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PNFPPinnacle Financial Partners, InHold6.4·$96.30+2.73%
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Pinnacle Financial Partners, In (PNFP) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $96.30, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.8%.

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

$96.30+8.8% A.UpsideScore 6.4/10#16 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield1.54%(5y avg 1.04%)Payout16.97%sustainable
Stop $91.06Target $104.87(analyst − 10%)A.R:R 1.6:1
Analyst target$116.53+21.0%19 analysts
$104.87our TP
$96.30price
$116.53mean
$130

Hold if already holding. Not a fresh buy at $96.30, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.8%. Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.4/10, moderate confidence.

Passes 6/7 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, earnings proximity 38d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: moderate.

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

Recent developments

updated 2026-06-14
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 22, 202638d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Strong growth profile
Risks
Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%)
Thin upside margin: 8.8%
Negative momentum

Key Metrics

P/E (TTM)13.4
P/E (Fwd)8.2
Mkt Cap$14.6B
EV/EBITDA
Profit Mgn24.7%
ROE6.2%
Rev Growth156.4%
Beta1.04
Dividend1.54%
Rating analysts25

Quality Signals

Piotroski F8/9

Options Flow

P/C0.45bullish
IV81%elevated
Max Pain$130+35.0% 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.

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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

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

Macd
0.0
Obv
1.0
Volume
3.9
Rsi
5.5
Ma Position
9.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.9<4.5A.R:R 1.6 ≥ 1.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 38d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
48 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $91.74Resistance $99.33

Price Targets

$91
$105
A.Upside+8.9%
A.R:R1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! momentum at 3.9 (below the engine's 4.5 threshold)

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-22 (38d)

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 $96.30, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.8%. Chart setup: RSI 48 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $104.87 (+8.9%), stop $91.06 (−5.8%), A.R:R 1.6:1. Score 6.4/10, moderate confidence.

What is the PNFP stock price target?

Take-profit target: $104.87 (+8.8% upside). Target $104.87 (+8.9%), stop $91.06 (−5.8%), A.R:R 1.6:1. Stop-loss: $91.06.

What are the risks of investing in PNFP?

Concentration risk — Loan Portfolio: commercial and industrial loans (41.8%); Thin upside margin: 8.8%; Negative momentum.

Is PNFP overvalued or undervalued?

Pinnacle Financial Partners, In trades at a P/E of 13.4 (forward 8.2). 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 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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