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Pinnacle Financial Partners, In (PNFP) Stock Analysis

Range Bound setup

Buy WaitModerate Confidence

Financial Services · Banks - Regional

Wait for pullback to $93.98. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $96.42. Engine's entry $93.98 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.9%.

Pinnacle Financial Partners is a financial holding company with approximately $57.7 billion in total assets, operating 141 offices across TN, NC, SC, VA, GA, AL, KY, MD, and FL serving small-to-medium businesses in the southeastern U.S. Revenue is earned from commercial banking,... Read more

$96.42+11.6% A.UpsideScore 6.4/10#13 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield1.57%(5y avg 1.03%)Payout16.97%sustainable
Entry $93.98(Atr Pullback Sticky)Stop $89.33Target $105.20(analyst − 10%)A.R:R 1.8:1Setup A.R:R 2.5:1
Analyst target$116.89+21.2%18 analysts
$105.20our TP
$96.42price
$116.89mean
$130

Wait for pullback to $93.98. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $96.42. Engine's entry $93.98 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.9%. Chart setup: RSI 43 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.4/10, moderate confidence.

Passes 6/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, earnings proximity 55d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: moderate.

Val8.1Qual5.3Grw10.0Mom2.3Sent7.5Ins5.0Peer4.6Tech5.6Risk6.76.4OVERALL

Recent Developments — Pinnacle Financial Partners, In

Latest news

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (3/4)
Positive news sentiment (+0.67)
Risks
Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%)
Thin upside margin: 8.9%
V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3)

Key Metrics

P/E (TTM)13.1
P/E (Fwd)8.0
Mkt Cap$14.3B
EV/EBITDA—
Profit Mgn24.7%
ROE6.2%
Rev Growth156.4%
Beta1.06
Dividend1.57%
Rating analysts24

Quality Signals

Piotroski F8/9

Options Flow

P/C0.09bullish
IV39%normal
Max Pain$65-32.6% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliocommercial and industrial loans42%
    10-K Item 1A: 'our 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'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

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

Macd
0.0
Volume
0.0
Obv
1.0
Ma Position
5.0
Rsi
5.5
Volume distribution (falling OBV)Above 200-MA but MA slope flat
GatesMomentum 2.3<4.5Death cross (50MA < 200MA)A.R:R 1.8 ≥ 1.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 55d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
43 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MADEATH CROSSSupport $92.66Resistance $101.25

Price Targets

$89
$94
$105
A.Upside+9.1%
A.R:R1.8:1
Setup A.R:R (at entry)2.5:1

Position Sizing

ConvictionMedium conviction
Suggested %0.6%
Max %1.1%
RegimeRisk-Off

Risk Alerts

! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Momentum score 2.3/10 — below 4.5 minimum
! Death cross — 50-day MA below 200-day MA

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-14 (55d)

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?

Wait for pullback to $93.98. Weak momentum; also below 200-day MA (death cross) — blocks BUY_NOW at $96.42. Engine's entry $93.98 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.9%. Chart setup: RSI 43 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $105.20 (+9.1%), stop $89.33 (−7.9%), Setup A.R:R 2.5:1. Score 6.4/10, moderate confidence.

What is the PNFP stock price target?

Take-profit target: $105.20 (+11.6% upside). Target $105.20 (+9.1%), stop $89.33 (−7.9%), Setup A.R:R 2.5:1. Stop-loss: $89.33.

What are the risks of investing in PNFP?

Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.9%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).

Is PNFP overvalued or undervalued?

Pinnacle Financial Partners, In trades at a P/E of 13.1 (forward 8.0). TrendMatrix value score: 8.1/10. Verdict: Buy (Wait for Entry).

What do analysts say about PNFP?

24 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 is a financial holding company with approximately $57.7 billion in total assets, operating...

Pinnacle Financial Partners is a financial holding company with approximately $57.7 billion in total assets, operating 141 offices across TN, NC, SC, VA, GA, AL, KY, MD, and FL serving small-to-medium businesses in the southeastern U.S. Revenue is earned from commercial banking, trust, insurance, and capital markets services; the company completed its merger with Synovus effective January 1, 2026.

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