Pinnacle Financial Partners (PNFP) Stock Analysis

November 11, 2026

This is a peer-relative look at Pinnacle Financial Partners (PNFP): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Pinnacle Financial Partners (PNFP)
Profile Item	PNFP
Name	Pinnacle Financial Partners Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Regional Banks
Market Capitalization	15.21 billion USD
Currency	USD
Exchange	Nasdaq
Listing Date	August 22, 2000
Security Type	Common Stock

Price Performance

Cumulative Growth

PNFP

GSPC

Pinnacle Financial Partners (PNFP) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Pinnacle Financial Partners (PNFP) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Pinnacle Financial Partners (PNFP) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
Total Return (1Y)	22.69%	30.28%
Total Return (3Y, Annualized)	18.81%	26.57%
Total Return (5Y, Annualized)	2.40%	9.43%

Risk Profile

Drawdown History

PNFP

GSPC

Pinnacle Financial Partners (PNFP) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Pinnacle Financial Partners (PNFP) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
Volatility (1Y, Annualized)	26.95%	24.34%
Beta (5Y)	1.02	0.72
Max Drawdown (5Y)	-57.43%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. PNFP is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
Sharpe Ratio (1Y)	0.68	1.08
Sortino Ratio (1Y)	0.99	1.61

Profitability

ROE (TTM)

Pinnacle Financial Partners (PNFP) posts ROE of 9.56%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

PNFP

Banks industry group

9.56%

Group distribution

Max: 19.84%
Q3: 13.67%
Median: 11.49%
PNFP: 9.56%
Q1: 9.50%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
WFC: 12.91%
BAC: 10.73%
PNFP: 9.56%
MUFG: 9.46%

Where Pinnacle Financial Partners (PNFP) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Pinnacle Financial Partners (PNFP) keeps 25.54% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

PNFP

Banks industry group

25.54%

Group distribution

Max: 47.19%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
PNFP: 25.54%
Min: 14.93%

Largest peers

HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%
PNFP: 25.54%

Where Pinnacle Financial Partners (PNFP) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Pinnacle Financial Partners (PNFP) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
ROE (TTM)	9.56%	11.49%
ROA (TTM)	1.10%	1.24%
Net Margin (TTM)	25.54%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Pinnacle Financial Partners (PNFP) grew revenue 17.76%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

Pinnacle Financial Partners (PNFP): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

Pinnacle Financial Partners (PNFP) grew earnings per share 35.40%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

Pinnacle Financial Partners (PNFP): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
Revenue Growth (YoY)	17.76%	11.23%
Revenue Growth (3Y CAGR)	11.15%	6.33%
EPS Growth (YoY)	35.40%	16.14%
EPS Growth (3Y CAGR)	4.02%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Pinnacle Financial Partners (PNFP) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Pinnacle Financial Partners (PNFP) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Pinnacle Financial Partners (PNFP) has dividend yield of 1.72%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

PNFP

Banks industry group

1.72%

Group distribution

Max: 5.79%
Q3: 3.18%
Median: 2.39%
PNFP: 1.72%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
RY: 3.23%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
PNFP: 1.72%
HSBC: 0.86%

Where Pinnacle Financial Partners (PNFP) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Pinnacle Financial Partners (PNFP) has payout ratio of 23.29%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

PNFP

Banks industry group

23.29%

Group distribution

Max: 70.75%
Q3: 41.28%
Median: 29.26%
PNFP: 23.29%
Q1: 18.98%
Min: 0.00%

Largest peers

HSBC: 53.57%
RY: 41.49%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%
PNFP: 23.29%

Where Pinnacle Financial Partners (PNFP) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
Dividend Yield (TTM)	1.72%	2.39%
Dividend Payout Ratio (TTM)	23.29%	29.26%

Valuation

P/E Ratio (TTM)

Pinnacle Financial Partners (PNFP) trades at P/E ratio of 13.47, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

PNFP

Banks industry group

13.47

Group distribution

Max: 18.16
Q3: 13.75
PNFP: 13.47
Median: 11.81
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
PNFP: 13.47
WFC: 11.84
BAC: 11.79
HSBC: 11.38

Where Pinnacle Financial Partners (PNFP) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Pinnacle Financial Partners (PNFP) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Pinnacle Financial Partners (PNFP) trades at 1.10 on P/B ratio, in the lower book-value quartile for its industry. Investors are paying less for the balance-sheet equity than they pay for most peers, with returns on that equity still central to the read.

PNFP

Banks industry group

1.10

Group distribution

Max: 2.28
Q3: 1.58
Median: 1.32
Q1: 1.10
PNFP: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
BAC: 1.26
PNFP: 1.10

Where Pinnacle Financial Partners (PNFP) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Pinnacle Financial Partners (PNFP) metric values compared with Banks industry-group medians
Metric	Current stock: PNFP	Industry group median
P/E Ratio (TTM)	13.47	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.10	1.32
Free Cash Flow Yield (TTM)	--	--