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PNFP 
Pinnacle Financial Partners, Inc. (PNFP)
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Upturn Advisory Summary
12/29/2025: PNFP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $112.77
1 Year Target Price $112.77
| 4 | Strong Buy |
| 2 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 24.74% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.71B USD | Price to earnings Ratio 12.86 | 1Y Target Price 112.77 |
Price to earnings Ratio 12.86 | 1Y Target Price 112.77 | ||
Volume (30-day avg) 11 | Beta 1.06 | 52 Weeks Range 80.93 - 126.60 | Updated Date 12/29/2025 |
52 Weeks Range 80.93 - 126.60 | Updated Date 12/29/2025 | ||
Dividends yield (FY) 0.93% | Basic EPS (TTM) 7.73 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 12.86 | Forward PE 10.91 | Enterprise Value 7155203072 | Price to Sales(TTM) 4.09 |
Enterprise Value 7155203072 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 5.84 | Enterprise Value to EBITDA - | Shares Outstanding 77575457 | Shares Floating 75578939 |
Shares Outstanding 77575457 | Shares Floating 75578939 | ||
Percent Insiders 1.72 | Percent Institutions 87.93 |
Upturn AI SWOT
Pinnacle Financial Partners, Inc.
Company Overview
History and Background
Pinnacle Financial Partners Inc. was founded in 2000 in Nashville, Tennessee. The company has grown through a combination of organic expansion and strategic acquisitions, establishing itself as a leading financial institution in its markets. It has consistently focused on building strong client relationships and offering a high level of personalized service, differentiating itself from larger, national banks.
Core Business Areas
- Commercial Banking: Provides a comprehensive suite of lending and deposit products for businesses, including commercial real estate loans, commercial and industrial loans, lines of credit, and treasury management services. Focuses on middle-market businesses.
- Treasury Management: Offers sophisticated cash management solutions designed to help businesses optimize their cash flow, improve efficiency, and reduce risk. Services include remote deposit capture, payroll services, and fraud protection.
- Wealth Management: Delivers a range of financial planning, investment management, and trust services for individuals and businesses. This includes retirement planning, estate planning, and customized investment portfolios.
- Consumer Banking: Provides a full spectrum of personal banking services, including checking and savings accounts, mortgages, personal loans, and credit cards, catering to the financial needs of individuals and families.
Leadership and Structure
Pinnacle Financial Partners Inc. is led by a seasoned management team with extensive experience in the financial services industry. The company operates with a decentralized model, empowering local market leaders to make decisions that best serve their clients and communities. This structure fosters agility and client-centricity.
Top Products and Market Share
Key Offerings
- Commercial Lending: This is a core offering encompassing various loan products for businesses. While specific market share for this product is difficult to isolate nationally, Pinnacle is a significant player in its regional markets. Competitors include national banks (e.g., JPMorgan Chase, Bank of America), regional banks (e.g., Truist, PNC), and community banks.
- Treasury Management Services: A vital service for business clients, enhancing client stickiness. Market share data is typically proprietary, but Pinnacle competes with larger financial institutions and specialized treasury management providers. Key competitors include major commercial banks.
- Wealth Management Services: This segment serves individuals and businesses with financial planning and investment solutions. Competitors include independent wealth advisors, large brokerage firms (e.g., Merrill Lynch, Edward Jones), and other banks' wealth management divisions.
Market Dynamics
Industry Overview
The US banking industry is characterized by intense competition, evolving regulatory landscapes, and increasing digitalization. Traditional community banks, regional banks, and large national institutions all vie for market share. Trends include a focus on digital banking, personalized client experiences, and the integration of wealth management services.
Positioning
Pinnacle Financial Partners Inc. positions itself as a relationship-driven community bank with the capabilities of a larger institution. Its competitive advantages lie in its strong client focus, experienced bankers, agile decision-making, and deep market knowledge in its operating regions. It emphasizes personalized service and tailored financial solutions, particularly for the middle market.
Total Addressable Market (TAM)
The TAM for banking services in the United States is vast, encompassing all individuals and businesses requiring financial products and services. This includes deposit accounts, loans, mortgages, wealth management, and treasury services. Pinnacle Financial Partners Inc. targets specific high-growth metropolitan areas, effectively addressing a significant portion of the TAM within its chosen markets. Its focus on relationship banking and middle-market clients allows it to capture substantial value within its operational footprint.
Upturn SWOT Analysis
Strengths
- Strong client relationships and high customer retention.
- Experienced and entrepreneurial banking teams.
- Agile decision-making due to decentralized structure.
- Focus on attractive, high-growth markets.
- Solid reputation for service quality.
Weaknesses
- Limited geographic diversification compared to national banks.
- Potential challenges in scaling rapidly without compromising service.
- Dependence on key personnel in local markets.
- Smaller overall brand recognition compared to national behemoths.
Opportunities
- Expansion into new attractive metropolitan areas.
- Leveraging technology to enhance digital offerings and efficiency.
- Growing wealth management and non-interest income streams.
- Acquisitions to accelerate growth and market penetration.
- Increased demand for specialized commercial lending solutions.
Threats
- Intensifying competition from traditional banks and fintechs.
- Rising interest rates impacting loan demand and net interest margin.
- Economic downturns affecting credit quality and loan growth.
- Cybersecurity threats and data breaches.
- Regulatory changes and compliance costs.
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- PNC Financial Services Group, Inc. (PNC)
- First Horizon Corporation (FHN)
Competitive Landscape
Pinnacle Financial Partners Inc. competes in a fragmented banking landscape. Its ability to offer personalized service and build strong relationships is a key differentiator against larger, less personal national banks. Regional competitors offer a similar scope of services, but Pinnacle's strong local market focus and entrepreneurial culture often give it an edge in client acquisition and retention within its chosen markets.
Major Acquisitions
Sycamore Bank
- Year: 2021
- Acquisition Price (USD millions): 176
- Strategic Rationale: Acquisition of Sycamore Bank expanded Pinnacle's presence in the lucrative Memphis market, strengthening its commercial banking and wealth management capabilities in that region.
Premier Financial Corp.
- Year: 2023
- Acquisition Price (USD millions): 300
- Strategic Rationale: Acquisition of Premier Financial Corp. expanded Pinnacle's footprint into the Florida market, adding significant deposit and loan balances, and strengthening its commercial banking and treasury management offerings in a high-growth state.
Growth Trajectory and Initiatives
Historical Growth: Pinnacle Financial Partners Inc. has experienced significant historical growth, driven by its strategic expansion into new markets and its focus on client acquisition and retention. Its growth has been characterized by both organic development and well-integrated acquisitions.
Future Projections: Analyst projections generally indicate continued revenue and earnings growth for Pinnacle Financial Partners Inc., driven by expansion in its core markets, increasing contributions from fee-based services, and potential further strategic acquisitions. (Note: Specific future projections require current analyst reports.)
Recent Initiatives: Recent initiatives have likely included further market expansion, investments in digital banking capabilities, strengthening its wealth management division, and ongoing efforts to enhance its treasury management offerings. Acquisitions, if any, would also be a key initiative. (Note: Specific recent initiatives require up-to-date company announcements.)
Summary
Pinnacle Financial Partners Inc. is a well-positioned regional bank with a strong track record of growth and profitability. Its relationship-driven model, focus on attractive markets, and efficient operations are key strengths. The company should continue to monitor competitive pressures from larger banks and fintechs, manage interest rate risks, and prudently execute its expansion and acquisition strategies to maintain its upward trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC EDGAR)
- Financial Data Aggregators (e.g., Bloomberg, Refinitiv)
- Industry Analyst Reports
- Company Press Releases
Disclaimers:
This analysis is based on publicly available information and historical data. It is intended for informational purposes only and does not constitute financial advice. Market conditions, company performance, and future projections can change. Investors should conduct their own due diligence before making any investment decisions.
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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