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↑Improving
- Attractive Valuation For Growth→Stable
- Earnings Beat Track Record↓Deteriorating
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Mar 2, 2026
Pinnacle Financial Partners, In (PNFP) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $101.71, but acceptable to hold if already in. Reasons: Thin upside margin: 7.4%; 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 $101.71, but acceptable to hold if already in. Reasons: Thin upside margin: 7.4%; 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 6.2/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 89d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Recent developments
updated 2026-10-30Recent Developments — Pinnacle Financial Partners, In
Latest news
- NEWS PNFP Upgraded by Wells Fargo -- Rating Changed to Overweight - GuruFocus — GuruFocus positive
- NEWS Wells Fargo upgrades Pinnacle Financial stock on integration progress By Investing.com - Investing.com India — Investing.com India positive
- NEWS Wells Fargo upgrades Pinnacle Financial stock on integration progress By Investing.com - in.investing.com — in.investing.com positive
- NEWS Wells Fargo upgrades Pinnacle Financial stock on integration progress - Investing.com — Investing.com positive
- NEWS Wells Fargo Upgrades Pinnacle Financial Partners (PNFP) to Overw - GuruFocus — GuruFocus positive
Generated 2026-10-30T11:22:46Z.
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. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
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
Hold if already holding. Not a fresh buy at $101.71, but acceptable to hold if already in. Reasons: Thin upside margin: 7.4%; 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. Analyst target $109.23 (+7.4%), stop $97.25 (−4.6%), A.R:R 0.7:1. Score 6.2/10, moderate confidence.
Analyst target: $109.23 (+7.4% upside). Analyst target $109.23 (+7.4%), stop $97.25 (−4.6%), A.R:R 0.7:1. Stop-loss: $97.25.
Thin upside margin: 7.4%; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3); Overbought (RSI 76).
Pinnacle Financial Partners, In trades at a P/E of 13.6 (forward 8.7). TrendMatrix value score: 8.3/10. Verdict: Hold.
27 analysts cover PNFP with a consensus score of 4.0/5. Average price target: $121.
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.