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Upturn AI SWOT - About
PNFP 
Pinnacle Financial Partners Inc (PNFP)
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Upturn Advisory Summary
07/03/2025: PNFP (2-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $118.29
1 Year Target Price $118.29
| 4 | Strong Buy |
| 2 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 50.68% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.14B USD | Price to earnings Ratio 19.13 | 1Y Target Price 118.29 |
Price to earnings Ratio 19.13 | 1Y Target Price 118.29 | ||
Volume (30-day avg) 11 | Beta 1.01 | 52 Weeks Range 76.08 - 131.35 | Updated Date 07/5/2025 |
52 Weeks Range 76.08 - 131.35 | Updated Date 07/5/2025 | ||
Dividends yield (FY) 0.87% | Basic EPS (TTM) 6.16 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.46% | Operating Margin (TTM) 38.55% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 7.77% |
Valuation
Trailing PE 19.13 | Forward PE 15.87 | Enterprise Value 7335220736 | Price to Sales(TTM) 5.48 |
Enterprise Value 7335220736 | Price to Sales(TTM) 5.48 | ||
Enterprise Value to Revenue 7.45 | Enterprise Value to EBITDA - | Shares Outstanding 77556096 | Shares Floating 75564146 |
Shares Outstanding 77556096 | Shares Floating 75564146 | ||
Percent Insiders 1.68 | Percent Institutions 88.26 |
Upturn AI SWOT
Pinnacle Financial Partners Inc
Company Overview
History and Background
Pinnacle Financial Partners was founded in 2000 in Nashville, Tennessee, with a focus on providing distinctive financial services to businesses and individuals. It has grown through organic expansion and strategic acquisitions, becoming a significant player in the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, treasury management, and deposit products, primarily catering to small and medium-sized businesses.
- Retail Banking: Offers retail banking services, including checking accounts, savings accounts, mortgage lending, and wealth management, to individuals and families.
- Wealth Management: Provides wealth management services, including investment management, financial planning, and trust services.
Leadership and Structure
M. Terry Turner is the President and CEO. The organizational structure is based on a regional model with local market leadership teams and a centralized support structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant product, serving businesses of various sizes. Market share data specific to commercial loans in Pinnacle's operating region is not readily available. Competitors include large national banks like Truist, Bank of America, and regional players like Regions Financial.
- Mortgage Lending: Mortgage lending services cater to both retail and commercial clients. Market share data specific to mortgage lending in Pinnacle's operating region is not readily available. Competitors include large national banks like Wells Fargo, JPMorgan Chase, and regional players like Fifth Third Bank.
- Treasury Management Services: Treasury Management Services which includes various banking products. Competitors include large national banks like Wells Fargo, JPMorgan Chase, and regional players like Fifth Third Bank. The market share data is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, technological advancements, and heightened competition. Economic uncertainty significantly impacts the market. Regional banks face pressure from larger national players and fintech companies.
Positioning
Pinnacle positions itself as a relationship-focused bank with a strong understanding of its local markets. Its competitive advantages include personalized service, local decision-making, and a reputation for responsiveness.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast U.S., where Pinnacle primarily operates, is estimated to be in the hundreds of billions of dollars annually. Pinnacle's strategy of focusing on specific markets and customer segments allows it to capture a portion of this large market. Data for Pinnacle's TAM is not readily available.
Upturn SWOT Analysis
Strengths
- Strong regional presence in attractive markets
- Experienced leadership team
- Relationship-focused business model
- Sound asset quality
Weaknesses
- Smaller scale compared to national competitors
- Geographic concentration
- Reliance on key personnel
- Susceptible to regional economic downturns
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Acquisition of smaller banks or financial institutions
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturns in the Southeast
- Regulatory changes
Competitors and Market Share
Key Competitors
- TRU (Truist Financial Corporation)
- RF (Regions Financial Corporation)
- FITB (Fifth Third Bancorp)
Competitive Landscape
Pinnacle Financial Partners competes with larger national and regional banks. Its advantages include a strong regional presence, relationship-focused approach, and local expertise. Disadvantages include smaller scale and geographic concentration.
Major Acquisitions
BNC Bancorp
- Year: 2017
- Acquisition Price (USD millions): 1900
- Strategic Rationale: Expanded Pinnacle's presence into the Carolinas and Virginia.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires up-to-date financial data. Please refer to financial news outlets and stock websites for historical information.
Future Projections: Future projections require up-to-date financial data. Please refer to financial news outlets and stock websites for analyst estimates.
Recent Initiatives: Recent initiatives may include expanding into new markets, launching new digital banking services, and making strategic acquisitions. Check recent press releases.
Summary
Pinnacle Financial Partners is a strong regional bank known for its relationship-focused approach. Its growth has been driven by both organic expansion and acquisitions. Increasing competition and economic fluctuations are key considerations for the company's future performance, but its local expertise and sound asset quality are beneficial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share and financial data are estimates and may not be precise. Investment decisions should be based on thorough research and consultation with a 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 3595 | Website https://www.pnfp.com |
Full time employees 3595 | 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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