PNFP (PNFP)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$26.34B
EV / Sales5.37
EV / EBITDA24.53
EV / Operating Cash Flow15.44
EV / Free Cash Flow15.62

Return Metrics (TTM)

Return on Equity (ROE)7.58%
Return on Assets (ROA)0.64%
Return on Invested Capital (ROIC)0.64%
Return on Capital Employed (ROCE)0.80%

Yield Metrics

Earnings Yield5.16%
Free Cash Flow Yield10.61%

Balance Sheet Strength

Net Debt / EBITDA9.73
Current Ratio0.76
Working Capital-$202.00M
Tangible Asset Value$10.30B
Net Current Asset Value-$113.58B

Working Capital Efficiency

Days Sales Outstanding0.00
Days Payables Outstanding0.00
Operating Cycle (Days)0.00
Cash Conversion Cycle0.00

Capital Allocation

CapEx / Revenue0.41%
CapEx / Operating Cash Flow1.18%
R&D / Revenue0.00%
SG&A / Revenue33.87%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin65.91%
Operating Margin26.69%
Net Profit Margin21.97%

Solvency

Debt / Equity0.36
Quick Ratio1.07
Cash Ratio0.07

Per Share

Revenue / Share$37.99
FCF / Share$8.65
PE Ratio11.71