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PNFP

Pinnacle Financial PartnersB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Adjusted EPS exceeded the reported $2.62 consensus by $0.07, while loans and deposits each grew 2% sequentially and preliminary CET1 improved to 10.01%. Sustained producer productivity and core fee growth could support upside.
Posture
Constructive
Lead driver
Value
What changed
9 setup hits (3d) with net bullish as of 2026-10-25.
What can break
Net interest margin fell to 3.40% as deposit costs and wholesale-funded liquidity increased. [#SEC-8K-2026-10-21]
Momentum
46
Value
59
Sentiment
57
Setup hits (3d)
9 · Net Bullish
AI TargetsBase $105.00 · Bull $120.00 · Bear $82.00Analysis 2026-10-22; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-22 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $118.39
Why
Momentum46 · Δ7d +7.9
Value59 · Δ7d -1.1
Sentiment57 · Δ7d -20.5
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 9 setup hits (3d) with net bullish as of 2026-10-25.
  • • Value remains the lead driver in the composite, 7D delta -1.1.

Contradictions & invalidation

  • • Net interest margin fell to 3.40% as deposit costs and wholesale-funded liquidity increased. [#SEC-8K-2026-10-21]
  • • No verified post-earnings analyst target or estimate revisions were available for this early T+1 assessment.
  • • Deposit costs and wholesale funding compressed margin; a $23 million lease-payoff gain boosted non-interest revenue, adjusted expense rose 4% sequentially, and the allowance increased partly on a more adverse macroeconomic outlook.

Catalyst clock

2026-10-22

Third-quarter earnings beat, with merger comparability limits

Lead driver: Value · See fundamentals
Momentum
46
8% active weight
Current posture
7d trendImproving
Δ7d
+7.9
Δ21d
+18.1
Value
59
47% active weight
Current posture
7d trendSoftening
Δ7d
-1.1
Δ21d
-0.6
Sentiment
57
45% active weight
Current posture
7d trendSoftening
Δ7d
-20.5
Δ21d
-27.9
Why this grade

Composite grade B. Momentum 45.8 / Value 58.5 / Sentiment 57.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-22. Scenario method

B+
Bull case
25%
Probability
Target price
$120.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$105.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$82.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$15.16B
Beta
1.03
Shares Out
151.11M
P/E (TTM)
12.4
P/S (TTM)
7.37
P/FCF (TTM)
15.28
Rev YoY
+125.6%
EPS YoY
+3.0%
Gross Margin
-
Op Margin
+23.4%
Net Debt
$2.45B
Current Ratio
0.09
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data