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Market Price

54.03 

-1.42 -2.6%

as of Oct 19 '18

52 Week Range:

53.74 69.95


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Pinnacle Financial Partners, Inc. operates as a bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance products primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, interest rate derivatives, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit and credit cards, direct and remote deposit, automated teller machine, and cash management services. It serves individuals, small-to medium-sized businesses, and professional entities. As of December 31, 2017, the company operates 114 offices, including 46 in Tennessee, 39 in North Carolina, 21 in South Carolina, and 8 in Virginia. Pinnacle Financial Partners, Inc. was founded in 2000 and is headquartered in Nashville, Tennessee.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 20.96
22.73
18.52
17.32
18.41
19.57
20.22
21.88
27.73
31.83
47.25
growth rate 8.4% -18.5% -6.5% 6.3% 6.3% 3.3% 8.2% 26.7% 14.8% 48.4%
Earnings BIT 33.03
43.24
-64.89
-19.89
28.50
62.53
85.88
108.88
148.43
206.08
331.23
growth rate 30.9% -100.0% 0.0% 100.0% 119.4% 37.3% 26.8% 36.3% 38.8% 60.7%
Avg.PE 19.05
23.47
-11.30
-13.60
14.84
17.06
19.46
20.90
19.08
23.93
24.13
growth rate 23.2% -100.0% 0.0% 100.0% 15.0% 14.1% 7.4% -8.7% 25.4% 0.8%
ROA 0.78
0.72
-0.84
-0.61
0.76
0.77
1.09
1.22
1.30
1.28
1.04
growth rate -7.7% -100.0% 0.0% 100.0% 1.3% 41.6% 11.9% 6.6% -1.5% -18.8%
ROE 6.38
6.08
-7.20
-5.08
6.04
5.77
8.23
9.23
9.75
9.59
6.69
growth rate -4.7% -100.0% 0.0% 100.0% -4.5% 42.6% 12.2% 5.6% -1.6% -30.2%
ROIC 15.05
12.99
0.83
1.79
6.90
5.83
7.67
7.90
growth rate -13.7% -93.6% 115.7% 285.5% -15.5% 31.6% 3.0%
Leverage 8.13
8.82
8.39
8.37
7.59
7.42
7.69
7.50
7.54
7.48
5.99
growth rate 8.5% -4.9% -0.2% -9.3% -2.2% 3.6% -2.5% 0.5% -0.8% -19.9%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 15.24
14.86
15.41
16.99
21.57
28.23
57.44
growth rate -2.5% 3.7% 10.3% 27.0% 30.9% 103.4%
Acct.Payable 2.23
1.36
0.79
4,782.60
6,971.41
8,759.31
16,451.70
growth rate -39.1% -41.7% 603,002.8% 45.8% 25.7% 87.8%
Cur.Assets 246.11
415.86
307.05
1,008.02
growth rate 69.0% -26.2% 228.3%
Total Assets 4,754.10
5,128.80
4,909.00
4,863.95
5,040.55
5,563.78
6,018.25
8,714.54
11,194.62
22,205.70
growth rate 7.9% -4.3% -0.9% 3.6% 10.4% 8.2% 44.8% 28.5% 98.4%
Cash 77.30
125.00
181.30
1,069.46
872.44
942.19
74.71
186.65
0.55
779.60
growth rate 61.7% 45.0% 489.9% -18.4% 8.0% -92.1% 149.8% -99.7% 142,840.5%
Inventory 11.19
5.08
6.09
28.03
growth rate -54.6% 19.8% 360.2%
Cur.Liabilities 4,893.21
7,069.66
8,873.46
17,173.39
growth rate 44.5% 25.5% 93.5%
Liabilities 4,126.80
4,427.80
4,231.50
4,153.81
4,361.48
4,840.07
5,215.55
7,558.93
9,697.93
18,497.75
growth rate 7.3% -4.4% -1.8% 5.0% 11.0% 7.8% 44.9% 28.3% 90.7%
LT Debt 82.48
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
291.63
441.91
757.07
1,785.41
growth rate 2,334.5% 0.1% 0.1% 0.1% 0.1% 0.1% -85.5% 51.5% 71.3% 135.8%
Equity 466.61
627.30
701.00
677.50
710.15
679.07
723.71
802.69
1,155.61
1,496.70
3,707.95
growth rate 34.4% 11.8% -3.4% 4.8% -4.4% 6.6% 10.9% 44.0% 29.5% 147.7%
Common Shares 17.00
24.00
28.00
33.00
34.00
34.00
35.00
35.00
38.00
44.00
64.00
growth rate 41.2% 16.7% 17.9% 3.0% 0.0% 2.9% 0.0% 8.6% 15.8% 45.5%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 6.07
6.60
19.20
9.60
2.03
5.86
5.29
5.88
10.87
17.06
53.50
growth rate 8.7% 190.9% -50.0% -78.8% 188.7% -9.7% 11.0% 84.9% 56.9% 213.6%
Cash Dividends 0.00
0.00
4.40
4.80
4.89
2.13
2.82
11.40
18.31
24.73
35.91
growth rate 9.1% 1.9% -56.5% 32.3% 304.9% 60.6% 35.1% 45.2%
Cash From OA 16.40
33.60
90.30
129.60
113.09
114.28
126.44
95.06
84.60
126.64
147.94
growth rate 104.9% 168.8% 43.5% -12.7% 1.1% 10.6% -24.8% -11.0% 49.7% 16.8%
FCF per Share 0.60
1.01
2.50
3.66
3.55
3.14
3.49
2.37
1.62
2.67
1.65
growth rate 68.3% 147.5% 46.4% -3.0% -11.6% 11.2% -32.1% -31.7% 64.8% -38.2%
Sale Purchase of Stock -22.89
-71.14
2.90
6.42
3.60
11.59
192.19
growth rate 0.0% 100.0% 121.8% -43.9% 221.7% 1,558.3%
FCF 10.00
24.00
71.00
120.00
111.00
108.00
121.00
89.00
73.00
110.00
94.00
growth rate 140.0% 195.8% 69.0% -7.5% -2.7% 12.0% -26.5% -18.0% 50.7% -14.6%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 98.23
148.90
170.40
180.70
226.29
228.82
238.39
241.95
313.97
427.67
664.55
growth rate 51.6% 14.4% 6.0% 25.2% 1.1% 4.2% 1.5% 29.8% 36.2% 55.4%
Op.Income 43.20
-64.90
-19.90
43.74
41.88
57.73
107.26
149.56
207.81
339.72
growth rate -100.0% 0.0% 100.0% -4.2% 37.8% 85.8% 39.4% 38.9% 63.5%
IBT 43.24
-64.89
-19.89
28.50
62.53
85.88
105.65
143.10
191.38
297.99
growth rate -100.0% 0.0% 100.0% 119.4% 37.4% 23.0% 35.4% 33.7% 55.7%
Net Income 30.90
-35.50
-24.30
43.74
41.88
57.73
70.47
95.51
127.22
173.98
growth rate -100.0% 0.0% 100.0% -4.2% 37.8% 22.1% 35.5% 33.2% 36.8%
EPS 1.34
1.27
-1.46
-0.93
1.09
1.10
1.67
2.01
2.52
2.91
2.70
growth rate -5.2% -100.0% 0.0% 100.0% 0.9% 51.8% 20.4% 25.4% 15.5% -7.2%
Gross Profit 241.95
313.97
427.67
664.55
growth rate 29.8% 36.2% 55.4%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 109.38
93.95
116.22
growth rate -14.1% 23.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 54.29
57.44
60.92
growth rate 5.8% 6.1%
Acct.Payable 15,789.58
16,451.70
16,502.91
17,857.42
18,407.52
growth rate 4.2% 0.3% 8.2% 3.1%
Cur.Assets 627.98
1,008.02
591.31
887.36
700.73
growth rate 60.5% -41.3% 50.1% -21.0%
Total Assets 21,790.37
22,205.70
22,935.17
23,988.37
24,557.55
growth rate 1.9% 3.3% 4.6% 2.4%
Cash 408.28
779.60
368.76
646.92
551.08
growth rate 91.0% -52.7% 75.4% -14.8%
Inventory 24.34
28.03
24.50
20.20
17.47
growth rate 15.2% -12.6% -17.6% -13.5%
Cur.Liabilities 16,704.38
17,173.39
17,330.25
18,257.37
18,558.68
growth rate 2.8% 0.9% 5.4% 1.7%
Liabilities 18,117.02
18,497.75
19,185.87
20,161.69
20,660.50
growth rate 2.1% 3.7% 5.1% 2.5%
LT Debt 1,330.41
1,785.41
1,782.18
1,816.05
1,986.09
growth rate 34.2% -0.2% 1.9% 9.4%
Equity 3,673.35
3,707.95
3,749.30
3,826.68
3,897.04
growth rate 0.9% 1.1% 2.1% 1.8%
Common Shares 77.65
77.74
77.85
77.86
77.87
growth rate 0.1% 0.2% 0.0% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 18.01
8.81
8.81
5.68
growth rate -51.1% 0.0% -35.5%
Cash Dividends 10.93
10.97
10.97
10.95
growth rate 0.4% 0.0% -0.2%
Cash From OA 17.76
85.56
85.56
124.98
growth rate 381.8% 0.0% 46.1%
Sale Purchase of Stock
growth rate
FCF -0.25
76.75
76.75
119.31
growth rate 100.0% 0.0% 55.5%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 209.24
204.94
211.69
220.77
232.17
growth rate -2.1% 3.3% 4.3% 5.2%
Op.Income 111.94
104.39
110.37
116.25
120.87
growth rate -6.7% 5.7% 5.3% 4.0%
IBT 99.50
81.97
103.14
109.87
118.18
growth rate -17.6% 25.8% 6.5% 7.6%
Net Income 64.44
26.80
83.51
86.87
93.75
growth rate -58.4% 211.6% 4.0% 7.9%
EPS
growth rate
Gross Profit 209.24
204.94
211.69
220.77
232.17
growth rate -2.1% 3.3% 4.3% 5.2%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (67.99)

YOY Growth Grade:

D (46.70)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.61 16.03 10.89
EPS / Growth 18.8% 3.37 24.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 50.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 18.8% 31.0% 31.4%
Future PE 10.89 14.71 30.07
Future EPS 18.88 50.06 51.53
Value Price
MOS %
50.84
-5.9%
181.95
236.8%
382.99
608.9%
MOS Price 25.42 90.98 191.50
IRT 7.31 5.78 5.75

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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