PNFP PEER ANALYSIS

Pinnacle Financial Partners, Inc. — metric-by-metric comparison with peers and the industry median

PNFPPinnacle Financial Partners, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

PNFPIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PNFP	ISCTR	AKBNK	YKBNK	VAKBN	HALKB	Ind. Median
P/E	11.96	4.71●	6.12	5.74	4.86	10.63	12.96
P/B	0.53●	0.84	1.27	1.18	0.95	1.39	1.29
EV/EBITDA	8.75	-17.10	-1.68	-3.72	-5.61	-19.45●	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PNFP	ISCTR	AKBNK	YKBNK	VAKBN	HALKB	Ind. Median
Current Ratio	0.90	—	—	—	—	—	0.31
Debt/Equity	41.4%	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-0.14	-28.33	-7.12	-9.43	-8.98	-33.00●	-0.58

Profitability
Metric	PNFP	ISCTR	AKBNK	YKBNK	VAKBN	HALKB	Ind. Median
Net Margin	16.3%	28.1%●	27.4%	23.3%	21.4%	16.6%	20.6%
ROE	6.2%	20.2%	23.0%	23.5%●	23.0%	15.4%	10.9%
ROA	0.7%	1.8%	2.0%●	1.9%	1.3%	0.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PNFP	ISCTR	AKBNK	YKBNK	VAKBN	HALKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	32.6%	71.8%	46.1%	85.7%●	34.4%	21.9%	19.4%
Div. Yield	1.2%	—	—	—	—	—	2.5%
Payout	24.1%	—	—	—	—	—	31.4%

Valuation
Metric	PNFP	VLY	BOKF	PB	CBSH	FNB	Ind. Median
P/E	11.96	12.61	13.70	13.42	14.87	11.78●	12.96
P/B	0.53●	1.06	1.41	0.86	1.99	1.02	1.29
EV/EBITDA	8.75	12.44	7.36	9.20	2.35●	13.65	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PNFP	VLY	BOKF	PB	CBSH	FNB	Ind. Median
Current Ratio	0.90	9.49	12.83●	0.68	3.58	0.21	0.31
Debt/Equity	41.4%	38.9%	114.9%	30.4%●	60.1%	61.1%	38.0%
NetDebt/EBITDA	-0.14	3.05	-2.35	0.71	-8.08●	4.77	-0.58

Profitability
Metric	PNFP	VLY	BOKF	PB	CBSH	FNB	Ind. Median
Net Margin	16.3%	18.6%	18.3%	31.2%●	26.1%	21.6%	20.6%
ROE	6.2%	8.6%	10.5%	6.7%	14.8%●	8.9%	10.9%
ROA	0.7%	1.0%	1.2%	1.3%	1.7%●	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PNFP	VLY	BOKF	PB	CBSH	FNB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	32.6%	68.1%●	9.7%	5.9%	5.7%	27.5%	19.4%
Div. Yield	1.2%	3.0%	1.7%	3.2%●	1.8%	2.5%	2.5%
Payout	24.1%	42.4%	24.2%	42.9%	26.8%	29.5%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.