Pinnacle Financial Partners (PNFP) Stock Price, News & Analysis

Company Overview

Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. The company accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, which includes online wire origination, enhanced ACH origination services, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services. It offers equipment and working capital loans; commercial real estate loans comprising investment properties and business loans; secured and unsecured loans, such as installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. The company also provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, such as personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. In addition, it offers 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 provides telephone and online banking, mobile banking, debit and credit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.

Key Stats

• Today's Range: $107.38 to $110.27
• 50-Day Range: $99.42 to $126.15
• 52-Week Range: $73.62 to $131.91
• Volume: 627,208 shs
• Average Volume: 464,812 shs
• Market Capitalization: $8.50 billion
• P/E Ratio: 18.36
• Dividend Yield: 0.87%
• Price Target: $125.18
• Consensus Rating: Hold

Pinnacle Financial Partners Stock Analysis - MarketRank™

Pinnacle Financial Partners scored higher than 89% of companies evaluated by MarketBeat, and ranked 175th out of 939 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

Pinnacle Financial Partners has received a consensus rating of Hold. The company's average rating score is 2.45, and is based on 5 buy ratings, 6 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Pinnacle Financial Partners has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 14.52%

Earnings Growth

Earnings for Pinnacle Financial Partners are expected to grow by 14.52% in the coming year, from $7.85 to $8.99 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Pinnacle Financial Partners is 18.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pinnacle Financial Partners is 18.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.99.

Price to Book Value per Share Ratio

Pinnacle Financial Partners has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.58% of the float of Pinnacle Financial Partners has been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Financial Partners has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pinnacle Financial Partners has recently decreased by 6.25%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Pinnacle Financial Partners has a dividend yield of 0.91%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pinnacle Financial Partners does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Pinnacle Financial Partners is 16.05%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Pinnacle Financial Partners will have a dividend payout ratio of 10.68% next year. This indicates that Pinnacle Financial Partners will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.5 / 5
• Environmental Score: -0.65

Percentage of Shares Shorted

1.58% of the float of Pinnacle Financial Partners has been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Financial Partners has a short interest ratio ("days to cover") of 2.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pinnacle Financial Partners has recently decreased by 6.25%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.06

News Sentiment

Pinnacle Financial Partners has a news sentiment score of 1.06. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Pinnacle Financial Partners this week, compared to 6 articles on an average week.

MarketBeat Follows

Only 2 people have added Pinnacle Financial Partners to their MarketBeat watchlist in the last 30 days. This is a decrease of -33% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Pinnacle Financial Partners insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $11,421,320.00 in company stock.

Percentage Held by Insiders

Only 1.46% of the stock of Pinnacle Financial Partners is held by insiders.

Percentage Held by Institutions

87.40% of the stock of Pinnacle Financial Partners is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PNFP Stock Analysis - Frequently Asked Questions

How have PNFP shares performed this year?

Pinnacle Financial Partners' stock was trading at $114.39 at the start of the year. Since then, PNFP shares have decreased by 4.0% and is now trading at $109.82.
View the best growth stocks for 2025 here.

How were Pinnacle Financial Partners' earnings last quarter?

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) posted its quarterly earnings results on Tuesday, January, 21st. The financial services provider reported $1.90 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.80 by $0.10. The company's revenue was up 19.9% on a year-over-year basis.

Who are Pinnacle Financial Partners' major shareholders?

Pinnacle Financial Partners' top institutional investors include Vanguard Group Inc. (9.32%), T. Rowe Price Investment Management Inc. (5.40%), Dimensional Fund Advisors LP (3.89%) and FMR LLC (3.89%). Insiders that own company stock include M Terry Turner, Richard D Callicutt II, Robert A Mccabe Jr, Harold R Carpenter, J Harvey White, David B Ingram, Charles E Brock, Joseph C Galante, Gregory L Burns, Glenda Baskin Glover and Charissa D Sumerlin.
View institutional ownership trends.

How do I buy shares of Pinnacle Financial Partners?

Shares of PNFP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pinnacle Financial Partners own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pinnacle Financial Partners investors own include American Water Works (AWK), Waste Connections (WCN), DiamondRock Hospitality (DRH), The RMR Group (RMR), Humana (HUM), AUO (AUOTY) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 1/21/2025
• Ex-Dividend for 2/28 Dividend: 2/07/2025
• Dividend Payable: 2/28/2025
• Today: 3/24/2025
• Next Earnings (Estimated): 4/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PNFP
• CIK: 1115055
• Web: www.pnfp.com
• Phone: (615) 744-3700
• Fax: 615-744-3861
• Employees: 3,240
• Year Founded: 2000

Price Target and Rating

• Average Stock Price Target: $125.18
• High Stock Price Target: $142.00
• Low Stock Price Target: $85.00
• Potential Upside/Downside: +15.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.45
• Research Coverage: 11 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $5.98
• Trailing P/E Ratio: 18.20
• Forward P/E Ratio: 13.86
• P/E Growth: N/A
• Net Income: $475.06 million
• Net Margins: 15.48%
• Pretax Margin: 18.94%
• Return on Equity: 9.04%
• Return on Assets: 1.08%

Debt

• Debt-to-Equity Ratio: 0.37
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $1.52 billion
• Price / Sales: 5.53
• Cash Flow: $6.59 per share
• Price / Cash Flow: 16.52
• Book Value: $80.46 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 77,367,000
• Free Float: 75,801,000
• Market Cap: $8.42 billion
• Optionable: Optionable
• Beta: 1.09