PNFP Stock Analysis: Buy, Sell, or Hold?
PNFP - Pinnacle Financial Partners In
$105.23
0.39 (0.37%)
▲
5d:
+2.56%
30d:
+4.37%
90d:
+6.36%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 14, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: PNFP shows positive signals but monitor for confirmation. Market pricing in 3.1% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: PNFP shows positive signals but monitor for confirmation. Market pricing in 3.1% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$142.32
Based on 8.2% avg growth
INTRINSIC VALUE TODAY
$88.37
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 $105.23, which is considered extended relative to its 30-day fair value range of $97.88 to $102.48. The stock's valuation (Forward PE: 9.2) is in line with its historical norms (8.4). At these levels, the market is pricing in 3.1% 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 uptrend. The price is approaching resistance at $106.63. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PNFP has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $118.15 (+12.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PNFP is in a strong uptrend. The price is approaching resistance at $106.63. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: PNFP has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $118.15 (+12.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$97.88 -
$102.48
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($118.15)
- NEUTRAL: Market pricing in 3.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$97.88 -
$102.48
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$94.36
Resistance Level
$106.63
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.19
Wall Street Target
$118.15
(+12.3%)
Revenue Growth (YoY)
137.1%
Earnings Growth (YoY)
3.3%
Profit Margin
24.9%
Valuation Premium vs History
+3.1% premium
PE vs Historical
9.2 vs 8.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.1%
(market-implied from PE analysis)
1-Year Target
$108.49
(+3%)
2-Year Target
$111.86
(+6%)
3-Year Target
$115.32
(+10%)
3-Yr Target (if PE normalizes)
(PE: 9→8)
PE COMPRESSION
$105.37
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 12.4%)
$336.71
(+220%)
Base:
(SPY PE: 9.2, Growth: 12.4%)
$149.33
(+42%)
Bear:
(PE: 7.8, Growth: 12.4%)
$126.93
(+21%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 14.42 | Current EPS (TTM): $7.27
Bull Case
$181.57
(+73%)
Analyst growth 57.4%, PE expands to 15.9
Base Case
$165.06
(+57%)
Market implied 57.4%, PE stable at 14.4
Bear Case
$71.29
(-32%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 1:34 AM ET
Data refreshes hourly during market hours. Next update: 2:34 AM
Data refreshes hourly during market hours. Next update: 2:34 AM
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Technical Signals Check
Is PNFP showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Andrew J Jr. Gregory
BUY
1000 shares
2026-02-12
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