PNFP · NYSE · STOCK
Pinnacle Financial Partners (PNFP) Stock Analysis
$101.12
52W $81.08 – $110.33
54/100
$15.31B
12.4
1.02
Is PNFP Bullish or Bearish?
Mixed.
Innellis AI committee rates Pinnacle Financial Partners (PNFP) Watch with a composite score of 54/100
, based on 4 analysts with 50% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.84 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.16 from today. The band boundary is 45.0, 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. News Analyst sees a compelling case — news sentiment is positive (+0.33 across 3 articles, 14d). Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- News sentiment is positive (+0.33 across 3 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — 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 September 05, 2026
Overall Committee Score
54/100
Agreement
50%
Analysts
4
Conviction
Contested
Sector Rank
Top 87%
of 211 Financial Services peers
Growth Analyst
bearish
35
/ 100 · Low confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
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
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 3 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score weakened from 63.0 to 54.2.
- Recommendation changed from Buy to Watch.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 67% to 50%.
- Bullish support removed: 3 signal(s) disappeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: stance neutral->bearish; score 47->35 (-12).
- Risk Analyst abstained (was bullish at 80).
- Value Analyst abstained (was bullish at 70).
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
49.6
Neutral
MACD Histogram
-0.502
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$94.53
Resistance
$102.09
Bollinger %B
0.37
Inside Bands
Price vs Moving Averages
EMA 9
$100.76
Above
EMA 21
$101.96
Below
EMA 50
$101.55
Below
EMA 200
$98.15
Above
Fundamental Analysis
Valuation
90
Growth
63
Profitability
60
Financial Health
44
Cash Flow
70
Valuation
P/E Ratio
12.4×
P/B Ratio
1.03×
PEG Ratio
1.59
Dividend Yield
1.72%
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 12.4 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of 1.6 (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 →