# Pinnacle Financial Partners, Inc. (PNFP) — Stock CV

Pinnacle Financial Partners, Inc. is a $14.2B financial services company. Revenue grew 455.1% over the last year, and it keeps 14¢ of every dollar of sales as profit. It trades at 17.3× earnings — in the cheapest third of its own history.

> Pinnacle Financial Partners Inc is a financial holding company. The company operates through its wholly-owned subsidiary, Pinnacle Bank.

## Identity

- **Ticker**: PNFP
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: ATLANTA, GA
- **Employees**: 3 709
- **Website**: https://www.pnfp.com
- **Market cap**: $14.2B
- **Last price**: $93.99
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $5.99B
- **Net income**: $829M
- **Free cash flow**: $1.45B
- **Net cash**: $527M
- **P/E**: 17.3
- **Revenue growth (YoY)**: 455.1%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 80 |
| Growth | 82 |
| Profitability | 62 |
| Health | 53 |
| Quality | 46 |
| Moat | 50 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +455.1% YoY
- [x] Profitable — $829M TTM
- [x] Profit growing — +3.9% YoY
- [x] Generates cash — $1.45B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $14.2B market cap
- [x] Not printing shares — +2.7% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — Altman Z 0.1 — distress
- [x] Pays a dividend — yield 1.58%
- [x] Valuation not extreme — P/E 17.3

## Experience (career milestones)

- **Q3 2026** — 3 open-market insider purchases: ~13K shares bought by insiders
- **FY2025** — Best year on record: $642M net income
- **FY2024** — Became debt-free: cash now exceeds total debt
- **FY2018** — Revenue crossed $1B: $1.15B for the year
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Positive free cash flow every year since: 10-year streak
- **2002** — The company went public on the NASDAQ with the symbol PNFP
- **Feb 20, 2000** — The company was founded on February 20, 2000, by twelve Nashville businessmen who wished to create a locally owned…

## Strengths

- Revenue growing 455.1% year over year
- Strong cash conversion — FCF is 24.2% of revenue
- Net cash position after subtracting debt from cash

## Watch-outs

- Altman Z-Score 0.07 — elevated financial-distress risk

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $1.43B | $527M | $634M |
| FY2022 | $1.79B | $561M | $541M |
| FY2023 | $2.79B | $562M | $400M |
| FY2024 | $1.62B | $460M | $810M |
| FY2025 | $3.30B | $642M | $679M |

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Source: https://stockcv.com/PNFP — derived from company filings; may be delayed or incomplete. Information, not investment advice.