Pinnacle Financial Partners (PNFP)
NYSE:PNFP
Want to see PNFP full AI Analyst Report?
PNFP Stock Chart & Stats
$97.06
$0.25(0.21%)
At close: 4:00 PM EST
$97.06
$0.25(0.21%)
Day’s Range― - ―
52-Week Range$81.08 - $120.46
Previous CloseN/A
Volume82.91K
Average Volume (3M)1.20M
Market Cap
$14.52B
Enterprise Value$7.48B
Total Cash (Recent Filing)$6.17B
Total Debt (Recent Filing)$6.05B
Price to Earnings (P/E)11.3
Beta1.30
Next Earnings
Jul 22, 2026EPS Estimate
2.5Next Dividend Ex-DateN/A
Dividend Yield0.95%
Share Statistics
EPS (TTM)8.12
Shares Outstanding151,106,810
10 Day Avg. Volume1,565,337
30 Day Avg. Volume1,202,437
Financial Highlights & Ratios
PEG Ratio0.33
Price to Book (P/B)1.04
Price to Sales (P/S)2.51
P/FCF Ratio11.03
Enterprise Value/Market Cap0.51
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit2.72
Enterprise Value/Ebitda8.53
Forecast
1Y Price Target
$116.08Price Target Upside19.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering14
EPS Forecast (FY)10.28
Revenue Forecast (FY)$5.06B
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained, high free cash flow that closely tracks earnings (TTM FCF ~0.98x net income) strengthens the bank's ability to fund organic loan growth, rebuild capital, pay dividends, and finance integration costs without relying solely on external capital — a durable support for strategy.
Revenue & Fee MomentumRobust top-line acceleration and diversified fee growth (wealth, treasury, capital markets) reduce dependence on interest spreads. Durable fee expansion enhances earnings stability across rate cycles, funds investment in producers and systems, and supports margin resilience over the medium term.
Scale From Synovus MergerThe combined balance sheet materially increases regional scale, improving commercial lending capacity, cross-sell potential across wealth and treasury products, recruiting leverage, and capital markets access. Scale enhances structural competitiveness and potential to deliver long‑run revenue and cost synergies.
Bears Say
CET1 Capital ShortfallA CET1 ratio below policy constrains capital flexibility: management must prioritize retained earnings, potential capital issuance or risk transfers, and slower buybacks/dividends until rebuilt. This limits strategic optionality and increases execution risk over the next several quarters.
Large Merger-related ChargesMaterial one-time and ongoing merger/LFI charges depress reported earnings, consume capital and cash, and delay net benefit realization. Persistent expense drag and phased synergy capture mean several quarters of elevated cost base and pressure on reported returns despite adjusted improvement.
Lower Profitability Vs. Prior CycleA structurally lower margin profile and faster asset growth reduce returns on equity versus prior cycle highs. Increased absolute leverage and asset expansion raise sensitivity to credit and funding stress, making sustained margin restoration essential to justify balance-sheet growth.
Pinnacle Financial Partners News
PNFP FAQ
What was Pinnacle Financial Partners’s price range in the past 12 months?
Pinnacle Financial Partners lowest stock price was $81.08 and its highest was $120.45 in the past 12 months.
What is Pinnacle Financial Partners’s market cap?
Pinnacle Financial Partners’s market cap is $14.52B.
When is Pinnacle Financial Partners’s upcoming earnings report date?
Pinnacle Financial Partners’s upcoming earnings report date is Jul 22, 2026 which is in 31 days.
How were Pinnacle Financial Partners’s earnings last quarter?
Pinnacle Financial Partners released its earnings results on Apr 22, 2026. The company reported $2.39 earnings per share for the quarter, beating the consensus estimate of $2.325 by $0.065.
Is Pinnacle Financial Partners overvalued?
According to Wall Street analysts Pinnacle Financial Partners’s price is currently Undervalued.
Does Pinnacle Financial Partners pay dividends?
Pinnacle Financial Partners pays a Quarterly dividend of $0.5 which represents an annual dividend yield of 0.95%. See more information on Pinnacle Financial Partners dividends here
What is Pinnacle Financial Partners’s EPS estimate?
Pinnacle Financial Partners’s EPS estimate is 2.5.
How many shares outstanding does Pinnacle Financial Partners have?
Pinnacle Financial Partners has 151,106,810 shares outstanding.
What happened to Pinnacle Financial Partners’s price movement after its last earnings report?
Pinnacle Financial Partners reported an EPS of $2.39 in its last earnings report, beating expectations of $2.325. Following the earnings report the stock price went up 3.499%.
Which hedge fund is a major shareholder of Pinnacle Financial Partners?
Currently, no hedge funds are holding shares in PNFP
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Pinnacle Financial Partners Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$116.08 (19.60% Upside)
$116.08 (19.60% Upside)
Blogger Sentiment
Bullish
PNFP Sentiment 67%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 1.1M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 3.4%
Last 30 Days ▼ 3.4%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-5.75%
12-Months-Change
Fundamentals
Return on Equity
7.42%
Trailing 12-Months
Asset Growth
126.28%
Trailing 12-Months
Company Description
Pinnacle Financial Partners
Pinnacle Financial Partners, Inc. functions as a bank holding company, overseeing Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States. The company facilitates various types of deposit accounts for its clients, including savings accounts, standard checking accounts (both interest-bearing and noninterest-bearing), money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering commercial loans for purposes like equipment financing and working capital, along with commercial real estate loans for investment properties and business ventures backed by real estate. For individual clients, Pinnacle Bank offers secured and unsecured installment loans, term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. Additionally, it issues credit cards for both consumers and businesses. Beyond traditional banking, Pinnacle Financial Partners provides a suite of securities and other financial offerings, diverse investment products, and comprehensive brokerage and investment advisory programs. It also specializes in fiduciary and investment management services, catering to personal trusts, endowments, foundations, individual retirement accounts (IRAs), pensions, and custody arrangements. Further expanding its services, the company operates an insurance agency, predominantly focusing on property and casualty coverage. It also offers expert advice on mergers and acquisitions, and provides specialized advisory services for private debt, equity, mezzanine financing, and other middle-market transactions. For day-to-day banking needs, Pinnacle offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit, remote and mobile deposit capture options, automated teller machines (ATMs), and various cash management services. Its diverse clientele includes individuals, small to medium-sized businesses, and professional organizations. As of December 31, 2020, the company maintained a network of 114 offices: 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was established in 2000 and its main corporate office is located in Nashville, Tennessee.
PNFP Company Deck
PNFP Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operational and commercial performance in the first quarter post‑merger: robust organic loan and core deposit growth, margin expansion, material fee revenue growth, rapid recruiting and early synergy realization. Key near‑term negatives are sizable merger-related charges that depressed reported EPS, CET1 below target (9.8%), a reserve build driven by cautious economic assumptions and a modest reduction in near‑term BHG revenue guidance. Management reiterated full‑year guidance and emphasized integration progress, culture strength and confidence in execution, leading to an overall constructive outlook.View all PNFP earnings summariesPNFP Stock 12 Month Forecast
Average Price Target
$116.08
▲(19.60% Upside)
Technical Analysis
Ownership Overview
1.18% Insiders
22.49% Mutual Funds
14.00% Other Institutional Investors
36.76% Public Companies and Individual Investors