Pinnacle Financial Partners (PNFP) Stock Price, News & Analysis

Company Overview

Pinnacle Financial Partners, Inc. (NASDAQ: PNFP) is a diversified financial services company headquartered in Nashville, Tennessee. Founded in June 2000, Pinnacle has grown from a regional community bank into a prominent provider of banking and wealth management solutions across the Southeastern United States. The company operates through multiple lines of business, including commercial banking, consumer and private banking, mortgage services, and asset and wealth management.

In its commercial banking division, Pinnacle caters to small and middle-market businesses by offering a range of lending products such as commercial real estate loans, equipment financing, working capital lines of credit, and treasury management services. The consumer and private banking unit serves individuals and small businesses with deposit accounts, personal lending solutions, and digital banking tools. Pinnacle Mortgage provides residential mortgage origination and secondary marketing services, while the company’s wealth management arm offers comprehensive investment advisory, trust, and fiduciary services.

Pinnacle’s footprint extends across Tennessee, North Carolina, South Carolina, Virginia, Georgia, and Florida, with a network of full-service banking offices, mortgage centers, and wealth offices. The company emphasizes relationship-driven banking, striving to combine personalized service with digital capabilities. As part of its commitment to community involvement, Pinnacle supports local economic development through philanthropic initiatives, volunteer programs, and partnerships with community organizations.

Leadership at Pinnacle Financial Partners is headed by President and CEO Scott C. Harrison, who has guided the company through periods of strategic expansion and financial innovation. The executive team includes experienced banking professionals overseeing risk management, finance, operations, and growth initiatives. Under their stewardship, Pinnacle continues to focus on balanced growth, disciplined credit underwriting, and investments in technology to enhance client experiences and drive long-term value for stakeholders.

Key Stats

• Today's Range: $117.24 to $119.55
• 50-Day Range: $100.22 to $117.83
• 52-Week Range: $76.75 to $131.91
• Volume: 381,903 shs
• Average Volume: 510,446 shs
• Market Capitalization: $9.14 billion
• P/E Ratio: 19.07
• Dividend Yield: 0.81%
• Price Target: $122.36
• Consensus Rating: Moderate Buy

Pinnacle Financial Partners Stock Analysis - MarketRank™

Pinnacle Financial Partners scored higher than 93% of companies evaluated by MarketBeat, and ranked 103rd out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Pinnacle Financial Partners has received a consensus rating of Moderate Buy. The company's average rating score is 2.73, and is based on 6 buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Pinnacle Financial Partners has been the subject of 8 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 14.52%

Earnings Growth

Earnings for Pinnacle Financial Partners are expected to grow by 14.52% in the coming year, from $7.85 to $8.99 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Pinnacle Financial Partners is 19.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pinnacle Financial Partners is 19.07, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

Pinnacle Financial Partners has a P/B Ratio of 1.46. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.96% of the float of Pinnacle Financial Partners has been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Financial Partners has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pinnacle Financial Partners has recently decreased by 6.25%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Pinnacle Financial Partners has a dividend yield of 0.81%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pinnacle Financial Partners has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Pinnacle Financial Partners is 15.53%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Pinnacle Financial Partners will have a dividend payout ratio of 10.68% next year. This indicates that Pinnacle Financial Partners will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.5 / 5
• Environmental Score: -0.65

Percentage of Shares Shorted

1.96% of the float of Pinnacle Financial Partners has been sold short.

Short Interest Ratio / Days to Cover

Pinnacle Financial Partners has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Pinnacle Financial Partners has recently decreased by 6.25%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.02

News Sentiment

Pinnacle Financial Partners has a news sentiment score of 1.02. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 20 news articles for Pinnacle Financial Partners this week, compared to 8 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pinnacle Financial Partners insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 1.46% of the stock of Pinnacle Financial Partners is held by insiders.

Percentage Held by Institutions

87.40% of the stock of Pinnacle Financial Partners is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PNFP Stock Analysis - Frequently Asked Questions

How have PNFP shares performed this year?

Pinnacle Financial Partners' stock was trading at $114.39 at the start of the year. Since then, PNFP shares have increased by 3.0% and is now trading at $117.83.

How were Pinnacle Financial Partners' earnings last quarter?

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) released its quarterly earnings results on Monday, April, 14th. The financial services provider reported $1.90 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.82 by $0.08. The financial services provider earned $475.37 million during the quarter, compared to analyst estimates of $478.11 million. Pinnacle Financial Partners had a net margin of 15.98% and a trailing twelve-month return on equity of 9.29%.
Read the conference call transcript.

How do I buy shares of Pinnacle Financial Partners?

Shares of PNFP stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pinnacle Financial Partners own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pinnacle Financial Partners investors own include American Water Works (AWK), Waste Connections (WCN), DiamondRock Hospitality (DRH), The RMR Group (RMR), Humana (HUM), AU Optronics (AUOTY) and iShares Micro-Cap ETF (IWC).

Company Calendar

• Last Earnings: 4/14/2025
• Record date for 5/30 Dividend: 5/02/2025
• Ex-Dividend for 5/30 Dividend: 5/02/2025
• Dividend Payable: 5/30/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/15/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PNFP
• CIK: 1115055
• Web: www.pnfp.com
• Phone: (615) 744-3700
• Fax: 615-744-3861
• Employees: 3,565
• Year Founded: 2000

Price Target and Rating

• Average Stock Price Target: $122.36
• High Stock Price Target: $142.00
• Low Stock Price Target: $98.00
• Potential Upside/Downside: +3.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.73
• Research Coverage: 11 Analysts

Profitability

• EPS (Trailing Twelve Months): $6.18
• Trailing P/E Ratio: 19.07
• Forward P/E Ratio: 15.01
• P/E Growth: N/A
• Net Income: $475.06 million
• Net Margins: 15.98%
• Pretax Margin: 19.52%
• Return on Equity: 9.29%
• Return on Assets: 1.11%

Debt

• Debt-to-Equity Ratio: 0.37
• Current Ratio: 0.89
• Quick Ratio: 0.89

Sales & Book Value

• Annual Sales: $1.55 billion
• Price / Sales: 5.88
• Cash Flow: $9.02 per share
• Price / Cash Flow: 13.07
• Book Value: $80.46 per share
• Price / Book: 1.46

Miscellaneous

• Outstanding Shares: 77,556,000
• Free Float: 76,424,000
• Market Cap: $9.14 billion
• Optionable: Optionable
• Beta: 1.01