NYSE: PNFP

Pinnacle Financial Partners (PNFP) Stock Analysis & Forecast

Sep 28 close

$93.46−1.51 (−1.6%)

Gekko Brief

Pinnacle Financial Partners closed at $93.46 on 28 September 2026, -1.6% on the day. The price sits between the 50-day ($101.27) and 200-day ($96.97) moving averages, inside a 52-week range of $81.08 to $110.33. The GekkoIndex reads 67.9, in the Accumulation zone, down 1.6 points over five sessions. Gekko Fair Value is $108.89, so the price is 14.2% below it.

The next earnings report is due on 21 October 2026, 22 days away. Over the last 8 reports the company beat the earnings estimate 7 times, with an average move of 3.5% across the report. Smart-money activity over the last 90 days includes 2 open-market insider purchases. Seasonally, the next 20 trading days from this point averaged -2.7% over the last 5 years, rising in 2 of them.

16 firms rate the stock: 12 buy, 4 hold and 0 sell, with a consensus target of $120.09. A typical daily move is about 2.5%, and a typical 20-day move about 6.1%. On the swing-trade checklist, 3 items read supportive and 2 read as a headwind (earnings risk, seasonality).

Generated Sep 29, 2026 from the data above.

Pinnacle Financial Partners price vs fair value

$108.89$93.46Sep ’25Mar ’26Sep ’26
Close $93.46200-day averageGekko Fair Value $108.89

Pinnacle Financial Partners quick facts

Market cap
$14.11B
P/E ratio
12.9
Forward P/E
8.2
EPS, TTM
$7.29
Revenue, TTM
$3.30B
Profit margin
24.9%
Dividend yield
1.58%
Beta
1.01
Volume
808,526 avg 1.00M
1-year return
−1.8%
Typical daily move
±2.5%
Typical 20-day move
±6.1%
50-day average
$101.27
200-day average
$96.97
Next earnings
Oct 21
Shares outstanding
151.1M
52-week range
$81.08$110.33

Pinnacle Financial Partners swing-trade checklist

Pinnacle Financial Partners scores 3 supportive, 1 mixed and 2 headwinds across the 6 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive1 mixed2 headwinds

  • Trendmixed

    Averages disagree

    Close $93.46 sits between the 50-day ($101.27) and 200-day ($96.97) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    67.9, Accumulation

    Reading 67.9 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    14.2% below

    Price is 14.2% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneysupportive

    Leans bullish

    Last 90 days: 2 open-market insider purchases.

    See smart money
  • Earnings riskheadwind

    Reports in 22 days

    Reports on Oct 21, 2026, 22 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalityheadwind

    −2.7% on average

    From this point in the calendar, the next 20 trading days averaged −2.7% over 5 years, rising in 2 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

Pinnacle Financial Partners stock chart and price history

Pinnacle Financial Partners closed at $93.46 on Sep 28, 2026, −1.8% over the past year, inside a 52-week range of $81.08 to $110.33.

Close50-day average200-day averageVolume
Pinnacle Financial Partners share price, past year, with 50-day and 200-day moving averages and volume$90$100$110NovDecJan 2026FebMarAprMayJunJulAugSep93.46

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−7.4%
3 months
−7.2%
6 months
+12.7%
1 year
−1.8%
The full PNFP chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open PNFP in Gekko

Follow Pinnacle Financial Partners through every session

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About Pinnacle Financial Partners

Pinnacle Financial Partners operates as a bank holding company, with Pinnacle Bank as its main subsidiary providing banking services across the United States. The bank is known for offering a wide range of deposit products, including savings, checking, money market accounts, and certificates of deposit, alongside lending options that span commercial loans, commercial real estate financing, and consumer credit such as mortgages, home equity lines, and installment loans.

Beyond core banking, the company generates revenue through brokerage and investment advisory programs, fiduciary and trust management services covering retirement accounts, pensions, and foundations, as well as an insurance agency focused on property and casualty coverage. It also advises on mergers and acquisitions and middle-market financing arrangements. Customers include individuals, small and medium-sized businesses, and professional organizations, who can access services through treasury management tools, online and mobile banking, and a physical office network spanning several southeastern states.

Pinnacle Financial Partners was founded in 2000 and is headquartered in Nashville, Tennessee. Its shares are listed on the NYSE under the ticker PNFP.

Listed
NYSE
Sector
Finance
Industry
Regional banks
Website
pnfp.com

Pinnacle Financial Partners GekkoIndex: the smart money zone

Pinnacle Financial Partners’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 67.9, in the Accumulation zone, down 1.6 points over five sessions.

010067.9Accumulation

Down 1.6 points over five sessions.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying37+0.4%+3.0%+4.9%+8.6%
Accumulation (current zone)229+0.4%+1.0%+3.5%+5.6%
Neutral3580.0%+0.2%−0.1%+0.6%
Distribution35+0.4%−2.5%−7.0%−4.6%
Selling13−0.2%−4.0%−5.0%−4.1%

Average PNFP share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the PNFP price, zone by zone.Track PNFP in Gekko

Is Pinnacle Financial Partners stock overvalued? Gekko Fair Value

Pinnacle Financial Partners trades 14.2% below Gekko Fair Value of $108.89, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what Pinnacle Financial Partners shares are worth, recalculated every trading day.

$108.89

Gekko Fair Value, Sep 26, 2026

14.2% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open PNFP in Gekko

Pinnacle Financial Partners insider and Congress trading

Insiders filed 2 open-market purchases in Pinnacle Financial Partners worth $1.25M, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

$1.25Min 2 open-market purchases

FiledInsiderTypeSharesValue
Sep 2Blair Kevin S.
director, officer: Chief Executive Officer
Purchase2,565$250K
Jul 24Robert A Mccabe JR
Chief Banking Officer
Purchase10,013$1.00M

From Form 4 filings, dated to when each was filed.

Congress trades last 90 days

No trades in PNFP were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for PNFP, plotted on the chart in Gekko.Open PNFP in Gekko

Buybacks

Pinnacle Financial Partners has been buying back its own shares.

Bought back, quarter ended Sep 30, 2025
$1.02M
As a share of market cap
0.01%
Trailing four quarters
$21.16M

From company filings.

Pinnacle Financial Partners earnings: next date and track record

Pinnacle Financial Partners reports on Oct 21, 2026 (22 days away), and beat the EPS estimate in 7 of its last 8 reports.

7 of 8reports beat the EPS estimate
±3.5%average move across the report
6 of 8reports followed by a gain

Share-price move across each report

+6.2%Oct ’24+1.8%Jan ’25+4.8%Apr ’25−2.1%Jul ’25−7.8%Oct ’25+0.3%Jan ’26+1.7%Apr ’26+3.1%Jul ’26

Last earnings call, Jul 22, 2026 AI summary

What they said
Pinnacle Financial Partners Q2 2026 earnings call highlighted strong loan and deposit growth driven by successful integration and hiring, solid fee income growth, disciplined expense management while investing in growth, stable credit with low charge-offs and decreased NPAs, and maintenance of 2026 guidance. Management emphasized integration synergies, strong BHG partnership performance, and confidence in reaching revenue, NII, expense, and EPS guidance ranges while noting modest NIM compression due to mix and liquidity (cash/securities) and PAA impact. They reiterated capital accretion progress and possibility of future share repurchases. Q&A focused on margin dynamics, deposit composition and pricing, loan growth sustainability, BHG details, AI/tech initiatives, capital targets, and expense trajectory for 2026-2027.
Guidance
Maintaining 2026 guidance. Specific guidance mentioned: full-year NIM expected in the 3.44% to 3.47% range; revenue trending to $5.05B–$5.1B; adjusted expenses expected in the middle of $2.675B–$2.775B; adjusted effective tax rate expected mid 20%–21% range; credit charge-offs expected within 20–25 bps; loan growth tracking at top end of 9%–11% range; deposits in middle of 8%–10% range; high single-digit NII growth expected for 2026; fee income double-digit year-to-date growth and step-ups in wealth and core banking expected; capital accretion expected, target CET1 ~10.25% potentially later, Fed NPR expected to add ~40 bps, and share repurchases possible in 2027.
Risks flagged
Risks mentioned include potential NIM pressure from liquidity build (cash and securities) and long-term debt issuance (Cat IV), slower PAA/prepayments affecting NIM, competitive pressure on spreads (though management not currently seeing tightening), potential for increased funding costs with growth, integration risks (systems conversion pending March 2027), and external macro/industry uncertainties; SEC/press release risk disclosures were noted.
ReportedEPSSurpriseRevenueSurpriseMove
Jul 22, 2026$2.50
est $2.46
+1.6%$1.24B
est $1.24B
0.0%+3.1%
Apr 22, 2026$2.39
est $2.33
+2.6%$1.23B
est $1.20B
+2.4%+1.7%
Jan 21, 2026$2.24
est $2.26
−0.9%$846.2M
est $552.6M
+53.1%+0.3%
Oct 15, 2025$2.27
est $2.04
+11.3%$544.8M
est $523.8M
+4.0%−7.8%
Jul 15, 2025$2.00
est $1.92
+4.2%$505.0M
est $496.3M
+1.7%−2.1%
Apr 14, 2025$1.90
est $1.80
+5.6%$407.4M
est $482.2M
−15.5%+4.8%
Jan 21, 2025$1.90
est $1.78
+6.7%$425.0M
est $470.3M
−9.6%+1.8%
Oct 15, 2024$1.86
est $1.77
+5.1%$407.9M
est $457.9M
−10.9%+6.2%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

Pinnacle Financial Partners stock forecast and analyst price targets

Analysts’ average 12-month price target for Pinnacle Financial Partners is $120.09, +28.5% from the last close, from 16 firms rating the stock in the last 90 days.

$120.09consensus 12-month target, +28.5% from the last close
Low $110High $139
Buy12
Hold4
Sell0

Each firm’s latest rating in the last 90 days: 16 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Sep 28Morgan StanleyBuy, reiterated$139+48.7%
Sep 16BarclaysBuy, maintained$130+39.1%
Sep 16Hovde GroupBuy, initiated$125+33.7%
Sep 8Morgan StanleyBuy, initiated$137+46.6%
Aug 10Wells FargoHold, reiterated$118+26.3%
+3.5%average 20-day move after past Accumulation readings
−2.7%average move over the next 20 trading days in the last 5 years
±2.5%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

Pinnacle Financial Partners seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, Pinnacle Financial Partners averaged −2.7% across the last 5 years, rising in 2 of them.

Next 20 trading days, by year

+0.2%2021−0.8%2022−9.4%2023+6.1%2024−8.0%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+0.7%2 of 5
Next 10 trading days+1.8%3 of 5
Next 15 trading days−0.4%2 of 5
Next 20 trading days−2.7%2 of 5
Next 30 trading days+5.1%3 of 5

For scale, PNFP’s typical 20-trading-day move in either direction is about 6.1%.

Pinnacle Financial Partners market cap and key statistics

Pinnacle Financial Partners’s market cap is $14.11B, with a P/E ratio of 12.9 and revenue of $3.30B over the last twelve months.

Valuation

Market cap
$14.11B
P/E ratio
12.9
Forward P/E
8.2
EPS, TTM
$7.29
Gekko Fair Value
$108.89

Trading

Volume
808,526
Avg volume, 20 days
1.00M
52-week high
$110.33
52-week low
$81.08
Shares outstanding
151.1M

Financials

Revenue, TTM
$3.30B
Profit margin
24.9%
Return on equity
7.7%
Quarterly earnings growth, YoY
+3.5%

Risk and income

Beta
1.01
Typical daily move
±2.5%
Typical 20-day move
±6.1%
Dividend yield
1.58%

Pinnacle Financial Partners stock news this week

1 headline about Pinnacle Financial Partners from the past week, newest first, each linking to the publisher.

Pinnacle Financial Partners peers

Pinnacle Financial Partners’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
CMCanadian Imperial Bank of Commerce−0.2%Accumulation4.8% below
USBU.S. Bancorp−0.6%Accumulation10.6% below
NUNu−2.4%Buying24.1% below
TFCTruist Financial−1.0%Buying10.3% below
FITBFifth Third Bancorp−0.5%Accumulation11.5% below
MTBM&T Bank−0.3%Accumulation11.2% below

A peer links to its own page where one exists.

In the Buying zone today

Reporting earnings this week

Popular on Gekko

Pinnacle Financial Partners stock FAQ

What is Pinnacle Financial Partners’s market cap?

Pinnacle Financial Partners’s market cap is $14.11B at the Sep 28, 2026 close of $93.46, with 151.1M shares outstanding. The shares trade on a P/E ratio of 12.9.

What is the Pinnacle Financial Partners stock forecast?

The consensus analyst 12-month price target for Pinnacle Financial Partners is $120.09, +28.5% from the last close. Of the 16 firms that rated the stock in the last 90 days, 12 rate it a buy, 4 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is Pinnacle Financial Partners stock overvalued or undervalued?

On Gekko’s estimate Pinnacle Financial Partners is undervalued: the Sep 28, 2026 close of $93.46 is 14.2% below Gekko Fair Value of $108.89. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does Pinnacle Financial Partners report earnings next?

Pinnacle Financial Partners is expected to report on Oct 21, 2026 (22 days away). Analysts expect earnings of $2.62 per share on revenue of $1.28B. Pinnacle Financial Partners beat the earnings estimate in 7 of its last 8 reports, moving 3.5% on average across the report.

What is Pinnacle Financial Partners’s 52-week high and low?

Pinnacle Financial Partners’s 52-week high is $110.33 and its 52-week low is $81.08; it closed at $93.46 on Sep 28, 2026, −1.8% over the past year. Over the last five years the shares peaked at $131.91 on Nov 25, 2024.

Is Pinnacle Financial Partners stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 6 items with data read as supportive (gekkoindex, fair value and smart money), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

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