PNFP Valuation

Pinnacle Financial Partners Inc

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97.480

+0.01(0.010%)1D

Overview
Forecast
Valuation
Earnings

PNFP Relative Valuation

PNFP's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PNFP is overvalued; if below, it's undervalued.

Historical Valuation

Pinnacle Financial Partners Inc (PNFP) is now in the Fair zone, suggesting that its current forward PE ratio of 11.50 is considered Fairly compared with the five-year average of 12.20. The fair price of Pinnacle Financial Partners Inc (PNFP) is between 89.55 to 122.33 according to relative valuation methord.

Relative Value

Fair Zone

89.55-122.33

Current Price：97.47

Fair

11.50

Trailing

Forward

0.00

EV/EBITDA

Pinnacle Financial Partners Inc. (PNFP) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Pinnacle Financial Partners Inc. (PNFP) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.26

Pinnacle Financial Partners Inc. (PNFP) has a current PS of 2.26. The 5-year average PS is 3.84. The thresholds are as follows: Strongly Undervalued below 2.01, Undervalued between 2.01 and 2.92, Fairly Valued between 4.75 and 2.92, Overvalued between 4.75 and 5.66, and Strongly Overvalued above 5.66. The current Forward PS of 2.26 falls within the Undervalued range.

0.00

P/OCF

Pinnacle Financial Partners Inc. (PNFP) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Pinnacle Financial Partners Inc. (PNFP) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Pinnacle Financial Partners Inc (PNFP) has a current Price-to-Book (P/B) ratio of 1.17. Compared to its 3-year average P/B ratio of 1.12 , the current P/B ratio is approximately 4.40% higher. Relative to its 5-year average P/B ratio of 1.18, the current P/B ratio is about -0.83% higher. Pinnacle Financial Partners Inc (PNFP) has a Forward Free Cash Flow (FCF) yield of approximately 10.33%. Compared to its 3-year average FCF yield of 8.41%, the current FCF yield is approximately 22.80% lower. Relative to its 5-year average FCF yield of 8.37% , the current FCF yield is about 23.44% lower.

1.17

P/B

Median3y

1.12

Median5y

1.18

10.33

FCF Yield

Median3y

8.41

Median5y

8.37

Competitors Valuation Multiple

The average P/S ratio for PNFP's competitors is 3.43, providing a benchmark for relative valuation. Pinnacle Financial Partners Inc Corp (PNFP) exhibits a P/S ratio of 2.26, which is -34.00% above the industry average. Given its robust revenue growth of 37.76%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PNFP.O

Pinnacle Financial Partners Inc

Synovus Financial Corp

Commerce Bancshares Inc

Cullen/Frost Bankers Inc

Prosperity Bancshares Inc

4.78

0.35%

6.54B

Performance Decomposition

Market capitalization of PNFP decreased by 0.30% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 15.30 to 33.11.

The secondary factor is the Revenue Growth, contributed 37.76%to the performance.

Overall, the performance of PNFP in the past 1 year is driven by Margin Expansion. Which is more sustainable.

37.76%

347.54M → 478.76M

Revenue Growth

116.41%

15.30 → 33.11

Margin Expansion

-154.47%

-23.83 → 12.98

P/E Change

-0.30%