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Upturn AI SWOT - About
PNFP 
Pinnacle Financial Partners Inc (PNFP)
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Upturn Advisory Summary
02/25/2025: PNFP (3-star) is a SELL. SELL since 1 days. Profits (-9.44%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 37.24% | Avg. Invested days 41 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 02/25/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.10B USD | Price to earnings Ratio 17.58 | 1Y Target Price 132.5 |
Price to earnings Ratio 17.58 | 1Y Target Price 132.5 | ||
Volume (30-day avg) 476799 | Beta 1.09 | 52 Weeks Range 73.15 - 131.66 | Updated Date 04/1/2025 |
52 Weeks Range 73.15 - 131.66 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.91% | Basic EPS (TTM) 5.96 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.39% | Operating Margin (TTM) 41.6% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 7.62% |
Valuation
Trailing PE 17.58 | Forward PE 13.53 | Enterprise Value 7596095488 | Price to Sales(TTM) 5.01 |
Enterprise Value 7596095488 | Price to Sales(TTM) 5.01 | ||
Enterprise Value to Revenue 6.94 | Enterprise Value to EBITDA - | Shares Outstanding 77366704 | Shares Floating 75464122 |
Shares Outstanding 77366704 | Shares Floating 75464122 | ||
Percent Insiders 1.59 | Percent Institutions 90.91 |
Analyst Ratings
Rating 3.91 | Target Price 131 | Buy 2 | Strong Buy 4 |
Buy 2 | Strong Buy 4 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pinnacle Financial Partners Inc
Company Overview
History and Background
Pinnacle Financial Partners was founded in 2000 in Nashville, Tennessee, by a group of experienced bankers seeking to create a different kind of financial institution. They focused on attracting experienced financial professionals and providing high-quality service to businesses and individuals. Pinnacle has grown organically and through strategic acquisitions, expanding its presence throughout the Southeast.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including loans, deposits, treasury management, and international banking.
- Retail Banking: Provides retail banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management services including financial planning, investment management, and trust services.
Leadership and Structure
M. Terry Turner serves as the CEO. The organizational structure consists of regional presidents and functional leaders reporting to the CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes such as working capital, expansion, and equipment financing. Market share data is not publicly broken down by specific product line. Competitors: Truist, Regions, Fifth Third, and other regional banks.
- Deposit Accounts: Provides checking, savings, and money market accounts for businesses and individuals. Market share data is not publicly broken down by specific product line. Competitors: Truist, Regions, Fifth Third, and other regional banks.
- Treasury Management Services: Offerings to help businesses with cash flow. Market share data is not publicly broken down by specific product line. Competitors: Truist, Regions, Fifth Third, and other regional banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Consolidation continues to reshape the market.
Positioning
Pinnacle Financial Partners positions itself as a high-touch, relationship-focused bank targeting businesses and high-net-worth individuals. Its competitive advantage lies in its experienced bankers and localized decision-making.
Total Addressable Market (TAM)
The TAM for banking services in the Southeastern US is substantial, estimated in the hundreds of billions of dollars. Pinnacle is well-positioned to capture a portion of this market through its expansion strategy and focus on customer service.
Upturn SWOT Analysis
Strengths
- Strong relationships with clients
- Experienced management team
- High-quality customer service
- Strategic acquisition strategy
- Strong presence in high-growth markets
Weaknesses
- Geographic concentration in the Southeast
- Reliance on net interest income
- Potential integration challenges with acquisitions
- Smaller size compared to national banks
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Acquisition opportunities
- Attracting talent from larger banks
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TRST
- RF
- FITB
Competitive Landscape
Pinnacle Financial Partners competes with both national and regional banks. It differentiates itself through its high-touch service model and local market expertise.
Major Acquisitions
BNC Bancorp
- Year: 2017
- Acquisition Price (USD millions): 1900
- Strategic Rationale: Expanded Pinnacle's footprint into new markets, particularly in the Carolinas and Virginia.
Growth Trajectory and Initiatives
Historical Growth: Pinnacle has experienced significant growth through organic expansion and acquisitions. Their growth has been fueled by strong performance in core markets.
Future Projections: Future growth projections depend on economic conditions and the company's ability to execute its strategic plans. Analyst estimates are available from financial information providers.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities and pursuing strategic acquisitions to enhance market presence.
Summary
Pinnacle Financial Partners is a well-managed regional bank with a strong focus on customer relationships. Its growth strategy is built on organic expansion and strategic acquisitions. However, it faces challenges from larger competitors, rising interest rates, and the evolving digital landscape. Keeping a close watch on integration and risks is key to continued success.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
FFWM
First Foundation Inc.
FFWM
First Foundation Inc.
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
RF
Regions Financial Corporation
RF
Regions Financial Corporation
TRST
TrustCo Bank Corp NY
TRST
TrustCo Bank Corp NY
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Earnings Call Transcripts
- Analyst Reports
- FDIC Data
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market share data is based on estimates and may not be precise. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pinnacle Financial Partners Inc
Exchange NASDAQ | Headquaters Nashville, TN, United States | ||
IPO Launch date 2000-08-22 | President, CEO & Director Mr. Michael Terry Turner | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 3565 | Website https://www.pnfp.com |
Full time employees 3565 | Website https://www.pnfp.com | ||
Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loan; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.
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