Pinnacle Financial Partners, Inc.(PNFP) Stock Research - Grey Stern Research
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Pinnacle Financial Partners, Inc. (PNFP) Stock Analysis

$92.72 (-0.73%)

PNFP Financial Performance


Use the table below to view Pinnacle Financial Partners, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q4 - 2023

Metric Value Ranking among Peers
Price $93.40 -
52 Week Low $59.66 -
52 Week High $100.76 -
Market Cap $7.2 Billion 1/5
Gross Margin 100% 1/5
Profit Margin 8% 5/5
EBITDA margin 0% 4/5
Q4 - 2023 Revenue $683.6 Million 1/5
Q4 - 2023 Earnings $53.2 Million 3/5
Q4 - 2023 Free Cash Flow $0 Million 3/5
Trailing 4 Quarters Revenue $2.4 Billion 1/5
Trailing 4 Quarters Earnings $404.7 Million 1/5
Quarterly Earnings Growth -73% 5/5
Annual Earnings Growth -34% 5/5
Quarterly Revenue Growth 48% 4/5
Annual Revenue Growth 51% 1/5
Cash On Hand $270.0 Million 4/5
Short Term Debt $220.9 Million 3/5
Long Term Debt $2.5 Billion 1/5

Pinnacle Financial Partners, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Pinnacle Financial Partners, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 17.83 3/5
PS 2.97 4/5
PB 1.17 2/5
PC -26.71 5/5
Liabilities to Equity 7.00 3/5
ROA 0.01 2/5
ROE 0.07 2/5
Current Ratio 1.14 3/5
Quick Ratio -0.01 2/5
Long Term Debt to Equity 0.41 2/5
Debt to Equity 0.45 3/5
Burn Rate -2.61 3/5
Cash to Cap -0.04 2/5
CCR 3/5
EV to EBITDA 6531.26 1/5
EV to Revenue 4.22 3/5

Company Details

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: Mr. M. Terry Turner

Website: https://www.pnfp.com

Address: 150 3rd Ave S Ste 900 Nashville, TENNESSEE

Exchange: NASDAQ Global Select

Industry: Banks—Regional

Pinnacle Financial Partners, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Pinnacle Financial Partners, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Home Bancshares, Inc. (Conway, AR) HOMB $5.2 Billion
United Community Banks, Inc. UCBI $3.3 Billion
Texas Capital Bancshares, Inc. TCBI $3.2 Billion
Renasant Corporation RNST $2.0 Billion
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
PNFP Income Statements
Quarter Year Revenue Earnings
Q2 2024 $ 683.6 Million $53.2 Million
Q1 2024 $ 650.5 Million $123.9 Million
Q4 2023 $ 709.2 Million $95.0 Million
Q3 2023 $ 383.0 Million $132.6 Million
Q2 2023 $ 462.3 Million $197.3 Million
Q1 2023 $ 382.7 Million $137.3 Million
Q4 2022 $ 380.8 Million $137.8 Million
Q3 2022 $ 371.8 Million $144.9 Million

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PNFP Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q2 2024 $270.0 Million $49.4 Billion $2.8 Billion $6.2 Billion
Q1 2024 $175.8 Million $48.9 Billion $0 $6.1 Billion
Q4 2023 $315.5 Million $48.0 Billion $2.8 Billion $6.0 Billion
Q3 2023 $3.1 Billion $47.5 Billion $2.5 Billion $5.8 Billion
Q2 2023 $3.8 Billion $46.9 Billion $2.6 Billion $5.8 Billion
Q1 2023 $2.8 Billion $45.1 Billion $2.6 Billion $5.7 Billion
Q4 2022 $1.1 Billion $42.0 Billion $888.5 Million $5.5 Billion
Q3 2022 $168.0 Million $41.0 Billion $0 $5.3 Billion

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PNFP Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q1 2024 $174.1 Million -$17.3 Million $476.0 Million
Q4 2023 $3.5 Million $0 $3.5 Million
Q3 2023 $0 $0 $0
Q2 2023 -$121.6 Million -$11.0 Million $1.0 Billion
Q1 2023 $324.4 Million -$35.5 Million $1.6 Billion
Q4 2022 $87.8 Million -$16.9 Million -$626.1 Million
Q3 2022 $300.0 Million $0 $171.6 Million
Q2 2022 $148.1 Million $0 -$1.7 Billion

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