Pinnacle Financial Partners stock
PNFPNYSEPinnacle Financial Partners, Inc., Financial ServicesISIN US72348N1090
69Score 69 out of 100, Neutral
Price and trend
82 / 100
Price history
+12% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 2.5% above it.
Since June 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 47).
The price is 8.9% below its 52-week high. Largest decline in 20 years: 75% (December 2006 to September 2010).
Chart figures for advanced users
- SMA 50$97.80
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$96.93
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)47
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$82.10
- The lowest closing price of the last twelve months.
- Resistance$109.03
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Pinnacle Financial Partners, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $15.01B, is number 87 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.68B (up 10.1% year on year) and earnings of $642.1M (up 35.2%).
- For fiscal 2026, analysts expect on average revenue of $5.09B (up 203.8%) and adjusted earnings per share of $10.27 (up 22.1%).
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- MEQIRI Score 69 out of 100 (Neutral): rank 465 of 976 in Financial Services, median 68.
- The P/E is 15.4 (Banks (Regional) median 12.2, own median of recent years 13.1).
- Our model puts fair value at $118.31, with the price 14% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 75
- Reliable dividendNo dividend cut for 12 years.
- Earnings per share growingUp 15.1% a year since 2020.Growth 90
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are growth and technical analysis, while capital allocation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among stocks ranked 101 to 1,000.
From 2016 to 2025, 13 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- calm price action
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $84.51 and expensive above $197.18 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $157.78 (excess return model) and $78.84 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $105.16, at 7.8% it would be $138.03.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 122% on the twelve months before. Revenue has grown strongly since 2006, at around 18% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 47%, net 38%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 25%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 20 Jan 2027in 69 days
- Last reported
- 21 Oct 2026EPS reported $2.69 (expected $2.62)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $10.27+0.6%
- Revenue
- $5.09B+1.0%
- Earnings per share
- $11.64+1.4%
- Revenue
- $5.54B+1.3%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +5.4%The 2026 guidance is maintained: revenue of $5.05 billion to $5.1 billion, net interest margin of 3.44% to 3.47%, and expenses in the middle of the range.
“Importantly, when combining the robust in our growth with the continued strength in fee income across our core client business that we have seen to date, we continue to expect to be well within our revenue outlook and trending more specifically to $5.05 billion to $5.1 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 23 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
4 insiders bought on the open market in the last 6 months, $2.29M in total. 2 insiders sold, $19.68M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Kamensky Allan ESale
2 Nov 2026, Chief Legal Officer
- Shares
- 5,000
- Price
- $104.62
- Value
- $523,100
- Ingram David BPurchase
28 Oct 2026, Board
- Shares
- 10,000
- Price
- $99.16
- Value
- $991,600
- Montana Gregory GPurchase
10 Sept 2026, Board
- Shares
- 500
- Price
- $98.61
- Value
- $49,305
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- Blair Kevin S.Purchase
1 Sept 2026, Chief Executive Officer
- Shares
- 2,565
- Price
- $97.48
- Value
- $250,036
- Turner M TerrySale
17 Aug 2026, Board
- Shares
- 54,107
- Price
- $108.13
- Value
- $5.85M
- Turner M TerrySale
14 Aug 2026, Board
- Shares
- 66,783
- Price
- $108.01
- Value
- $7.21M
- Turner M TerrySale
13 Aug 2026, Board
- Shares
- 53,601
- Price
- $108.10
- Value
- $5.79M
- Turner M TerrySale
6 Aug 2026, Board
- Shares
- 2,737
- Price
- $108.01
- Value
- $295,623
- Mccabe Robert A JrPurchase
24 Jul 2026, Chief Banking Officer
- Shares
- 10,013
- Price
- $99.90
- Value
- $1M
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Pinnacle Financial Partners
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 69
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Union Bank of IndiaUNIONBANK.NS $16.47B76
- ING Bank SlaskiING.WA $15.71B83
- Hua Xia Bank600015.SS $15.65B57
- FinecoBank Banca FinecoFBK.MI $15.64B78
- Banco Santander-ChileBSAC $15.28B73
- Bank of BarodaBANKBARODA.NS $15.18B70
- BankinterBKT.MC $14.87B78
- BAWAG GroupBG.VI $14.84B84
ETFs that hold Pinnacle Financial Partners
Held by 51 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P U.S. Banks UCITS ETFIUS2 | 2.73% | 0.35% | €1B |
| State Street SPDR S&P 400 U.S. Mid Cap UCITS ETF (Acc)SPY4 | 0.45% | 0.30% | €5.27B |
| iShares MSCI USA Mid-Cap Equal Weight UCITS ETFQDVC | 0.36% | 0.20% | €268.74M |
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| Xtrackers MSCI USA Financials UCITS ETF 1DXUFN | 0.19% | 0.12% | €1.07B |
| Deka MSCI USA MC UCITS ETFEL41 | 0.18% | 0.30% | €51.58M |
| iShares MSCI World Value Factor Advanced UCITS ETFCBUI | 0.16% | 0.25% | €1.53B |
| State Street SPDR MSCI USA Value UCITS ETF USD AccZPRU | 0.15% | 0.20% | €294.97M |
| iShares MSCI World Mid-Cap Equal Weight UCITS ETF USDIS3T | 0.14% | 0.30% | €408.01M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.