Is PNFP a good stock to buy right now?

Based on our 6-factor quantitative model, Pinnacle Financial Partners, Inc. (PNFP) receives a "Reduce" rating with a composite score of 39.7/100. It is ranked #3,075 out of 4,446 stocks. Key factor scores: Quality 41/100, Value 29/100, Momentum 33/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for PNFP?

Pinnacle Financial Partners, Inc. (PNFP) has a "Reduce" rating and 2-star score. The composite score of 39.7 ranks it #3,075 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is PNFP in?

Pinnacle Financial Partners, Inc. operates in the Financials sector (Banking industry) with a market cap of $13.20 billion. It is classified as a large-cap stock.

Does PNFP pay a dividend?

Yes, PNFP pays a dividend with a current yield of 1.00%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $10.00 in annual dividend income.

What is PNFP's P/E ratio?

PNFP has a trailing P/E ratio of 21.45x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is PNFP?

PNFP's quality factor score is 41/100. Gross margin: 0.0%. ROE: 9.0% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is PNFP valued compared to peers?

PNFP's value factor score is 29/100 (higher = cheaper). Key multiples: P/E 21.4x, EV/EBITDA 7.3x. Trading at a premium relative to peers.

What is PNFP's debt level?

PNFP's debt-to-equity ratio is 716%. Sector average: 121%. Elevated leverage increases credit risk.

PNFP has a beta of 1.17, meaning it tracks the market. Stability score: 65/100.

Does PNFP have high short interest?

PNFP's short interest factor score is 54/100 (higher = less short selling). Moderate short interest.

PNFP Stock Analysis: Reduce (Score 39.7/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
PNFP	-1.14%	+5.77%	+6.96%	-3.03%	+2.42%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.08%	+2.17%	+6.62%	-2.67%	-27.10%	-	-	-
Alpha vs Sector	-0.05%	+3.27%	+5.54%	+4.27%	-8.16%	-	-	-

Metric	PNFP	Benchmark
P/E Ratio	21.4x	+44%
EV/EBITDA	7.3x	+125%
Price / Book	1.9x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
PNFP Pinnacle Financial Partners, Inc.	40	41	29	33	21.5x	9.0%	0.0%	22.2%	7.9%	716.0x	$13.2B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.7%	0.7%	0.8%	0.8%	0.7%
Operating Margin %	0.0%	-	-	-	-	-	0.3%	0.3%	0.2%	0.2%	0.3%
EBITDA Margin %	0.1%	-	-	-	-	-	0.4%	0.5%	0.4%	0.4%	0.4%
Net Margin %	0.2%	0.2%	0.2%	0.2%	0.4%	0.5%	0.3%	0.4%	0.4%	0.3%	0.3%
FCF Margin %	-3.1%	-	-	-	-	-	34.0%	38.1%	47.7%	16.3%	24.6%
ROE %	0.1%	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	1.3%	0.0%	0.0%	0.0%	0.0%	0.0%	3.8%	2.9%	2.7%	2.1%	4.2%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.7%

0.8%

0.7%

Operating Margin %

0.0%

0.3%

0.2%

0.3%

EBITDA Margin %

0.1%

0.4%

0.5%

0.4%

Net Margin %

0.2%

0.4%

0.5%

0.3%

0.4%

0.3%

FCF Margin %

-3.1%

34.0%

38.1%

47.7%

16.3%

24.6%

ROE %

0.1%

0.0%

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

1.3%

0.0%

3.8%

2.9%

2.7%

2.1%

4.2%

Line Item	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$2.8B	$2.7B	$2.4B	$1.4B	$1.0B	$1.1B	$1.0B	$937M	$688M	$446M	$323M
	—	—	—	—	—	$822M	$766M	$736M	$543M	$325M	$237M
Gross Margin	0.0%	---	---	---	---	72.1%	74.4%	78.6%	78.9%	72.9%	73.2%
	—	—	—	—	—	$83M	-$12M	-$4M	-$11M	$26M	$16M
	$148M	—	—	—	—	$318M	$264M	$201M	$145M	$121M	$87M
EBIT	$148M	—	—	—	—	$318M	$264M	$201M	$145M	$121M	$87M
EBITDA	$248M	—	—	—	—	$455M	$526M	$407M	$287M	$200M	$159M
Operating Margin	0.0%	---	---	---	---	27.9%	25.6%	21.4%	21.1%	27.1%	26.8%
EBITDA Margin	8.9%	---	---	---	---	39.9%	51.1%	43.4%	41.7%	44.9%	49.1%
	—	—	$1.1B	$245M	$99M	$199M	$302M	$210M	$93M	$39M	$19M
	—	$2.7B	$2.4B	$1.4B	$1.0B	—	—	—	—	—	—
Income Tax Expense	—	$106M	$152M	$137M	$125M	$59M	$97M	$91M	$124M	$64M	$48M
	$619M	$475M	$562M	$561M	$527M	$312M	$401M	$359M	$174M	$127M	$96M
Net Margin	22.2%	17.6%	23.9%	40.8%	51.1%	27.4%	38.9%	38.4%	25.3%	28.5%	29.5%
	$2.20	$6.01	$7.20	$7.20	$6.79	$4.04	$5.25	$4.66	$2.73	$2.96	$2.58
Diluted EPS	$2.20	$5.96	$7.14	$7.17	$6.75	$4.04	$5.25	$4.66	$2.73	$2.96	$2.58
Weighted Avg Basic	—	76M	76M	76M	75M	—	—	—	—	—	—
Weighted Avg Diluted	—	77M	77M	76M	76M	—	—	—	—	—	—

Line Item

TTM

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$2.8B

$2.7B

$2.4B

$1.4B

$1.0B

$1.1B

$1.0B

$937M

$688M

$446M

$323M

—

$822M

$766M

$736M

$543M

$325M

$237M

Gross Margin

0.0%

---

72.1%

74.4%

78.6%

78.9%

72.9%

73.2%

—

$83M

-$12M

-$4M

-$11M

$26M

$16M

$148M

—

$318M

$264M

$201M

$145M

$121M

$87M

EBIT

$148M

—

$318M

$264M

$201M

$145M

$121M

$87M

EBITDA

$248M

—

$455M

$526M

$407M

$287M

$200M

$159M

Operating Margin

0.0%

---

27.9%

25.6%

21.4%

21.1%

27.1%

26.8%

EBITDA Margin

8.9%

---

39.9%

51.1%

43.4%

41.7%

44.9%

49.1%

—

$1.1B

$245M

$99M

$199M

$302M

$210M

$93M

$39M

$19M

—

$2.7B

$2.4B

$1.4B

$1.0B

—

Income Tax Expense

—

$106M

$152M

$137M

$125M

$59M

$97M

$91M

$124M

$64M

$48M

$619M

$475M

$562M

$561M

$527M

$312M

$401M

$359M

$174M

$127M

$96M

Net Margin

22.2%

17.6%

23.9%

40.8%

51.1%

27.4%

38.9%

38.4%

25.3%

28.5%

29.5%

$2.20

$6.01

$7.20

$6.79

$4.04

$5.25

$4.66

$2.73

$2.96

$2.58

Diluted EPS

$2.20

$5.96

$7.14

$7.17

$6.75

$4.04

$5.25

$4.66

$2.73

$2.96

$2.58

Weighted Avg Basic

—

76M

75M

—

Weighted Avg Diluted

—

77M

76M

—

Pinnacle Financial Partners, Inc. (PNFP) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does Pinnacle Financial Partners, Inc. Do?

Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance agency services primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee. Pinnacle Financial Partners, Inc. (PNFP) is classified as a large-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO M. Terry Turner and employs approximately 3,240 people, headquartered in NASHVILLE, Tennessee. With a market capitalization of $13.2B, PNFP is one of the prominent companies in the Financials sector.

Pinnacle Financial Partners, Inc. (PNFP) Stock Rating — Reduce (April 2026)

As of April 2026, Pinnacle Financial Partners, Inc. receives a Reduce rating with a composite score of 39.7/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.PNFP ranks #3,075 out of 4,446 stocks in our coverage universe. Within the Financials sector, Pinnacle Financial Partners, Inc. ranks #736 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PNFP Stock Price and 52-Week Range

Pinnacle Financial Partners, Inc. (PNFP) currently trades at $92.52. The stock lost $1.07 (1.1%) in the most recent trading session. The 52-week high for PNFP is $120.45, which means the stock is currently trading -23.2% from its annual peak. The 52-week low is $81.57, putting the stock 13.4% above its annual trough. Recent trading volume was 904K shares, suggesting relatively thin trading activity.

Is PNFP Overvalued or Undervalued? — Valuation Analysis

Pinnacle Financial Partners, Inc. (PNFP) carries a value factor score of 29/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 21.45x, compared to the Financials sector average of 14.88x — a premium of 44%. The price-to-book ratio stands at 1.94x, versus the sector average of 1.22x. The price-to-sales ratio is 4.78x, compared to 0.90x for the average Financials stock. On an enterprise value basis, PNFP trades at 7.32x EV/EBITDA, versus 3.26x for the sector.

At current multiples, Pinnacle Financial Partners, Inc. trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Pinnacle Financial Partners, Inc. Profitability — ROE, Margins, and Quality Score

Pinnacle Financial Partners, Inc. (PNFP) earns a quality factor score of 41/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 9.0%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.

On a margin basis, Pinnacle Financial Partners, Inc. reports gross margins of 0.0%. The operating margin is 0.0% (sector: 21.8%). Net profit margin stands at 22.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 7.9% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

PNFP Debt, Balance Sheet, and Financial Health

Pinnacle Financial Partners, Inc. has a debt-to-equity ratio of 716.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.14x, suggesting adequate working capital coverage. Total debt on the balance sheet is $2.10B. Cash and equivalents stand at $295M.

PNFP has a beta of 1.17, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Pinnacle Financial Partners, Inc. is 65/100, reflecting average volatility within the normal range for its sector.

Pinnacle Financial Partners, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Pinnacle Financial Partners, Inc. reported revenue of $2.78B and earnings per share (EPS) of $2.20. Net income for the quarter was $619M. Gross margin was 0.0%. Operating income came in at $148M.

In Q3 2025, Pinnacle Financial Partners, Inc. reported revenue of $721M and earnings per share (EPS) of $2.20. Net income for the quarter was $173M. Revenue grew 3.8% year-over-year compared to Q3 2024.

In Q2 2025, Pinnacle Financial Partners, Inc. reported revenue of $695M and earnings per share (EPS) of $2.01. Net income for the quarter was $159M. Revenue grew 3.9% year-over-year compared to Q2 2024.

In Q1 2025, Pinnacle Financial Partners, Inc. reported revenue of $668M and earnings per share (EPS) of $1.78. Net income for the quarter was $140M. Revenue grew 2.7% year-over-year compared to Q1 2024.

Over the past 8 quarters, Pinnacle Financial Partners, Inc. has demonstrated a growth trajectory, with revenue expanding from $650M to $2.78B. Investors analyzing PNFP stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PNFP Dividend Yield and Income Analysis

Pinnacle Financial Partners, Inc. (PNFP) currently pays a dividend yield of 1.0%. At this yield, a $10,000 investment in PNFP stock would generate approximately $$100.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning PNFP yields less than the typical sector peer. With a net margin of 22.2%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

PNFP Momentum and Technical Analysis Profile

Pinnacle Financial Partners, Inc. (PNFP) has a momentum factor score of 33/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 54/100 reflects moderate short selling activity.

PNFP vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Pinnacle Financial Partners, Inc. (PNFP) ranks #736 out of 891 stocks based on the Blank Capital composite score. This places PNFP in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing PNFP against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PNFP vs S&P 500 (SPY) comparison to assess how Pinnacle Financial Partners, Inc. stacks up against the broader market across all factor dimensions.

PNFP Next Earnings Date

No upcoming earnings date has been announced for Pinnacle Financial Partners, Inc. (PNFP) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PNFP? — Investment Thesis Summary

The quantitative profile for Pinnacle Financial Partners, Inc. suggests caution. The value score of 29/100 indicates premium valuation. Momentum is weak at 33/100, a headwind for near-term performance. Low volatility (stability score 65/100) reduces downside risk.

In summary, Pinnacle Financial Partners, Inc. (PNFP) earns a Reduce rating with a composite score of 39.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PNFP stock.

Related Resources for PNFP Investors

Explore more research and tools: PNFP vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PNFP head-to-head with peers: PNFP vs WTM, PNFP vs OPY, PNFP vs ACT.

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Pinnacle Financial Partners, Inc. (PNFP) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does Pinnacle Financial Partners, Inc. Do?

Pinnacle Financial Partners, Inc. (PNFP) Stock Rating — Reduce (April 2026)

PNFP Stock Price and 52-Week Range

Is PNFP Overvalued or Undervalued? — Valuation Analysis

Pinnacle Financial Partners, Inc. Profitability — ROE, Margins, and Quality Score

PNFP Debt, Balance Sheet, and Financial Health

Pinnacle Financial Partners, Inc. Revenue and Earnings History — Quarterly Trend

PNFP Dividend Yield and Income Analysis

PNFP Momentum and Technical Analysis Profile

PNFP vs Competitors — Financials Sector Ranking and Peer Comparison

PNFP Next Earnings Date

Should You Buy PNFP? — Investment Thesis Summary

Related Resources for PNFP Investors

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