Pinnacle Financial (PNFP) Fundamental Analysis: Revenue, Earnings & Valuation

5.01 / 10

Netural

Fundamentally, PNFP shows a modest profile (5/10). Strengths include net profit margin and cash‑flow‑to‑revenue ratios; weaknesses lie in low ROA and annualized asset profit margin. Overall rating remains Neutral.

Analysis Checks(5/10)

ROA (%)

Value0.87

Score1/3

Weight8.15%

1M Return2.37%

Shareholders’ equity attributable to parent company / Total liabilities (%)

Value0.14

Score2/3

Weight2.52%

1M Return0.85%

Equity multiplier

Value8.16

Score2/3

Weight1.68%

1M Return0.53%

Net cash flow from operating activities / Operating revenue (%)

Value-1499.20

Score3/3

Weight31.74%

1M Return9.56%

Total profit (YoY growth rate %)

Value44.54

Score1/3

Weight1.71%

1M Return0.59%

Net profit margin (%)

Value-2945.84

Score3/3

Weight33.16%

1M Return9.87%

Income tax / Total profit (%)

Value17.82

Score1/3

Weight2.92%

1M Return1.03%

Annualized net profit margin on total assets (%)

Value1.16

Score1/3

Weight8.15%

1M Return2.37%

Equity multiplier (DuPont analysis %)

Value8.17

Score1/3

Weight0.98%

1M Return0.30%

Net profit / Total operating revenue (%)

Value31.21

Score2/3

Weight8.97%

1M Return2.60%

Is PNFP undervalued or overvalued?

PNFP scores 5.01/10 on fundamentals and holds a Fair valuation at present. Backed by its 9.30% ROE, 31.24% net margin, 20.29 P/E ratio, 1.81 P/B ratio, and 35.61% earnings growth, these metrics solidify its Netural investment rating.