PNFP
Financial ServicesPinnacle Financial Partners, Inc. · Banks - Regional · $7B
What is Pinnacle Financial Partners, Inc.?
Pinnacle Financial Partners is a Nashville-based bank holding company operating through Pinnacle Bank across the United States. Founded in 2000, it serves businesses and individuals with a relationship-driven banking model focused on commercial and private clients.
Pinnacle Bank generates revenue primarily through commercial lending, real estate loans, and deposit-gathering. Beyond traditional banking, the company offers wealth management, fiduciary services, brokerage and investment advisory programs, insurance agency services, and treasury management solutions. It also provides merger and acquisition advisory and middle-market private debt services, positioning itself as a full-service financial partner for businesses and high-net-worth individuals rather than a purely transactional retail bank.
Pinnacle Financial Partners was founded in 2000 and is headquartered in Nashville, Tennessee.
- Commercial and small business loans, including equipment and working capital financing
- Commercial real estate lending for investment properties and business-secured loans
- Wealth management, personal trust, and investment advisory services
- Insurance agency services focused on property and casualty coverage
- Treasury management, mobile banking, and digital deposit solutions
Is PNFP a Good Stock to Buy?
UQS Score rates PNFP as Good overall, reflecting a balanced fundamental profile with meaningful strengths and one notable area of concern.
The Growth and Quality pillars both register as Good, suggesting Pinnacle has demonstrated consistent operational performance and expanding business activity relative to its regional banking peers. The Valuation pillar is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals — a relatively uncommon combination in financial services.
The Moat pillar is rated Weak, which is common among regional banks that lack the scale or proprietary advantages of larger national institutions — investors should weigh this when considering long-term competitive durability.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PNFP pay dividends?
Yes — Pinnacle Financial Partners, Inc. pays a dividend.
Pinnacle Financial Partners pays a regular dividend, which is notable for a growth-oriented regional bank. The dividend reflects management's confidence in ongoing cash generation. For income-oriented investors, this adds a return component alongside potential capital appreciation. Investors should verify the current yield and payout schedule directly through Pinnacle's investor relations page, as rates can change.
When does PNFP report earnings?
Pinnacle Financial Partners reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
Pinnacle's recent earnings cycles have reflected the broader regional banking environment — balancing loan growth against deposit costs and credit quality. The company's commercial focus means results can be sensitive to business lending demand and interest rate conditions.
For the most recent quarter's results and upcoming reporting dates, visit Pinnacle Financial Partners' official investor relations page.
PNFP Price History
+13.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Pinnacle Financial Partners, Inc.?
Based on Pinnacle Financial Partners, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
PNFP Long-term Outlook
Pinnacle's Good Growth pillar suggests the business has meaningful expansion potential, particularly through its commercial banking and wealth management segments in high-growth Sun Belt markets. The Neutral Risk rating indicates the company carries a manageable but not negligible risk profile — typical for a mid-sized bank navigating credit cycles. The Attractive Valuation label adds a favorable entry-point dimension to the fundamental picture, though the Weak Moat rating is a reminder that competitive pressures in regional banking remain persistent.
Growth drivers
- Continued commercial loan and deposit growth in Nashville and broader Sun Belt markets
- Expansion of wealth management and fiduciary services for high-net-worth clients
- Cross-selling treasury management and advisory services to existing business clients
Key risks
- Interest rate sensitivity affecting net interest margin in a shifting rate environment
- Credit quality risk tied to commercial real estate and middle-market loan concentrations
- Limited competitive moat relative to larger national banks and fintech entrants
PNFP vs Peers
Pinnacle Financial Partners competes in the regional and community banking space alongside a range of institutions varying in scale, geography, and business mix.
Valley National operates across a broader multi-state footprint with a heavier emphasis on commercial real estate, contrasting with Pinnacle's relationship-banking and wealth management focus.
Commerce Bancshares is a Midwest-focused institution with a longer operating history and a reputation for conservative credit culture, differing from Pinnacle's growth-oriented Sun Belt strategy.
Grupo Financiero Galicia is an Argentine financial group, offering a geographically distinct exposure to emerging-market banking dynamics versus Pinnacle's US-domestic commercial focus.
Frequently Asked Questions
What does Pinnacle Financial Partners do?
Pinnacle Financial Partners operates Pinnacle Bank, providing commercial loans, real estate lending, deposit accounts, wealth management, fiduciary services, insurance, and treasury management. The company targets businesses and high-net-worth individuals, primarily in Nashville and the broader Sun Belt region, with a relationship-driven approach rather than a mass-market retail model.
Does PNFP pay dividends?
Yes, Pinnacle Financial Partners pays a regular dividend. This is notable for a growth-focused regional bank. Investors seeking current yield figures and payment schedules should check the company's investor relations page directly, as dividend amounts can be adjusted by the board.
When does PNFP report earnings?
Pinnacle Financial Partners follows a standard quarterly earnings reporting cadence. Specific dates for upcoming releases are not covered by our data source. For confirmed dates and recent results, refer to Pinnacle's investor relations page or major financial calendars.
Is PNFP a good stock to buy?
UQS Score rates PNFP as Good overall. The Growth and Quality pillars are both rated Good, and Valuation is rated Attractive — a favorable combination. The Moat pillar is Weak, which is a common characteristic of regional banks. Whether PNFP fits your portfolio depends on your goals; the full pillar breakdown is available to Pro members.
Is PNFP overvalued?
The UQS Valuation pillar for PNFP is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. This does not guarantee price appreciation, but it indicates the market has not priced in excessive optimism. View the complete valuation metrics with a UQS Pro account.
How does PNFP compare to its competitors?
Compared to peers like Valley National Bancorp and Commerce Bancshares, Pinnacle differentiates through its Sun Belt growth focus, relationship banking model, and integrated wealth management offering. Each competitor carries a distinct geographic and strategic profile. UQS Pro members can view side-by-side pillar comparisons across these names.
What is PNFP's market cap bracket?
Pinnacle Financial Partners is classified as a mid-cap company. This places it above community bank scale but below the largest regional and national banking institutions, giving it a blend of growth potential and established operational infrastructure.
Who founded Pinnacle Financial Partners?
Pinnacle Financial Partners was founded in 2000. The company was established in Nashville, Tennessee, with a founding vision centered on serving business clients and professionals through a high-touch, relationship-focused banking model. Founding details are widely available through the company's official history and public filings.
Is PNFP a long-term quality investment?
From a long-term quality perspective, PNFP's Good ratings in both Quality and Growth pillars suggest a business with consistent operational characteristics. The Weak Moat rating is worth monitoring, as competitive durability matters over longer time horizons. UQS Pro members can access the full multi-pillar view to assess long-term fit.
What is the main competitive advantage of Pinnacle Financial Partners?
Pinnacle's primary differentiator is its relationship-banking model targeting commercial clients and high-net-worth individuals in fast-growing Sun Belt markets. Its integrated offering — combining lending, wealth management, and advisory services — creates cross-sell opportunities that pure-play lenders typically lack. However, the UQS Moat pillar rates this advantage as Weak relative to broader sector standards.
What sector does PNFP belong to?
Pinnacle Financial Partners operates in the Financial Services sector, specifically as a regional bank holding company. Investors can explore other [top financial services stocks](/sector/financial-services) on UQS Score to compare quality profiles across the sector.
Is PNFP a growth stock or value stock?
PNFP shows characteristics of both. The Growth pillar is rated Good, indicating above-average expansion relative to peers, while the Valuation pillar is rated Attractive — suggesting it is not priced as a premium growth stock. This blend may appeal to investors seeking growth at a reasonable price within the banking sector.
Unlock Full PNFP Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS Score and all five pillar ratings
- ✓Access detailed financial metrics behind each pillar
- ✓Compare PNFP side-by-side with regional banking peers
- ✓Screen for Attractive-valuation stocks across Financial Services
- ✓Get the complete analyst-style quality breakdown in one view
Pro Analysis
PNFP — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 17, 2026 | 58.7 | 63.0 | 28.0 | 77.5 | 39.8 | 96.2 | -3.7 |
| May 7, 2026 | 62.4 | 75.5 | 28.0 | 77.5 | 43.4 | 96.9 | 0.0 |
| Apr 19, 2026 | 62.4 | 75.5 | 28.0 | 77.5 | 43.4 | 96.6 | 0.0 |
| Apr 18, 2026 | 62.4 | 75.5 | 28.0 | 77.5 | 43.4 | 96.7 | -0.5 |
| Apr 2, 2026 | 62.9 | 75.5 | 28.0 | 77.5 | 43.4 | 100.0 | — |
PNFP — Pillar Breakdown
Quality
— 63.0/100 (25%)Pinnacle Financial Partners, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 77.5/100 (20%)Pinnacle Financial Partners, Inc. is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 39.8/100 (15%)Pinnacle Financial Partners, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 95.5/100 (15%)Pinnacle Financial Partners, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Pinnacle Financial Partners, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PNFP.
Score Composition
Financial Data
More Stock Analysis
How is the PNFP UQS Score Calculated?
The UQS (Unified Quality Score) for Pinnacle Financial Partners, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Pinnacle Financial Partners, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Pinnacle Financial Partners, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.