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PNFPPinnacle Financial Partners, InHold6.8·$98.25+2.26%
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Pinnacle Financial Partners, In (PNFP) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $98.25, but acceptable to hold if already in. Reason: Thin upside margin: 6.7%.

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

$98.25+6.7% A.UpsideScore 6.8/10#4 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield1.54%(5y avg 1.04%)Payout16.97%sustainable
Stop $92.69Target $104.87(analyst − 10%)A.R:R 1.0:1
Analyst target$116.53+18.6%19 analysts
$104.87our TP
$98.25price
$116.53mean
$130

Hold if already holding. Not a fresh buy at $98.25, but acceptable to hold if already in. Reason: Thin upside margin: 6.7%. Chart setup: Golden cross, above all MAs, RSI 51, MACD bullish. Maintain position. Not compelling to add more. Score 6.8/10, moderate confidence.

Passes 6/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 36d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-17
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 22, 202636d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Strong growth profile
Risks
Thin upside margin: 6.7%

Key Metrics

P/E (TTM)13.4
P/E (Fwd)8.1
Mkt Cap$14.5B
EV/EBITDA
Profit Mgn24.7%
ROE6.2%
Rev Growth156.4%
Beta1.04
Dividend1.54%
Rating analysts25

Quality Signals

Piotroski F8/9

Options Flow

P/C0.36bullish
IV53%elevated
Max Pain$130+32.3% vs spot

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 States
    10-K Item 1A: 'Our operations are principally geographically concentrated in certain markets in the southeastern United States'
  • MEDIUMcounterpartyBHG
    10-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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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance
1.4
Bollinger
1.7
Gap
5.0
52w Position
6.6
GatesA.R:R 1.0 < 1.5@spotMomentum 8.1>=5.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 36d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
51 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $91.74Resistance $99.33

Price Targets

$93
$105
A.Upside+6.7%
A.R:R1.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! asymmetry at 1.0 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-22 (36d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PNFP stock a buy right now?

Hold if already holding. Not a fresh buy at $98.25, but acceptable to hold if already in. Reason: Thin upside margin: 6.7%. Chart setup: Golden cross, above all MAs, RSI 51, MACD bullish. Maintain position. Not compelling to add more. Target $104.87 (+6.7%), stop $92.69 (−6.0%), A.R:R 1.0:1. Score 6.8/10, moderate confidence.

What is the PNFP stock price target?

Take-profit target: $104.87 (+6.7% upside). Target $104.87 (+6.7%), stop $92.69 (−6.0%), A.R:R 1.0:1. Stop-loss: $92.69.

What are the risks of investing in PNFP?

Thin upside margin: 6.7%.

Is PNFP overvalued or undervalued?

Pinnacle Financial Partners, In trades at a P/E of 13.4 (forward 8.1). TrendMatrix value score: 8.1/10. Verdict: Hold.

What do analysts say about PNFP?

25 analysts cover PNFP with a consensus score of 4.0/5. Average price target: $117.

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.

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