Pinnacle Financial Partners, Inc. Financial Ratios — PNFPP

Profitability (USD)

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Return on Common Equity (%)	-47.24	59.74	39.01	38.54	33.99	34.32	34.07	33.97	47.69	36.92	22.21	29.91	25.03	20.72	15.04
Return on Assets (%)	-0.48	0.9	0.85	1.09	1.22	1.3	1.28	1.04	1.52	1.52	1	1.44	1.39	1.25	0.94
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	6.36	6.16	5.18	4.31	3.93	3.56	0.05	-3.8	-2.81	0.93	4.52	4.77	4.78	5.69	6.48
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-11.01	16.04	31.74	40	44.78	49.54	48.76	47.9	53.62	55.68	37.14	58.35	53.46	51.61	38.21
Profit Margin (%)	-13.45	24.61	21.26	26.89	29.87	33.07	32.41	27.97	42.83	44.87	31.24	47.2	42.98	40.64	31.23
Net Income to Common Margin (%)	-16.11	22.02	20.42	26.89	29.87	33.07	32.41	27.97	42.83	44.87	30.48	45.84	41.82	39.54	30.23
Effective Tax Rate (%)	- -	- -	33.02	32.79	33.3	33.26	33.52	41.62	20.12	19.43	15.9	19.11	19.61	21.27	18.26
Dvd Payout Ratio (%)	0.23	0.73	1.16	4.88	16.17	19.17	19.43	20.64	12.65	12.43	16.21	10.84	12.5	12.57	15.01
Sustainable Growth Rate (%)	-47.13	59.3	38.56	36.66	28.49	27.74	27.45	26.96	41.66	32.33	18.61	26.67	21.9	18.12	12.78

Credit (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Debt	219	324	182	189	292	442	757	1,785	1,929	2,812	1,759	1,312	888	2,563	2,300
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	219	324	182	189	292	442	757	1,785	1,929	2,812	1,759	1,312	888	2,563	2,300
Total Debt/EBITDA	19.03	29.55	17.83	20.47	31.42	43.04	4,070.28	-75.6	-81.71	337.04	38.9	24.63	14.26	32.57	23.33
Net Debt/EBITDA	3.27	13.89	1.82	-1.62	11.71	14.38	3,090.38	-47.96	-53.99	292.85	-43.52	-50.83	-4.13	5.33	-10.57
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.95	1.73	2.42	3.19	3.94	3.67	3.82	2.69	3.64	4.53	4.25	5.04	5.76	5.97	6.19
Long-Term Debt/Equity (%)	32.31	45.56	26.8	26.16	36.33	38.24	50.58	48.15	48.63	64.55	35.85	24.7	16.1	42.47	35.76
Long-Term Debt/Capital (%)	61.39	67.86	59.85	51.61	55.16	58.04	63.91	74.95	67.93	69.04	50.84	37.81	25.21	45.43	39.86
Long-Term Debt/Total Assets (%)	4.46	6.65	3.61	3.4	4.85	5.07	6.76	8.04	7.71	10.11	5.03	3.41	2.12	5.34	4.37
Total Debt/Equity (%)	32.31	45.56	26.8	26.16	36.33	38.24	50.58	48.15	48.63	64.55	35.85	24.7	16.1	42.47	35.76
Total Debt/Capital (%)	61.39	67.86	59.85	51.61	55.16	58.04	63.91	74.95	67.93	69.04	50.84	37.81	25.21	45.43	39.86
Total Debt/Total Assets (%)	4.46	6.65	3.61	3.4	4.85	5.07	6.76	8.04	7.71	10.11	5.03	3.41	2.12	5.34	4.37
Net Debt to Equity	5.55	21.42	2.73	-2.07	13.54	12.78	38.41	30.55	32.13	56.09	-40.11	-50.98	-4.66	6.95	-16.21
Net Debt/Capital (%)	21.44	49.82	13.18	-9.23	31.44	31.6	57.35	65.49	58.32	65.96	738.59	492.61	-10.83	11.99	-42.93
EBITDA	12	11	10	9	9	10	- -	-24	-24	8	45	53	62	79	99
EBITDA-CapEx	2	9	4	4	3	-1	-17	-77	-47	-34	5	30	-2	- -	2
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	0.95	1.73	2.42	3.19	3.94	3.67	3.82	2.69	3.64	4.53	4.25	5.04	5.76	5.97	6.19
Long-Term Debt/Equity (%)	32.31	45.56	26.8	26.16	36.33	38.24	50.58	48.15	48.63	64.55	35.85	24.7	16.1	42.47	35.76
Long-Term Debt/Capital (%)	61.39	67.86	59.85	51.61	55.16	58.04	63.91	74.95	67.93	69.04	50.84	37.81	25.21	45.43	39.86
Long-Term Debt/Total Assets (%)	4.46	6.65	3.61	3.4	4.85	5.07	6.76	8.04	7.71	10.11	5.03	3.41	2.12	5.34	4.37
Total Debt/Equity (%)	32.31	45.56	26.8	26.16	36.33	38.24	50.58	48.15	48.63	64.55	35.85	24.7	16.1	42.47	35.76
Total Debt/Capital (%)	61.39	67.86	59.85	51.61	55.16	58.04	63.91	74.95	67.93	69.04	50.84	37.81	25.21	45.43	39.86
Total Debt/Total Assets (%)	4.46	6.65	3.61	3.4	4.85	5.07	6.76	8.04	7.71	10.11	5.03	3.41	2.12	5.34	4.37
CFO/Total Liabilities	3.06	2.72	2.62	2.61	1.82	1.12	1.57	0.9	2.23	1.84	1.42	1.98	1.66	1.14	1.96
CFO/CapEx	13.52	55.67	19.49	23.88	16.17	7.78	8.93	3.1	19.83	10.24	10.73	28.37	9.4	6.11	9.32
Altman's Z-Score	0.04	0.05	0.07	0.08	0.09	0.08	0.09	0.07	0.09	0.1	0.09	0.1	0.11	0.11	0.12

Working Capital (USD)

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	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Accounts Receivable Turnover	10.19	11.25	13.09	14.19	14.57	14.98	15.76	14.52	12.24	10.89	10.61	11.01	10.04	7.31	7.05
Days Sales Outstanding	35.8	32.46	27.88	25.73	25.06	24.37	23.16	25.13	29.82	33.52	34.41	33.14	36.37	49.96	51.77
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	181	171	163	204	183	294	182	653	654	369	3,726	4,019	1,146	2,143	3,342
+ Preferred Equity and Hybrid Capital	91	69	- -	- -	- -	- -	- -	- -	- -	- -	217	217	217	217	217
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	219	324	182	189	292	442	757	1,785	1,929	2,812	1,759	1,312	888	2,563	2,300
Enterprise Value	128	-674	-688	-708	-623	-787	-724	-1,383	-1,809	-1,097	-5,337	-7,404	-3,599	-3,681	-6,408
Total Capital	357	477	304	367	529	761	1,185	2,382	2,839	4,072	3,459	3,469	3,524	5,642	5,770
Total Debt/Capital (%)	61.39	67.86	59.85	51.61	55.16	58.04	63.91	74.95	67.93	69.04	50.84	37.81	25.21	45.43	39.86
Total Debt / EV	1.71	-0.48	-0.26	-0.27	-0.47	-0.56	-1.05	-1.29	-1.07	-2.56	-0.33	-0.18	-0.25	-0.7	-0.36
EV/Sales	0.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	11.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.99	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	0.92	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	128	221	19	-15	109	148	575	1,133	1,274	2,443	-1,750	-2,490	-40	637	-825
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	181	178	197	215	236	289	392	622	839	893	1,000	1,117	1,305	1,383	1,521
TTM EBITDA	12	11	10	9	9	10	- -	-24	-24	8	45	53	62	79	99
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	130	113	114	126	95	85	152	166	471	431	427	657	605	478	904
TTM Free Cash Flow to Firm	139	115	120	132	101	95	169	219	494	474	467	681	669	557	1,001

Multiples (USD)

API ChatGPT

	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2010	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	128	-674	-688	-708	-623	-787	-724	-1,383	-1,809	-1,097	-5,337	-7,404	-3,599	-3,681	-6,408
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.65	26.8	23.01	19.37	22.6
EV/Sales	0.71	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	11.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.71	1.24	0.09	- -	0.46	0.51	1.46	1.82	1.52	2.73	- -	- -	- -	0.46	- -
EV/Sales High	0.71	1.24	0.09	- -	0.46	0.51	1.46	1.82	1.52	2.73	- -	- -	- -	0.46	- -
EV/Sales Low	0.71	1.24	0.09	- -	0.46	0.51	1.46	1.82	1.52	2.73	- -	- -	- -	0.46	- -
EV/EBITDA Average	11.16	20.2	1.82	-1.62	11.71	14.38	3,090.38	-47.96	-53.99	292.85	-38.71	-46.76	-0.65	8.09	-8.37
EV/EBITDA High	11.16	20.2	1.82	-1.62	11.71	14.38	3,090.38	-47.96	-53.99	292.85	-38.71	-46.76	-0.65	8.09	-8.37
EV/EBITDA Low	11.16	20.2	1.82	-1.62	11.71	14.38	3,090.38	-47.96	-53.99	292.85	-38.71	-46.76	-0.65	8.09	-8.37
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.69	28.21	25.35	22.6	24.23
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	27.99	31.48	28.7	26.61	25.16
Enterprise Value Average	128	221	19	-15	109	148	575	1,133	1,274	2,443	-1,750	-2,490	-40	637	-825
Enterprise Value High	128	221	19	-15	109	148	575	1,133	1,274	2,443	-1,750	-2,490	-40	637	-825
Enterprise Value Low	128	221	19	-15	109	148	575	1,133	1,274	2,443	-1,750	-2,490	-40	637	-825

Shares Outstanding	34	34	35	35	36	41	46	78	78	76	76	76	76	77	77
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Pinnacle Financial Partners, Inc.

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