PNFP-PB

PNFP-PB — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

ModelIntrinsic Valuevs Price ($26.14)
DCF$1048823040.00+4011562493.2%
Graham Number
Reverse DCF
DDM$43.26+65.5%
EV/EBITDA

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: —
Rev: 14.0% / EPS: 12.0%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$1048823040.00
Current Price$26.14
Upside / Downside+4011562493.2%
Net Debt (used)-$1.05B
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term6.0%10.0%14.0%18.0%22.0%
7.0%$1048823040.00$1048823040.00$1048823040.00$1048823040.00$1048823040.00
8.0%$1048823040.00$1048823040.00$1048823040.00$1048823040.00$1048823040.00
9.0%$1048823040.00$1048823040.00$1048823040.00$1048823040.00$1048823040.00
10.0%$1048823040.00$1048823040.00$1048823040.00$1048823040.00$1048823040.00
11.0%$1048823040.00$1048823040.00$1048823040.00$1048823040.00$1048823040.00

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: —
Yahoo: $88.65

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative.
Graham Number
Current Price$26.14
Margin of Safety
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Reverse DCF requires positive TTM free cash flow.
Current Price$26.14
Implied Near-term FCF Growth
Historical Revenue Growth14.0%
Historical Earnings Growth12.0%
Base FCF (TTM)
Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Yahoo: $2.10

Results

DDM Intrinsic Value / share$43.26
Current Price$26.14
Upside / Downside+65.5%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: —
Current: —×
Default: -$1.05B

Results

Implied Equity Value / share$1048823040.00
Current Price$26.14
Upside / Downside+4011562493.2%
Implied EV$0