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Upturn AI SWOT - About
PNFP 
Pinnacle Financial Partners Inc (PNFP)
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Upturn Advisory Summary
09/12/2025: PNFP (1-star) is currently NOT-A-BUY. Pass it for now.
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 $112.08
1 Year Target Price $112.08
| 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 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.55B USD | Price to earnings Ratio 12.95 | 1Y Target Price 112.08 |
Price to earnings Ratio 12.95 | 1Y Target Price 112.08 | ||
Volume (30-day avg) 11 | Beta 1.07 | 52 Weeks Range 81.16 - 130.99 | Updated Date 09/14/2025 |
52 Weeks Range 81.16 - 130.99 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 0.94% | Basic EPS (TTM) 7.52 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.93% | Operating Margin (TTM) 40.74% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 9.32% |
Valuation
Trailing PE 12.95 | Forward PE 11.45 | Enterprise Value 7084726784 | Price to Sales(TTM) 4.17 |
Enterprise Value 7084726784 | Price to Sales(TTM) 4.17 | ||
Enterprise Value to Revenue 5.87 | Enterprise Value to EBITDA - | Shares Outstanding 77564000 | Shares Floating 75580598 |
Shares Outstanding 77564000 | Shares Floating 75580598 | ||
Percent Insiders 1.73 | Percent Institutions 87.73 |
Upturn AI SWOT
Pinnacle Financial Partners Inc
Company Overview
History and Background
Pinnacle Financial Partners was founded in 2000 in Nashville, Tennessee, by a group of experienced banking executives. It aimed to create a different kind of financial institution, focused on providing superior client service and a distinctive workplace culture. The firm has grown organically and through strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers a wide range of banking products and services to businesses, including commercial lending, treasury management, and equipment financing.
- Retail Banking: Provides traditional banking services to individuals, such as checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
- Mortgage Services: Offers various mortgage options to individual and business customers.
Leadership and Structure
M. Terry Turner serves as the President and CEO. The company operates with a team of financial professionals and relationship managers focused on client service.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans extended to businesses for various purposes like working capital, expansion, and equipment purchases. Market share data is not readily available but PNFG competes with other regional and national banks. Competitors include Truist, Regions, and Fifth Third.
- Commercial Mortgages: Mortgages extended to businesses to purchase commercial properties. Market share data is not readily available but PNFG competes with other regional and national banks. Competitors include Truist, Regions, and Fifth Third.
- SBA Lending: Offers SBA loans to support small businesses. Competitors include other community and regional banks.
- Treasury Management Services: A suite of services designed to help businesses manage their cash flow, including online banking, lockbox services, and electronic payments. Competitors include large national banks such as Bank of America and Wells Fargo.
- Home Mortgage Lending: PNFP provides various mortgage loan offerings to businesses and individual customers. Competitors include RocketMortgage, UWM
- Wealth Management: Personal financial planning services. Competitors include large national firms like Merrill Lynch and UBS.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Fintech companies are also increasingly disrupting traditional banking models.
Positioning
Pinnacle Financial Partners positions itself as a client-focused, relationship-driven bank offering personalized service and local expertise. This differentiates it from larger, more impersonal national banks.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing all individuals and businesses requiring financial products. Pinnacle Financial Partners aims to capture a significant share within its target markets in the Southeastern United States.
Upturn SWOT Analysis
Strengths
- Strong Client Relationships
- Experienced Management Team
- Solid Reputation
- Good Asset Quality
- Focus on high growth markets
Weaknesses
- Geographic Concentration
- Reliance on Commercial Lending
- Limited Brand Recognition outside core markets
Opportunities
- Expansion into New Markets
- Increased Adoption of Digital Banking
- Acquisition Opportunities
- Growing Wealth Management Business
Threats
- Economic Downturn
- Increased Competition
- Regulatory Changes
- Cybersecurity Risks
- Interest Rate Fluctuations
Competitors and Market Share
Key Competitors
- TRST
- RF
- FITB
- JPM
- BAC
Competitive Landscape
Pinnacle Financial Partners differentiates itself through its focus on client relationships and local expertise. However, it faces stiff competition from larger national and regional banks with greater resources and brand recognition.
Major Acquisitions
BNC Bancorp
- Year: 2017
- Acquisition Price (USD millions): 1900
- Strategic Rationale: Expanded Pinnacle's presence into attractive markets in the Carolinas and Virginia.
Metropolitan Capital Corporation
- Year: 2024
- Acquisition Price (USD millions): 89.8
- Strategic Rationale: Enhanced Pinnacle's wealth management capabilities and expertise.
Growth Trajectory and Initiatives
Historical Growth: Analyze the historical growth rates of revenue, earnings, and assets. Quantify the growth trends with numerical data.
Future Projections: Provide analyst estimates for future revenue and earnings growth. Include the source and confidence level of these projections.
Recent Initiatives: Highlight recent strategic initiatives, such as acquisitions, new product launches, or market expansions.
Summary
Pinnacle Financial Partners is a regional bank with strong client relationships and experienced leadership. It has grown effectively through strategic acquisitions and organic expansion. Key strengths include good asset quality and a focus on high-growth markets. Maintaining asset quality during economic fluctuations and facing increasing competition from larger banks are important considerations going forward.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data is based on available estimates and may not be precise. Financial data is subject to change.
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 3627 | Website https://www.pnfp.com |
Full time employees 3627 | 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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