Pinnacle Financial Partners Inc.
Find Ratings ReportsPINNACLE FINL PARTNERS INC's gross profit margin for the fourth quarter of its fiscal year 2023 has significantly decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 9.35% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 731.05 | 533.5 |
EBITDA ($mil) | 215.84 | 215.85 |
EBIT ($mil) | 215.84 | 215.85 |
Net Income ($mil) | 94.98 | 137.85 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 2788.36 | 1690.66 |
Total Assets ($mil) | 47959.88 | 41970.02 |
Total Debt ($mil) | 3079.69 | 1218.97 |
Equity ($mil) | 6035.79 | 5519.39 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 52.96 | 70.66 |
EBITDA Margin | 29.52 | 40.45 |
Operating Margin | 29.52 | 40.46 |
Sales Turnover | 0.06 | 0.04 |
Return on Assets | 1.17 | 1.33 |
Return on Equity | 9.06 | 9.88 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.34 | 0.18 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 76.77 | 76.45 |
Div / share | 0.22 | 0.22 |
EPS | 1.19 | 1.76 |
Book value / share | 78.62 | 72.19 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 483188.0 | 465942.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.02 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, PINNACLE FINL PARTNERS INC proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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PNFP 11.18 | Peers 17.75 | PNFP 12.88 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. PNFP is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. PNFP is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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PNFP 10.13 | Peers 13.86 | PNFP NM | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. PNFP is trading at a discount to its peers. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. PNFP's negative PEG ratio makes this valuation measure meaningless. |
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Price/Book |
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Earnings Growth |
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PNFP 1.02 | Peers 8.64 | PNFP 0.00 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. PNFP is trading at a significant discount to its peers. |
Neutral. Higher earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. The growth rate for PNFP is not available. |
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Price/Sales |
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Sales Growth |
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PNFP 2.28 | Peers 4.87 | PNFP 51.75 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. PNFP is trading at a significant discount to its subsector on this measurement. |
Higher. A sales growth rate that exceeds the subsector implies that a company is gaining market share. PNFP has a sales growth rate that exceeds its peers. |
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