ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Pinnacle Financial Partners, Inc. ?
1
Strong Long Term Fundamental Strength with a 15.51% CAGR growth in Net Profits
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.51%
3
With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 1,749.58 MM
- NII(Q) Highest at USD 933 MM
- PRE-TAX PROFIT(Q) Highest at USD 464 MM
4
With ROA of 0.81%, it has a fair valuation with a 1.78 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -7.55%, its profits have risen by 38.9% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 58.28%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Pinnacle Financial Partners, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Pinnacle Financial Partners, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Pinnacle Financial Partners, Inc.
-7.55%
1.11
31.38%
S&P 500
19.75%
1.50
13.19%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.32%
EBIT Growth (5y)
13.82%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
11.90%
Pledged Shares
0
Institutional Holding
58.28%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.78
EV to EBIT
20.90
EV to EBITDA
17.24
EV to Capital Employed
1.95
EV to Sales
4.03
PEG Ratio
0.50
Dividend Yield
0.44%
ROCE (Latest)
9.34%
ROE (Latest)
9.37%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend37What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 1,749.58 MM
NII(Q)
Highest at USD 933 MM
PRE-TAX PROFIT(Q)
Highest at USD 464 MM
NET PROFIT(Q)
Highest at USD 368.25 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 56.1%
CASH AND EQV(HY)
Highest at USD 1,058.43 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 85.11%
NET SALES(Q)
Highest at USD 1,514 MM
OPERATING PROFIT(Q)
Highest at USD 412 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.21 %
-4What is not working for the Company
GROSS NPA (%)
(Q
EPS(Q)
Lowest at USD 0.89
Here's what is working for Pinnacle Financial Partners, Inc.
Net Sales
At USD 1,514 MM has Grown at 116.62%
over average net sales of the previous four periods of USD 698.91 MMMOJO Watch
Near term sales trend is extremely positive
Net Sales (USD MM)
NII
Highest at USD 933 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 1,749.58 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
Highest at USD 464 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 464 MM has Grown at 131.55%
over average net sales of the previous four periods of USD 200.39 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 368.25 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Profit
At USD 368.25 MM has Grown at 123.26%
over average net sales of the previous four periods of USD 164.94 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 1,514 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 412 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.21 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at USD 1,058.43 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 85.11%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 56.1%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at USD 48 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 48 MM has Grown at 55.4%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Pinnacle Financial Partners, Inc.
Non Performing Loans (%)
Highest at 0.54%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
EPS
Lowest at USD 0.89
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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