PNFP
Pinnacle Financial Partners Inc
$99.89
▲ 0.4%Updated Today 12:11 PM ET
PNFP at a glance — five pillars scored 0–100 from real filed financials.
Overall: Strong · 84/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 15.2% over the last 12 months
Market Cap
$15.04B
P/E
23.08x
Forward P/E (est.)
19.73x
ROE
7.4%
Revenue Growth
82.7%
EPS Growth
17.0%
Profit Margin
35.6%
FCF Yield
8.8%
Debt / Equity
0.11x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
2.0%
Implied Growth (rev. DCF)
4.3%
Rating Score
84/100
Pinnacle Financial Partners Inc (PNFP) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $15.04B.
Our model rates PNFP Strong (84/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what PNFP's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. PNFP trades near $99.89, above its 50-day average ($97.18) and 200-day average ($93.80). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 63 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. PNFP's is $2.58 (~2.6% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month PNFP found buyers near $91.74 (support) and sellers near $102.61 (resistance); its 52-week range is $81.08–$120.46. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.1× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$186.10
Current price
$99.89
Starting FCF (latest 10-K)
$679.08M
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
The case for PNFP:
- Revenue is growing 82.7% a year, a sign of real demand.
- High net margins (35.6%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~8.8%) funds buybacks and dividends.
- A conservative balance sheet (debt/equity 0.1x) lowers risk.
- Pays a 2.0% dividend on top of any price gains.
- Our model's overall read is Strong (84/100).
The case against PNFP:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Pinnacle Financial Partners Inc is a large-cap financials business still growing nicely, with solid profitability, and a sound balance sheet. It trades at 23.1x earnings, which our model scores Strong (84/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
PNFP — frequently asked questions
Is PNFP a good stock to buy?
We don't give buy or sell advice. Our model rates Pinnacle Financial Partners Inc Strong (84/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is PNFP's rating on The Stocks School?
Pinnacle Financial Partners Inc currently scores 84/100 (Strong) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does PNFP's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Pinnacle Financial Partners Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for PNFP calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this PNFP analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell PNFP. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.