PNFP

Pinnacle Financial PartnersB

NYSE / Banks

At close

2026-07-18

Current thesis

Stronger-than-expected NIM, disciplined capital returns, and low credit losses drive EPS above consensus and justify a re-rating toward the analyst high.

Posture

Constructive

Lead driver

Value

What changed

Next scheduled catalyst: earnings 2026-07-22 · AMC.

What can break

Elevated commercial real-estate or CRE-related loan losses

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $114.14 · Bull $141.75 · Bear $90.90

Earnings

2026-07-22 · AMC

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-24 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $117.14

Why

Momentum41 · Δ7d -1.9

Value59 · Δ7d +0.3

Sentiment61 · Δ7d -4.7

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-1.9

Δ21d

-0.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+14.9

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-4.7

Δ21d

-1.9

Why this grade

Composite grade B. Momentum 40.8 / Value 59.0 / Sentiment 60.6

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$15.27B

Beta

1.03

Shares Out

151.11M

P/E (TTM)

12.4

P/S (TTM)

7.37

P/FCF (TTM)

15.28

Rev YoY

+137.0%

EPS YoY

-49.8%

Gross Margin

Op Margin

+38.1%

Net Debt

$2.45B

Current Ratio

0.07

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology