 | 4638.00% | -221.00% | -2652.00% | 5.62% | 0.87 | 5.01% | 0.00% | 0.00% | 0.88% | 8.68 | 16.01 | 1.85 | 0.29 |
About Pinnacle Financial Partners, Inc.
Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance agency services primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.
- CEO
- Kevin S. Blair
- Employees
- 3.6K
- Beta
- 1.01
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($91.32 ÷ $98.64) − 1 = -7.42% (DCF, example).