Skip to main content

Pinnacle Financial Partners, In (PNFP) Stock Analysis

Momentum Cont setup

Buy WaitModerate Confidence

Financial Services · Banks - Regional

Wait for pullback to $90.82. At $99.42 the A.R:R is 0.3:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $90.82 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 4.6%.

Pinnacle Financial Partners is a financial holding company headquartered in Nashville, Tennessee with approximately $57.7 billion in total assets as of December 31, 2025, operating 141 offices across the southeastern U.S. On January 1, 2026, it completed a merger with Synovus... Read more

$99.42+10.1% A.UpsideScore 6.6/10#3 of 142 Banks - Regional
Entry $90.82(Default 5pct Sticky)Stop $85.19Target $104.05(analyst − 10%)A.R:R 0.3:1Setup A.R:R 1.7:1
Analyst target$115.61+16.3%18 analysts
$104.05our TP
$99.42price
$115.61mean
$95
$130

Wait for pullback to $90.82. At $99.42 the A.R:R is 0.3:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $90.82 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 4.6%. Chart setup: Trend continuation, RSI 65, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.6/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.40, news boost analyst cluster(4), earnings proximity 75d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Val7.9Qual5.1Grw10.0Mom6.6Sent7.4Ins5.0Peer4.7Tech2.9Risk6.86.6OVERALL

Thesis

Rewards
Strong earnings beat streak (3/4)
Positive news sentiment (+0.83)
Attractive valuation
Risks
Thin upside margin: 4.6%

Key Metrics

P/E (TTM)12.5
P/E (Fwd)8.3
Mkt Cap$14.7B
EV/EBITDA—
Profit Mgn24.7%
ROE6.2%
Rev Growth155.9%
Beta1.00
Dividend1.51%
Rating analysts25

Quality Signals

Piotroski F7/9

Options Flow

P/C0.63bullish
IV63%elevated
Max Pain$140+40.8% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMGeographicsoutheastern United States
    10-K Item 1A: 'Our operations are principally geographically concentrated in certain markets in the southeastern United States, and changes in local economic conditions could impact our profitability.'
  • MEDIUMTenantcommercial and industrial loans42%
    10-K Item 1A: 'our commercial and industrial loans accounted for approximately 41.8% of our total loans.'

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

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

Support Resistance
0.3
Bollinger
1.8
52w Position
6.7
GatesA.R:R 0.3 < 1.5@spotDeath cross (50MA < 200MA)Momentum 6.6>=5.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.40NEWS BOOST ANALYST CLUSTER(4)EARNINGS PROXIMITY 75d clearSEMI CYCLE PEAK CLEARMomentum ContSuitability: Moderate
RSI
65 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MADEATH CROSSSupport $85.24Resistance $99.93

Price Targets

$85
$91
$104
A.Upside+4.7%
A.R:R0.3:1
Setup A.R:R (at entry)1.7:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Reward/Risk 0.3:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-14 (75d)

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 $90.82. At $99.42 the A.R:R is 0.3:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $90.82 (Default 5pct Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Thin upside margin: 4.6%. Chart setup: Trend continuation, RSI 65, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $104.05 (+4.7%), stop $85.19 (−16.7%), Setup A.R:R 1.7:1. Score 6.6/10, moderate confidence.

What is the PNFP stock price target?

Take-profit target: $104.05 (+10.1% upside). Target $104.05 (+4.7%), stop $85.19 (−16.7%), Setup A.R:R 1.7:1. Stop-loss: $85.19.

What are the risks of investing in PNFP?

Thin upside margin: 4.6%.

Is PNFP overvalued or undervalued?

Pinnacle Financial Partners, In trades at a P/E of 12.5 (forward 8.3). TrendMatrix value score: 7.9/10. Verdict: Buy (Wait for Entry).

What do analysts say about PNFP?

25 analysts cover PNFP with a consensus score of 4.0/5. Average price target: $116.

What does Pinnacle Financial Partners, In do?Pinnacle Financial Partners is a financial holding company headquartered in Nashville, Tennessee with approximately...

Pinnacle Financial Partners is a financial holding company headquartered in Nashville, Tennessee with approximately $57.7 billion in total assets as of December 31, 2025, operating 141 offices across the southeastern U.S. On January 1, 2026, it completed a merger with Synovus Financial, creating a combined entity now headquartered in Atlanta, Georgia and named Pinnacle Financial Partners, Inc.

Related stocks: CUBI (Customers Bancorp, Inc) · VLYPO (Valley National Bancorp - 5.5% ) · SSB (SouthState Bank Corporation) · VLYPP (Valley National Bancorp - 6.25%) · FIBK (First Interstate BancSystem, In)