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Upturn AI Summary - About
Pinnacle Financial Partners, Inc.(PNFP)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PNFP
09/25/2026: PNFP (1-star) is currently NOT-A-BUY. Pass it for now.
Pinnacle Financial Partners is a growing regional bank known for its advisor-led service model, primarily serving individuals and businesses in the Southeastern United States. The company has historically delivered strong growth by successfully recruiting talented bankers and expanding into high-growth markets. Its primary opportunity lies in deepening its presence within the Southeast and scaling its fee-based wealth management business. However, the bank faces risks from intense competition with national players, potential loan quality concerns in commercial real estate, and macroeconomic sensitivity to interest rate fluctuations. Pinnacle may suit value-oriented investors who appreciate a service-focused, regional banking strategy, though investors should monitor credit quality and management's success in new market entries.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Pinnacle offers growth through regional expansion but is cyclical by nature. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may favor PNFP during periods of regional economic acceleration or positive interest rate trends. |
| Value investor | Strong fit | Pinnacle often trades at valuations reflective of its regional bank peers, providing potential value if earnings growth persists. |
| Dividend investor | Mixed fit | Pinnacle pays a dividend, but it is not primarily focused on high-yield income generation. |
| Low-risk investor | Weak fit | Banking stocks are inherently subject to macroeconomic and interest rate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are sensitive to market interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Pinnacle's valuation fluctuates based on growth expectations and credit cycle outlooks. |
| Competition risk (banking) | High | Competition from large national banks with greater scale and technology budgets is a constant pressure. |
| Business quality | Medium / high | The bank has a strong reputation for service, though it must maintain asset quality across economic cycles. |
| Dividend income | Low | Dividends are reliable but not the primary feature for yield-focused investors. |
| Execution risk | Medium | Successfully integrating acquisitions and maintaining culture during expansion is critical for long-term results. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -5.08% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.19B USD | Price to earnings Ratio 12.88 | 1Y Target Price 120.09 |
Price to earnings Ratio 12.88 | 1Y Target Price 120.09 | ||
Volume (30-day avg) 960.0K shares | Beta 1.01 | 52 Weeks Range 80.29 - 109.81 | Updated Date 09/25/2026 |
52 Weeks Range 80.29 - 109.81 | Updated Date 09/25/2026 | ||
Dividends yield (FY) 1.58% | Basic EPS (TTM) 7.29 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | The bank's bread and butter; it thrives when loan demand is high and interest margins are healthy. |
| Wealth & Fee Income | Investment management fees, mortgage banking fees, and trust services. | Provides a steadier, non-lending source of income that helps diversify results during rate cycles. |
Valuation
Trailing PE 12.88 | Forward PE 8.19 | Enterprise Value 18.35B | Price to Sales(TTM) 4.3 |
Enterprise Value 18.35B | Price to Sales(TTM) 4.3 | ||
Enterprise Value to Revenue 7.83 | Enterprise Value to EBITDA - | Shares Outstanding 151.11M | Shares Floating 148.64M |
Shares Outstanding 151.11M | Shares Floating 148.64M | ||
Percent Insiders 1.26 | Percent Institutions 89.35 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Pinnacle Financial Partners, Inc.
Exchange NYSE | Headquarters Atlanta, GA, United States | ||
IPO Launch date 2000-08-22 | President, CEO & Director Mr. Kevin S. Blair | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 8433 | Website https://www.pnfp.com |
Full time employees 8433 | Website https://www.pnfp.com | ||
Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.
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