---
title: Pinnacle Financial (PNFP) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/pnfp
ticker: PNFP
tier: Regional
as_of: 2026-10-16
---
# Pinnacle Financial (PNFP) — bank health

Pinnacle Financial, Regional, trades at 1.51× tangible book against a 9.1% return on tangible common equity, a 74% premium to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | PNFP | Regional average (10) |
| --- | ---: | ---: |
| Price | $94.72 |  |
| P/TBV | 1.51× |  |
| Tangible book per share | $62.87 |  |
| P/E | 12.0 |  |
| EPS (TTM) | $7.92 |  |
| Dividend per share (TTM) | $1.74 |  |
| Dividend yield | 1.8% |  |
| Payout | 22.0% |  |
| ROTCE | 9.1% | 14.4% |
| ROA | 0.67% |  |
| Efficiency ratio | 69.4% | 61.0% |
| Net interest income share | 80.3% | 75.4% |
| Credit cost | 2.20% | 4.68% |
| AOCI / TCE | -2.6% | -12.0% |
| CET1 | 9.9% |  |
| CET1 requirement | 7.0% |  |
| Total assets | $129.1B |  |
| Leverage (assets / TCE) | 13.6× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 1.01× / 0.87× / 0.76× |  |

## Lights

No light is on.

## Data notes

- Quarter ending 2025-09-30 excluded: revenue < interestIncome; costOfRevenue < interestExpense (beyond a 3%-of-revenue release).
- TTM figures are 3 quarters annualized (× 4/3).

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Source: https://sweetvaluelab.com/tools/banks/pnfp (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.