PNFP
Pinnacle Financial Partners, Inc.
Next earnings Jul 22, 2026 · consensus $2.55 EPS, $1.27B rev
Last earnings -1.7% on 2026-04-22
$101.04
▲ +2.37%$101.04▼ -4.57%
over 1Y
L $81.69EODHDH $117.78
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.4%
1W+4.7%
1M+3.1%
3M+22.4%
YTD+7.3%
1Y-4.6%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 25 analysts
Buy
Cheap, fast-growing Southeast bank (EPS +35%, 11.9x P/E) — but a consummated Merger makes this an event-driven situation.
Net income (FY2025) $642M · FY2025
The read
Middling fundamentals offset by an attractive price (~204% below fair value) — worth a look on the value angle.
Pinnacle Financial is a fast-growing Southeastern regional bank that delivered strong FY2025 results: net income rose 35.1% to $642M and diluted EPS climbed 35.4% to $8.07, rebounding well above FY2024's $475M. Total assets grew 9.7% to $57.7B and stockholders' equity 9.5% to $7.04B, with retained earnings up 17.4% to $3.73B. On a standalone basis the valuation looks inexpensive — at $96.12 the stock trades at just 11.9x EPS — for a bank compounding deposits and loans across a nine-state, 141-office footprint (Tennessee, the Carolinas, Virginia, Georgia and others).
Financials · annual, by fiscal year
| Line item | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | — | — | — |
| Gross profit | — | — | — |
| Operating income | — | — | — |
| Net income | $562M | $475M | $642M |
| Diluted EPS | $7.14 | $5.96 | $8.07 |
| Net margin | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF11.6
PEG (trailing)0.36
Earnings yield8.2%
FCF yield8.7%
Quality & risk
ROIC (est.)—
Free cash flow$679M
Total debt—
Net cash$3.57B
Capital returns
Buyback yield—
Dividend yield (est.)1.0%
Shareholder yield1.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRoutine disclosure cadence — no material red flags in recent filings.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-082026-06-08open ↗4Period ending 2026-05-272026-05-28open ↗8-KPeriod ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗4Period ending 2026-05-212026-05-22open ↗
Frequently asked
- Is Pinnacle Financial Partners, Inc. (PNFP) a buy?
- PNFP currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Cheap, fast-growing Southeast bank (EPS +35%, 11.9x P/E) — but a consummated Merger makes this an event-driven situation.
- What is PNFP's fair value?
- A Modified-Graham model based on PNFP's SEC fundamentals estimates a fair value of about $306.66. It is an estimate from reported earnings, not a price target.
- Is PNFP overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, PNFP currently appears undervalued relative to its SEC-grounded earnings power.
- What is Pinnacle Financial Partners, Inc.'s quality score?
- PNFP scores 80.76470588235294/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0002082866, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/21/2026, 8:44:37 PM.
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