Stock fact sheet · data as of
Pinnacle Financial Partners, Inc. (PNFP): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is PNFP undervalued?
Pinnacle Financial Partners, Inc. (PNFP) closed at 92.85 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 178.16, which puts the price 48% below it. 5 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The 9 models disagree widely: DDM gives 25.60 while DCF gives 567.28. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files PNFP under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for PNFP
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 567.28 | +511% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 109.54 | +18% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 183.64 | +98% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 70.81 | -24% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 90.45 | -3% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 227.57 | +145% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 268.11 | +189% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 25.60 | -72% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 60.38 | -35% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 7.20 | -92% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 119.77 | +29% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - PNFP passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.0 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 6.7%, ROE 9.1%, ROA 1.1% - with debt at 0.36 times equity and a free-cash-flow yield of 10.8%.
The dividend yield is 1.87% at a payout ratio of 27%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 6.7% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 9.1% |
| Debt / equity | 0.36 | ROA | 1.1% |
| Free-cash-flow yield | 10.8% | Payout ratio | 27% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 84: Prime
PNFP scores 84 out of 100 on the Wheel Score, in the Prime band (80 and above), which fewer than one stock in twenty reaches on any night. The score blends five things a wheel trader checks before selling a cash-secured put: the margin of safety (Value, 25/25), Piotroski health (13/20), the GLS moat (9/15), the option premium on offer (19/20) and how easily the stock trades (17/20).
Implied volatility is 34% on the near-the-money contracts 20-60 days out: some premium, but under the 35-60% range the Wheel Score pays full marks for (19 of 20 points). Chain open interest is 2,920 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 770k shares a day on a market cap of $14.0B, with a beta of 1.03; the Stability part of the Wheel Score gives that 17 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 48% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 9 / 15 | moat 6.0/10 | |
| Premium | 19 / 20 | implied volatility 34% | |
| Stability | 17 / 20 | 770k shares/day, $14.0B cap, beta 1.03 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Pinnacle Financial Partners, Inc. reports earnings on 21 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Pinnacle Financial Partners, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BSAC Banco Santander-Chile | 32.82 | 2,521.93 | +99% | 81Prime | $15.5B |
| EWBC East West Bancorp, Inc. | 126.26 | 179.24 | +30% | 88Prime | $17.3B |
| FHN First Horizon Corporation | 22.86 | 27.51 | +17% | 77Good | $10.8B |
| BPOP Popular, Inc. | 157.37 | 223.61 | +30% | 86Prime | $10.0B |
| BPOPM Popular Capital Trust II PFD GTD 6.125% | 25.31 | 100.12 | +75% | 39No options | $10.0B |
| BCH Banco de Chile | 39.10 | 4,791.92 | +99% | 45Weak | $19.7B |
| UMBF UMB Financial Corporation | 128.86 | 198.60 | +35% | 86Prime | $9.8B |
| SSB SouthState Bank Corp. | 99.17 | 165.40 | +40% | 76Good | $9.6B |
| CFR Cullen/Frost Bankers, Inc. | 154.11 | 148.21 | -4% | 62Fair | $9.6B |
| ONB Old National Bancorp | 25.00 | 43.30 | +42% | 89Prime | $9.6B |
| ONBPP Old National Bancorp | 24.88 | 43.23 | +42% | 39No options | $9.6B |
| ONBPO Old National Bancorp | 24.86 | 43.22 | +42% | 39No options | $9.6B |
⚖ Compare PNFP with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PNFP
Is PNFP undervalued right now?
By the GLS models, yes: at 92.85 the stock is 48% below the average fair value of 178.16 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of PNFP and what does it mean?
PNFP scores 84 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for PNFP?
178.16 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Pinnacle Financial Partners, Inc. report earnings next?
The next earnings report is due on 21 Oct 2026 (after the close), 5 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does PNFP have listed options, and how liquid are they?
Yes. The nightly snapshot found 268 listed contracts with 2,920 open interest across all expiries and implied volatility of 34% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.