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Upturn AI SWOT - About
PNFP 
Pinnacle Financial Partners Inc (PNFP)
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Upturn Advisory Summary
10/24/2025: PNFP (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $107.77
1 Year Target Price $107.77
| 4 | Strong Buy |
| 2 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.06% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.85B USD | Price to earnings Ratio 11.26 | 1Y Target Price 107.77 |
Price to earnings Ratio 11.26 | 1Y Target Price 107.77 | ||
Volume (30-day avg) 11 | Beta 1.02 | 52 Weeks Range 81.16 - 130.99 | Updated Date 10/24/2025 |
52 Weeks Range 81.16 - 130.99 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 1.08% | Basic EPS (TTM) 7.84 |
Earnings Date
Report Date 2025-10-15 | When After Market | Estimate 2.04 | Actual 2.27 |
Profitability
Profit Margin 33.06% | Operating Margin (TTM) 42.7% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 9.44% |
Valuation
Trailing PE 11.26 | Forward PE 10.2 | Enterprise Value 6315320832 | Price to Sales(TTM) 3.63 |
Enterprise Value 6315320832 | Price to Sales(TTM) 3.63 | ||
Enterprise Value to Revenue 5.63 | Enterprise Value to EBITDA - | Shares Outstanding 77559967 | Shares Floating 75571677 |
Shares Outstanding 77559967 | Shares Floating 75571677 | ||
Percent Insiders 1.73 | Percent Institutions 87.35 |
Upturn AI SWOT
Pinnacle Financial Partners Inc
Company Overview
History and Background
Pinnacle Financial Partners, Inc. was founded in November 2000 in Nashville, Tennessee. It aimed to provide a different kind of financial experience focused on advice, service, and client relationships. The company has grown through organic expansion and strategic acquisitions, becoming a leading financial institution in the Southeast.
Core Business Areas
- Commercial Banking: Offers a range of financial solutions for businesses, including lending, treasury management, and deposit services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
- Mortgage Services: Originate mortgages for consumers in their markets.
Leadership and Structure
M. Terry Turner is the President and CEO. The company operates with a regional structure, with teams focused on specific markets and client segments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes such as working capital, equipment financing, and real estate. Market share data is difficult to pinpoint exactly, but Pinnacle is a major player in the Southeast region, competing with larger national and regional banks. Competitors include Truist, Regions, and Fifth Third Bank.
- Treasury Management Services: Solutions that help businesses manage their cash flow and optimize their financial operations. Market share data is generally not disclosed. Competitors are similar to commercial loans: Truist, Regions, and Fifth Third Bank.
- Mortgages: Residential mortgages for consumers. Market share is regional. Competitors include national mortgage lenders like Rocket Mortgage and local banks/credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological disruption. Banks are competing for deposits and loans in a dynamic environment.
Positioning
Pinnacle Financial Partners positions itself as a relationship-focused bank, emphasizing personalized service and local expertise. This differentiates it from larger, more impersonal national banks.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast US is estimated to be in the hundreds of billions of dollars. Pinnacle is well-positioned to capture a growing share of this market through its relationship-focused approach and strong regional presence.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in the Southeast
- Experienced management team
- Relationship-focused approach
- Solid financial performance
Weaknesses
- Geographic concentration in the Southeast
- Smaller scale compared to national banks
- Reliance on interest income
- Potential compliance costs
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
- Potential acquisitions of smaller banks
Threats
- Increasing competition from national banks and fintech companies
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU
- FITB
- RF
Competitive Landscape
Pinnacle's advantage lies in its strong customer relationships and local market knowledge. Disadvantages include smaller size and limited geographic reach compared to larger competitors.
Major Acquisitions
BNC Bancorp
- Year: 2017
- Acquisition Price (USD millions): 1900
- Strategic Rationale: Expanded Pinnacle's presence into the Carolinas and Virginia, significantly increasing its market share and asset base.
Growth Trajectory and Initiatives
Historical Growth: Detailed financial data is needed to fill this section. This section will discuss Pinnacle Financial Partners Inc's growth trends over the past years.
Future Projections: Detailed financial data is needed to fill this section. This section will provide projections for Pinnacle Financial Partners Inc's future growth based on analyst estimates.
Recent Initiatives: Detailed information is needed to fill this section. This section will highlight recent strategic initiatives undertaken by Pinnacle Financial Partners Inc.
Summary
Pinnacle Financial Partners is a strong regional bank with a solid reputation and a focus on customer relationships. Its growth has been fueled by both organic expansion and strategic acquisitions. Challenges include increasing competition and the need to manage interest rate risk. Overall the company is well positioned for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise. Investment decisions should be made based on individual circumstances and after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pinnacle Financial Partners Inc
Exchange NASDAQ | Headquaters Nashville, TN, United States | ||
IPO Launch date 2000-08-22 | President, CEO & Director Mr. Michael Terry Turner | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3657 | Website https://www.pnfp.com |
Full time employees 3657 | Website https://www.pnfp.com | ||
Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loan; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.
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