Pinnacle Financial Partners

PNFP US Financials Regional Banks
S&P 400
$99.27
+0.13%
Delayed · cached 15 min

Fair value analysis

PNFP
Pinnacle Financial Partners
FinancialsRegional Banks
$99.27
Close used for this calculation
$122.22Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
50/100
Profitability19/25
Returns3/25
Balance Sheet11/25
Efficiency17/25
Growth14/25
Good
Quality radar
50Prof.19/25Ret.3/25Eff.17/25B.Sht11/25Growth14/25

Consensus fair value

$122.22
Below FV
▲ +23.1% against the close used
Model range $42.56 – $161.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$42.56Fair value$122.22Bull$161.40
FairClose
52-week traded range
52W low $82.1052W high $109.03

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Pinnacle Financial Partners closed at $99.27, 18.8% below the consensus fair value of $122.22 drawn from 8 valuation models.

Financial DNA score 50/100 — Good. P/E of 12.3x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$145.21
+46.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=6.3%, r=10%, tg=3%, n=10yr
Graham Number
$133.59
+34.6%
√(22.5 × EPS × BVPS)
EPS=8.07, BVPS=98.29
P/E Fair Value
$161.40
+62.6%
EPS × 20x (sector P/E)
EPS=8.07, Sector P/E=20x
Peter Lynch (PEG)
$50.92
-48.7%
EPS × Growth% (PEG = 1 is fair)
EPS=8.07, g=6.3%
Dividend Discount (DDM)
$44.90
-54.8%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.56, r=10%, g=6.3%
Book Value (P/B)
$42.56
-57.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=98.29, ROE=4.3%, g=6%, r=10%
Reverse DCF
$99.27
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 0.6% | Historical: 6.3%
Margin of Safety
$110.05
+10.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=146.73, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.