PNFPP Stock Financial Analysis - Pinnacle Financial Partners, Inc.

Overview

Pinnacle Financial Partners, Inc., based in the United States, operates primarily within the financial services industry. The company was founded with the vision to provide client-focused banking, investment, and financial advisory solutions. Pinnacle Financial Partners is renowned for its personal and business banking services, which encompass checking and savings accounts, loans, and wealth management. A notable project in its roster includes the strategic expansion of regional banking services, aiming for amplification in high-growth Southeastern markets, which facilitates enhanced accessibility to comprehensive financial solutions for both individual and corporate clients. This expansion reflects the company's commitment to growth and its focus on strengthening relationships through increased regional support and tailored financial products.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 1,812.79 MM.
The operating income for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 735.87 MM.
The net income for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 596.90 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	1,812.79	735.87	596.90
2025-03-31	1,668.43	606.62	491.52
2024-12-31	1,616.18	587.68	475.06
2024-09-30	1,550.52	533.03	418.78
2024-06-30	1,491.27	520.05	404.69
2024-03-31	1,612.42	701.20	548.83
2023-12-31	1,601.78	721.41	562.15
2023-09-30	1,598.72	767.72	605.02
2023-06-30	1,600.61	783.65	621.08
2023-03-31	1,520.23	719.18	568.90
2022-12-31	1,477.49	705.58	560.74
2022-09-30	1,437.33	697.03	556.42
2022-06-30	1,392.49	682.74	544.34
2022-03-31	1,343.92	663.44	531.00
2021-12-31	1,312.01	659.71	527.32
2021-09-30	1,270.45	639.27	504.67
2021-06-30	1,213.09	609.12	478.74
2021-03-31	1,080.12	529.09	409.39
2020-12-31	935.81	404.87	312.32
2020-09-30	889.55	382.25	297.52

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 861.37 MM.
The cash from investing activities for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is -5,045.52 MM.
The cash from financing activities for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 4,796.23 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	861.37	-5,045.52	4,796.23
2025-03-31	685.33	-4,300.76	4,787.80
2024-12-31	904.31	-3,672.45	3,973.72
2024-09-30	511.50	-3,403.55	2,573.11
2024-06-30	512.06	-3,892.82	1,925.55
2024-03-31	315.82	-3,574.98	3,146.05
2023-12-31	478.40	-4,602.44	5,177.00
2023-09-30	475.98	-4,897.79	5,770.39
2023-06-30	654.06	-4,378.72	5,925.88
2023-03-31	912.68	-6,410.31	4,997.32
2022-12-31	604.92	-6,684.44	3,155.36
2022-09-30	718.97	-6,509.23	4,127.28
2022-06-30	570.46	-6,267.56	4,437.63
2022-03-31	589.83	-4,148.78	3,691.33
2021-12-31	657.44	-3,612.95	3,095.60
2021-09-30	563.72	-2,381.55	2,241.01
2021-06-30	528.72	-1,987.69	1,656.88
2021-03-31	489.88	-3,990.46	5,663.62
2020-12-31	426.75	-3,567.59	6,575.58
2020-09-30	421.50	-4,124.15	5,825.68

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.01.
The roe for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.08.
The roic for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.05.
The croic for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.12.
The ocroic for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.07.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.08	0.05	0.12	0.07
2025-03-31	0.01	0.08	0.05	0.12	0.07
2024-12-31	0.01	0.08	0.05	0.13	0.10
2024-09-30	0.01	0.07	0.05	-0.03	0.06
2024-06-30		0.10
2024-03-31	0.01	0.10	0.06	0.12	0.05
2023-12-31			0.10	0.23
2023-09-30			0.11	0.38
2023-06-30		0.12	0.10	0.37
2023-03-31		0.11	0.10	-0.09
2022-12-31
2022-09-30
2022-06-30		0.11
2022-03-31		0.11	0.10
2021-12-31			0.00
2021-09-30	0.00	0.00
2021-06-30	0.01		0.23	0.10	0.26
2021-03-31	0.01	0.09	0.06	0.30	0.07
2020-12-31	0.01		0.14	1.57	0.19
2020-09-30	0.01	0.07	0.04	0.28	0.06

Gross Margins

The gross margin for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 1.00.
The net margin for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.29.
The operating margin for Pinnacle Financial Partners, Inc. - Preferred Stock as of June 30, 2025 is 0.36.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.29	0.36
2025-03-31	1.00	0.29	0.36
2024-12-31	1.00	0.29	0.36
2024-09-30	1.00	0.27	0.34
2024-06-30	1.00	0.34	0.43
2024-03-31	1.00	0.35	0.45
2023-12-31
2023-09-30		0.39	0.49
2023-06-30		0.39	0.49
2023-03-31		0.37	0.47
2022-12-31
2022-09-30
2022-06-30
2022-03-31		0.40	0.49
2021-12-31
2021-09-30
2021-06-30
2021-03-31	1.00	0.38	0.49
2020-12-31	1.00	0.33	0.43
2020-09-30	1.00	0.33	0.42

PNFPP Stock Financial Analysis - Pinnacle Financial Partners, Inc. - Preferred Stock (NasdaqGS) Stock