Pinnacle Financial Partners, Inc. (PNFP) AI Stock Analysis

Pinnacle Financial Partners, Inc. operates through its subsidiary, Pinnacle Bank, offering a comprehensive suite of banking products and financial services across the United States. Its personal and commercial deposit solutions include savings, checking, money market, and certificate of deposit accounts. The company provides commercial lending for equipment and working capital, commercial real estate loans, installment loans, lines of credit, residential mortgages, home equity loans, and credit cards. In addition, Pinnacle Financial provides wealth management, brokerage, advisory programs, personal trust services, retirement and pension management, insurance agency services, and merger and acquisition advisory.

Revenue expanded at a 5-year CAGR of 19.5% from FY2020 to FY2025. Annual revenue grew from $1.22B in FY2021 to $2.92B in FY2025, rising 2.4% in FY2025 after a 15.3% increase in FY2024. Operating margin stood at 26.7% in FY2025, compared to 20.4% in FY2024 and 53.6% in FY2021. Annual net income climbed to $642.1M in FY2025, producing an EPS of $8.41. In the trailing twelve months ended June 30, 2026, revenue reached $3.30B with an operating margin of 47.0%. For the latest quarter ended June 30, 2026, quarterly revenue growth accelerated by 137.0% year-over-year, while quarterly earnings grew 3.5%.

As of June 30, 2026, Pinnacle Financial held $25.80B in cash and short-term investments against total debt of $11.10B, leaving net cash of $14.70B. Total assets stood at $129.06B, supported by shareholders' equity of $14.83B, resulting in a debt-to-equity ratio of 0.75 and a current ratio of 0.76. In FY2025, operating cash flow reached $759.0M, funding $93.8M in capital expenditures to generate $665.2M in free cash flow. Capital returns in FY2025 included $89.9M paid in dividends and $21.1M in share buybacks.

At a share price of $94.72, Pinnacle Financial has a market capitalization of $14.31B and trades at a trailing P/E of 13.0x, above the 12.1x median of its US-listed Financial Services peers. However, its forward P/E of 8.2x sits below the peer median of 10.8x. The stock trades at a price-to-book ratio of 1.0x, a price-to-sales multiple of 4.3x, and an EV-to-revenue ratio of 7.8x. Over the past year, the stock returned 13.8%, trailing the 16.8% return of the S&P 500, while its 5-year return of 0.9% compares to 83.0% for the index.

Pinnacle Financial pays an annual forward dividend of $2.00 per share, representing a dividend yield of 2.11%. The dividend has been paid for 14 consecutive years and has grown at an annualized rate of 8.4% over 5 years. With a payout ratio of 18.5%, distributions remain supported by earnings.

Wall Street coverage includes 13 Strong Buy, 5 Buy, and 4 Hold ratings, with zero Sell recommendations. The consensus mean price target is $118.86, representing an upside of 25.5% from the last close of $94.72. For the fiscal year ending December 31, 2026, analysts estimate EPS of $10.21 on revenue of $5.05B. Pinnacle Financial has beaten EPS estimates in 3 of the last 4 quarters, with the next earnings announcement scheduled for October 21, 2026.

This page is an AI-written research summary of Pinnacle Financial Partners, Inc. (PNFP). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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