Pinnacle Financial Partners is a regional bank with 156% year-over-year earnings growth, an attractive forward P/E of 8.1x with a PEG of 0.13, and an industry-leading growth score of 10/10 — trading at a modest 9.2% implied upside with acceptable asymmetry for a cautious hold position.
Thesis pillars
- Exceptional Earnings Growth→Stable
- Attractive Valuation For Growth→Stable
- Earnings Beat Track Record→Stable
- +1 more pillar — see the Why tab for full reasoning
Pinnacle Financial Partners, In (PNFP) Stock Analysis
Breakout setup · Catalyst-Driven edge
Financial Services · Banks - Regional
Wait for pullback to $97.04. At $100.28 the A.R:R is 0.7:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $97.04 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 6.0%.
Pinnacle Financial Partners, headquartered in Nashville, Tennessee, held approximately $57.7 billion in total assets at December 31, 2025, operating 141 banking offices across southeastern and mid-Atlantic states including Tennessee, North Carolina, and South Carolina. Revenue... Read more
Wait for pullback to $97.04. At $100.28 the A.R:R is 0.7:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $97.04 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 6.0%. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.5/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 17d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent developments
updated 2026-07-07Recent Developments — Pinnacle Financial Partners, In
Latest news
- NEWS PNFP Maintains Rating by Evercore ISI Group -- Price Target Rais - GuruFocus — GuruFocus positive
- NEWS Pinnacle Financial Partners (PNFP) Earnings Date and Reports 2026 - MarketBeat — MarketBeat neutral
- NEWS Pinnacle Financial Partners (PNFP) Could Be 18% Undervalued As It Opens New Atlanta Headquarters - simplywall.st — simplywall.st positive
- NEWS Pinnacle Financial (PNFP) Q1 Earnings and Revenues Beat Estimates - Yahoo Finance — Yahoo Finance positive
- NEWS Pinnacle Financial Partners (NASDAQ:PNFP) Posts Better-Than-Expected Sales In Q1 CY2026 - StockStory — StockStory positive
Generated 2026-07-07T10:21:37Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfolioC&I loans42%10-K Item 1A: 'commercial and industrial loans accounted for approximately 41.8% of our total loans'
- MEDIUMGeographicsoutheastern United States10-K Item 1A: 'Our operations are principally geographically concentrated in certain markets in the southeastern United States'
- MEDIUMcounterpartyBHG10-K Item 1A: 'BHG's results of operations are a meaningful portion of our results of operations'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
1 floor-breaker·1 ceiling hit
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $97.04. At $100.28 the A.R:R is 0.7:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $97.04 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 6.0%. Chart setup: Golden cross, above all MAs, RSI 64, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $106.29 (+6.0%), stop $91.87 (−9.2%), A.R:R 0.7:1. Score 6.5/10, moderate confidence.
Take-profit target: $106.29 (+8.8% upside). Target $106.29 (+6.0%), stop $91.87 (−9.2%), A.R:R 0.7:1. Stop-loss: $91.87.
Thin upside margin: 6.0%.
Pinnacle Financial Partners, In trades at a P/E of 13.8 (forward 8.4). TrendMatrix value score: 8.0/10. Verdict: Buy (Wait for Entry).
25 analysts cover PNFP with a consensus score of 4.0/5. Average price target: $118.
What does Pinnacle Financial Partners, In do?Pinnacle Financial Partners, headquartered in Nashville, Tennessee, held approximately $57.7 billion in total assets at...
Pinnacle Financial Partners, headquartered in Nashville, Tennessee, held approximately $57.7 billion in total assets at December 31, 2025, operating 141 banking offices across southeastern and mid-Atlantic states including Tennessee, North Carolina, and South Carolina. Revenue comes from commercial and consumer lending, fee-based services, and a 49% equity stake in Bankers Healthcare Group, which provides specialty loans to healthcare practitioners.