Pinnacle Financial Partners, Inc.

Pinnacle Financial Partners, Inc.

PNFPยทNASDAQ

$97.33

+0.53%
Financial ServicesBanks - Regional

Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides 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 offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.

At a Glance

Live Snapshot
Market Cap$7.48B
EPS8.1500
P/E Ratio11.43
Earnings Date07/21/2026
Pinnacle Financial Partners, Inc.

Pinnacle Financial Partners, Inc. Fair Value Envelope

PNFP ยท NASDAQ

Our analysis suggests that PNFP has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $97.33, this represents a potential HIDDEN relative to our calculated worth for Pinnacle Financial Partners, Inc..

Intrinsic Value
Current Price: $97.33

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$8,045.7B
+ Cash & Equivalents$3.6B
Firm Value$8,049.3B
- Debt$2.5B
Equity Value$8,046.8B
/ Shares Outstanding77,575,457B
DCF Value$103.7K
UNDERVALUED BY 106474%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$1.8B
$3.6B
$7.2B
$14.5B
$28.9B
$57.9B
$115.8B
$231.5B
$463.0B
$926.0B
Maintenance CapEx
-$38.8M
-$77.6M
-$155.2M
-$310.4M
-$620.9M
-$1.2B
-$2.5B
-$5.0B
-$9.9B
-$19.9B
Owner Earnings
$1.8B
$3.5B
$7.1B
$14.2B
$28.3B
$56.6B
$113.3B
$226.5B
$453.1B
$906.1B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$1.6B
$3.0B
$5.6B
$10.4B
$19.3B
$35.7B
$66.1B
$122.4B
$226.6B
$419.7B
Terminal Value represents 88.7% of Enterprise Value