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
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $101.01, but acceptable to hold if already in. Reasons: Thin upside margin: 6.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
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
Hold if already holding. Not a fresh buy at $101.01, but acceptable to hold if already in. Reasons: Thin upside margin: 6.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.
Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 40d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent developments
updated 2026-09-05Recent 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 Partners (NASDAQ:PNFP) Misses Q2 CY2026 Sales Expectations - TradingView — TradingView negative
- NEWS Pinnacle Financial Partners (NASDAQ:PNFP) Misses Q2 CY2026 Sales Expectations - FinancialContent — FinancialContent negative
Generated 2026-09-05T14:21:57Z.
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
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $101.01, but acceptable to hold if already in. Reasons: Thin upside margin: 6.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $107.33 (+6.3%), stop $96.13 (−5.1%), A.R:R 1.3:1. Score 6.3/10, moderate confidence.
Take-profit target: $107.33 (+6.3% upside). Target $107.33 (+6.3%), stop $96.13 (−5.1%), A.R:R 1.3:1. Stop-loss: $96.13.
Thin upside margin: 6.3%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
Pinnacle Financial Partners, In trades at a P/E of 14.0 (forward 8.9). TrendMatrix value score: 8.1/10. Verdict: Hold.
26 analysts cover PNFP with a consensus score of 4.0/5. Average price target: $119.
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.