PNFP Stock Analysis: Buy, Sell, or Hold?
PNFP - Pinnacle Financial Partners In
$101.26
0.80 (0.80%)
▲
5d:
+6.9%
30d:
+7.86%
90d:
-1.75%
WAIT
LOW Confidence
Analysis Updated: Oct 23, 2026 12:00 AM ET
Earnings: Oct 21, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: PNFP shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: PNFP shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$141.84
Based on 8.1% avg growth
INTRINSIC VALUE TODAY
$88.07
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PNFP is currently trading at $101.26, which is considered extended relative to its 30-day fair value range of $93.29 to $97.83. The stock's valuation (Forward PE: 8.8) is in line with its historical norms (8.4). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, PNFP is in a strong downtrend. The price is approaching resistance at $100.59. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PNFP scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $118.86 (+18.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, PNFP is in a strong downtrend. The price is approaching resistance at $100.59. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PNFP scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $118.86 (+18.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$93.29 -
$97.83
Company Quality Score
43/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
27.1%
Protect Your Profits
Holding PNFP? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($118.86)
- NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
- WARNING: Composite score 43/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$93.29 -
$97.83
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$91.59
Resistance Level
$100.59
Current Trend
Strong Downtrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.75
Wall Street Target
$118.86
(+18.3%)
Revenue Growth (YoY)
137.0%
Earnings Growth (YoY)
3.5%
Profit Margin
24.9%
Valuation Premium vs History
+1.2% premium
PE vs Historical
8.8 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.2%
(market-implied from PE analysis)
1-Year Target
$101.67
(+1%)
2-Year Target
$102.89
(+2%)
3-Year Target
$104.12
(+4%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$99.99
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 12.1%)
$320.94
(+220%)
Base:
(SPY PE: 8.7, Growth: 12.1%)
$141.35
(+41%)
Bear:
(PE: 7.4, Growth: 12.1%)
$120.14
(+20%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 13.15 | Current EPS (TTM): $7.47
Bull Case
$166.11
(+65%)
Analyst growth 53.8%, PE expands to 14.5
Base Case
$151.00
(+50%)
Market implied 53.8%, PE stable at 13.2
Bear Case
$66.78
(-34%)
Severe decline -20.0%, PE contracts to 11.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 12:31 PM ET
Data refreshes hourly during market hours. Next update: 1:31 PM
Data refreshes hourly during market hours. Next update: 1:31 PM
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Technical Signals Check
Is PNFP showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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