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PNFP

Pinnacle Financial PartnersB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The bull case is that strong commercial loan growth, improving deposits, producer hiring, and merger execution translate into durable revenue and EPS growth. The analyst target median of $116.381 implies roughly 13% upside from the $102.60 anchor.
Posture
Constructive
Lead driver
Sentiment
What changed
9 setup hits (3d) with net bullish as of 2026-09-09.
What can break
NIM declined sequentially and management's full-year NIM range remains exposed to funding costs, SOFR, and loan-yield pressure.
Momentum
35
Value
57
Sentiment
74
Setup hits (3d)
9 · Net Bullish
AI TargetsBase $116.40 · Bull $125.00 · Bear $95.00Analysis 2026-07-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $118.95
Why
Momentum35 · Δ7d -4.3
Value57 · Δ7d -0.0
Sentiment74 · Δ7d +2.0
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 9 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +2.0.

Contradictions & invalidation

  • • NIM declined sequentially and management's full-year NIM range remains exposed to funding costs, SOFR, and loan-yield pressure.
  • • Non-interest revenue is exposed to volatility in the BHG equity-method investment and other nonrecurring items.
  • • The bear case is that NIM compression, seasonal funding costs, BHG-related fee volatility, and merger integration complexity offset balance-sheet growth.

Catalyst clock

2026-07-22

Q2 2026 earnings showed adjusted EPS strength while maintaining outlook

Lead driver: Sentiment · See AI snapshot
Momentum
35
9% active weight
Current posture
7d trendFlat
Δ7d
-4.3
Δ21d
-27.1
Value
57
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.1
Sentiment
74
62% active weight
Current posture
7d trendImproving
Δ7d
+2.0
Δ21d
+7.3
Why this grade

Composite grade B. Momentum 35.0 / Value 57.3 / Sentiment 74.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-27. Scenario method

B+
Bull case
30%
Probability
Target price
$125.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$116.40
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$95.00
Analysis reference price unavailable
Analysis 2026-07-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$16.22B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data