Pinnacle Financial Partners PNFP
Pinnacle Financial Partners is a regional bank headquartered in Nashville, Tennessee, offering commercial, consumer, and wealth management banking services in the southeastern United States. Pinnacle Financial Partners shows exceptional revenue growth (137%) and a solid operating margin (47.02%), although its ROE (7.65%) and ROA (0.89%) are moderate; valuation is attractive with a forward P/E of 8.29, and the higher-rate environment favors its net interest margin.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Pinnacle Financial Partners is a regional bank headquartered in Nashville, Tennessee, offering commercial, consumer, and wealth management banking services in the southeastern United States. Pinnacle Financial Partners shows exceptional revenue growth (137%) and a solid operating margin (47.02%), although its ROE (7.65%) and ROA (0.89%) are moderate; valuation is attractive with a forward P/E of 8.29, and the higher-rate environment favors its net interest margin.
Score by category
| Category | Score |
|---|---|
| Financial health | 3.7 |
| Quality / Moat | 9.1 |
| Valuation | 5.7 |
| Growth | 7.8 |
| Dividend | 5.6 |
| Momentum | 3.6 |
| Risk & Context | 6.3 |
OVERALL SCORE: 6.0/10
Context and risks
PNFP is a US regional bank; the rise in 10-year yields widens its net interest margin, but duration risk is limited given its low P/E (13.08) and focus on commercial banking. No specific geopolitical or regulatory exposure beyond standard banking supervision.
News considered in the analysis
- 3 Regional Bank Stocks With Client Cash Leverage in a Higher Rate Market — Artículo genérico que destaca a bancos regionales con apalancamiento de depósitos de clientes; refuerza la tesis de que PNFP se beneficia de tipos más altos, pero no aporta información específica nueva.
- Market Chatter: Federal Reserve Mulls Raising Bank Oversight Thresholds — Si la Fed eleva el umbral de supervisión, bancos regionales como PNFP podrían ver reducida la carga regulatoria; es un rumor con probabilidad moderada y no descontado.
- 3 US Bank Stocks Built For Higher Interest Rates — Listado genérico que incluye a PNFP como beneficiario de tipos altos; sin datos concretos, pero consistente con el perfil del banco.
- Can ServisFirst Keep Delivering? — Artículo sobre un competidor (ServisFirst), sin impacto directo en PNFP.
- WesBanco, Pinnacle Financial Partners, Zions Bancorporation, Regions Financial, and M&T Bank Shares Are Falling, What You Need To Know — Caída del sector bancario regional; probablemente refleja el repunte de tipos a 10 años que presiona valoraciones de duración larga, aunque para bancos el efecto es mixto.
Verdict: Hold or accumulate on dips; the combination of attractive valuation and strong revenue growth offsets moderate return on equity.
Main risk: Earnings growth is weak (3.5%) despite strong revenue growth, suggesting expansion is not translating into profitability; additionally, the recent decline in regional bank stocks may reflect duration pressures in a rising-rate environment.
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