PNFP · NYSE · STOCK
Pinnacle Financial Partners (PNFP) Stock Analysis
$94.05
52W $81.08 – $110.33
62/100
$14.27B
11.6
1.03
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is PNFP Bullish or Bearish?
Bullish.
Innellis AI committee rates Pinnacle Financial Partners (PNFP) Buy with a composite score of 62/100
, based on 6 analysts with 67% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.96 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -7.04 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Risk Analyst sees a compelling case — low leverage (debt-to-equity 0.11) -- balance sheet can absorb a shock. Portfolio Manager remains cautious — 2 existing position pair(s) are highly correlated already. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- Price-to-book of 1.1x is a discount to asset value — Value
- Revenue growing 82.7% YoY -- genuine top-line momentum — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.11) -- balance sheet can absorb a shock — Risk
Bear Case
- EPS declining -2.1% YoY despite any revenue growth — Growth
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Price structure making lower highs and lower lows — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 14, 2026
Overall Committee Score
62/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 39%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 1.1x is a discount to asset value
Growth Analyst
neutral
47
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ Revenue growing 82.7% YoY -- genuine top-line momentum
− EPS declining -2.1% YoY despite any revenue growth
Technical Analyst
neutral
49
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.11) -- balance sheet can absorb a shock
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
35
/ 100 · Low confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− 2 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score weakened from 66.6 to 62.0.
- Conviction changed from high to moderate.
- Committee agreement fell notably from 83% to 67%.
- New bearish signals: 2 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Technical Analyst.
Analyst-level changes:
- Macro Analyst: score 80->65 (-15).
- Portfolio Manager: score 30->35 (+5).
- Technical Analyst: stance bullish->neutral; score 61->49 (-12); +2 bearish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
35.8
Neutral
MACD Histogram
0.089
Bullish Momentum
Trend Direction
Downtrend
Weekly: Sideways
Market Structure
Hh Hl
Support
$91.82
Resistance
$93.52
Bollinger %B
0.15
Inside Bands
Price vs Moving Averages
EMA 9
$94.10
Below
EMA 21
$95.27
Below
EMA 50
$97.40
Below
EMA 200
$97.59
Below
Fundamental Analysis
Valuation
92
Growth
63
Profitability
60
Financial Health
44
Cash Flow
70
Valuation
P/E Ratio
11.6×
P/B Ratio
0.96×
PEG Ratio
1.49
Dividend Yield
1.84%
52W High
$110.33
52W Low
$81.08
Quality & Growth
ROE
911.6%
ROA
111.3%
Gross Margin
6752.5%
Operating Margin
2087.2%
Revenue Growth YoY
—
Debt / Equity
0.75
AI Fundamental Assessment
P/E ratio of 11.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 1.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 9.1%; Return on assets of 1.1%; Net margin of 16.8%; Gross margin of 67.5%; Current ratio of 0.76 (tight short-term liquidity); Debt-to-equity of 0.75; Free cash flow per share is positive (9.99); Most recent quarter missed estimates by 0.3%; EPS growth decelerating (+6.7% -> +4.6% QoQ); Average YoY EPS growth of 25.0%; Analyst estimates rising over recent quarters
Get the Full PNFP Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →