PNFP stock sentiment todayPinnacle Financial Partners, Inc.
Sentiment verdict
Gossip first, financials second — HOT at 85% confidence.
Last updated · cached analysis, refreshes periodically
PNFP
Pinnacle Financial Partners, Inc.A premier southeastern growth story trading at a premium valuation justified by best-in-class deposit retention and talent acquisition.
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See exactly how analyst targets, gossip sentiment and momentum are weighted into this 6-month forecast.
Sign in to go Pro →Full model breakdown (analyst / gossip / momentum weights) is a Pro feature. Modelled for PNFP. Not financial advice.
Price · last 12 months
Gossip
Pinnacle is widely regarded as the 'gold standard' of southeastern regional banking. The narrative focuses on their unique 'talent-first' model—hiring veteran bankers from larger competitors—and their expansion into high-growth markets like Atlanta and Washington D.C. Investors are currently watching how their asset sensitivity plays out in a shifting rate environment.
- ·Successful expansion into the National Capital Region
- ·Perceived safety due to high percentage of core, sticky deposits
- ·Consensus 'Buy' rating from most sell-side analysts covering regional banks
Financial
PNFP maintains a superior fundamental profile characterized by high net interest margins (NIM) and exceptional credit quality. While the P/E ratio sits above the regional bank average, their double-digit loan growth and efficient operating scale support the premium.
- ·ROAA (Return on Average Assets) consistently above 1.10%
- ·Price-to-Tangible Book Value (P/TBV) significantly higher than peers
- ·Loan growth tracking at 10-12% annually
Conviction
Whose money is actually in the stock — insider open-market trades and the patience of the institutional holder base.
Strong conviction — insiders and patient capital are backing this.
- ·Insiders bought a net $2.3M on the open market in the last 120 days.
Pro shows every named insider trade in the window (buyer, title, size, price, and whether it was a pre-scheduled 10b5-1 sale) plus the full holder register split into patient capital and fast money.
Unlock with Pro →Source: SEC EDGAR Form 4 + 13F holder register. Option exercises, grants, gifts and tax withholding are excluded — only open-market purchases and sales count. Not financial advice.
Risks
- ·High concentration in commercial real estate (CRE) relative to total capital
- ·Pressure on deposit costs if interest rates remain elevated for longer than expected
- ·Execution risk in new, highly competitive metro markets
Peer temperature
How direct competitors stack up against PNFP right now.
- NEUTRALFHNFirst Horizon Corp
COLDER — lower valuation following the failed TD merger, but lacks PNFP's organic loan growth momentum.
See full analysis → - HOTWALWestern Alliance Bancorporation
HOTTER — trading at a steeper discount with higher EPS volatility, offering more 'bounce-back' potential than the steady PNFP.
See full analysis → - COLDCMAComerica Inc.
COLDER — facing significantly higher deposit outflow pressures and weaker geographic tailwinds compared to PNFP's TN/NC footprint.
See full analysis →
- PNFP+8.6%
- FHN+1.2%
- WAL+3.5%
- CMA—
Analyst price target
Consensus average of 18 analysts · median 120.00
Source: StockAnalysis.com · updated 2026-10-28
AI-generated analysis for informational purposes only. Not financial advice.