Pinnacle Financial Partners, Inc. (PNFP) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Pinnacle Financial Partners, Inc.

Market cap $15B · 52 weeks $82 – $109 (6 % below the high) · P/E 12.2× · 2027 expected P/E 8.7× · Dividend 1.7 % · Next earnings January 20, 2027 · expected EPS $2.70 · Closing price, Oct 30 · accounts published Oct 21.

• Valuation: P/B 1.1× (justified).
• Business: ROTCE 12.4 % (passes, near the threshold).
• Balance sheet: Capital/assets 12.2 % (solid).
• Earnings: 7 of 8 (on track).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE del 12,4 % (1.3×) $126 (+24 %); at its peers' median (1.3×) $125 (+23 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 3 of 4 pass

• ROA 0.8 %, fails.
• ROTCE 12.4 %, passes, near the threshold.
• Equity / Assets (Tier 1 proxy) 12.2 %, passes.
• P/B (Price / Book) 1.1×, passes.
• Sustainable dividend yield 1.7 %, info.

Against its peers (reference peers) — Pinnacle Financial Partners, Inc.: P/E 12.2×; P/B 1.1×; ROE 8.0 %; $15.4B. Wintrust Financial Corporation (P/E 11.6×; P/B 1.4×; ROE 12.5 %; $10.3B), Western Alliance Bancorporation (P/E 8.4×; P/B 1.1×; ROE 13.1 %; $8.3B), Home Bancshares, Inc. (P/E 12.2×; P/B 1.3×; ROE 10.9 %; $6.0B).

Expensive or cheap against its last ten fiscal years?

Precio / valor contable at each close: today 1.1× · median 1.1× · minimum 0.6× · maximum 2.3× · cheap below 1.0× · expensive above 1.5×. It has been cheaper than today only 34% of the time over its last ten fiscal years.

Dividend

tight (only raised recently) · Yield 1.7 % ($1.17 per share in 2025) · Years raising it 1 · 5-year growth +9 % a year · Free cash flow coverage payout 14 % · With $1,000 invested today you'd collect $17.10 a year ($1.43 a month).