Pinnacle Financial Partners, Inc. (PNFP) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Pinnacle Financial Partners, Inc. stock $36.63, price $101, that is 63.9% below the price, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Pinnacle Financial Partners, Inc.
PNFP · USOur calculation puts a fair price 64% below what the stock costs today.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $44.53 – $127.32 · fair‑value band $32.86 – $44.57 · the $101.49 price screens above the $36.63 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
Every Wednesday you see whether Pinnacle Financial Partners is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
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.
Show moreShow less
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.
Stock analysis
Pinnacle Financial Partners, Inc. (PNFP) currently trades at $101.49, while our model-based Fair Value estimate is $36.63, 64% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $47.85 per share, and 0 of the 6 models we run sit above the $101.49 price.
Bear case: the Asset-Based group reads lowest at $7.20, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $32.86 (bear) to $44.57 (bull), the price of $101.49 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Pinnacle Financial Partners, Inc. reported revenue of $2.9B in FY2025 versus $1.2B in FY2021, a compound +24.5%/yr. Reported net income was $642M in FY2025, compounding +5.0%/yr from FY2021.
Key figures
Market cap $15.4B Large · P/E ratio 13.6 · P/S ratio 4.66 · EPS (TTM) $7.47 · Dividend yield 1.5% · Net margin 24.9% · Return on equity 7.7% · Return on assets (EBIT) 1.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −64%, PNFP screens richer than that median.
Fair Value models
All 6 models by family
The fair value above starts from this blend and is adjusted for dilution from new shares.
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 4 officers or directors bought shares worth $2.3M, most recently on Oct 28, 2026. Over the same period, 2 people sold shares worth $19.7M. Buying cluster
- SaleAllan E KamenskyChief Legal Officer5,000 shares at $104.62$523,100Nov 2, 2026
- BuyDavid B IngramDirector10,000 shares at $99.16$991,600Oct 28, 2026
- BuyGregory G MontanaDirector500 shares at $98.61$49,305Sep 10, 2026
- BuyKevin S. BlairChief Executive Officer, Director2,565 shares at $97.48$250,036Sep 1, 2026
- SaleM Terry TurnerDirector2× since Aug 6, 2026: 177,228 shares, avg. $108.07$19.2MAug 17, 202610b5-1 plan
- BuyRobert A McCabe JrChief Banking Officer, Director10,013 shares at $99.90$1.0MJul 24, 2026
- BuyAndrew J. Gregory Jr.Chief Financial Officer1,000 shares at $94.52$94,520Feb 12, 2026
Plus 16 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
PNFP screens overvalued: fair value 64% below the price. Compare with China Merchants Bank Co →
Recent news
- Higher Rates Still Matter for U.S. Bank Stocks Like Pinnacle Financial Partners
- Pinnacle Financial Partners, Inc. FIX FL NCUM PF A declares $0.4808 dividend
- Pinnacle Financial Partners, Inc. 6.75 DP RP PFD C declares $0.422 dividend
- Pinnacle Financial Partners, Inc. FIX RA NCUM PF B declares $0.5248 dividend
Compare Pinnacle Financial Partners, Inc. with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs PNFP |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs PNFP |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs PNFP |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs PNFP |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs PNFP |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs PNFP |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs PNFP |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs PNFP |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs PNFP |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs PNFP |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Pinnacle Financial Partners, Inc. (PNFP) overvalued or undervalued?
What is the fair value of PNFP?
What is the quality score of PNFP?
What is the price target for Pinnacle Financial Partners, Inc. (PNFP)?
What is the Pinnacle Financial Partners, Inc. stock forecast for 2026?
What is the revenue of Pinnacle Financial Partners, Inc. (PNFP)?
Does Pinnacle Financial Partners, Inc. pay a dividend?
What growth is priced into Pinnacle Financial Partners, Inc. (PNFP)?
What discount rate (WACC) does the fair value of PNFP use?
What is a reverse DCF?
How much growth has Pinnacle Financial Partners, Inc. (PNFP) delivered so far?
How fast is the sector of Pinnacle Financial Partners, Inc. (PNFP) growing?
What is the free cash flow yield of Pinnacle Financial Partners, Inc. (PNFP)?
What is the intrinsic value of Pinnacle Financial Partners, Inc. (PNFP)?
Is Pinnacle Financial Partners, Inc. stock overvalued or undervalued in 2026?
Is fair value the same as the market price of PNFP?
How much is Pinnacle Financial Partners, Inc. worth?
What do the bullish and bearish scenarios say about PNFP?
What is the P/E ratio of PNFP?
What is the PEG ratio of PNFP?
How solid is the balance sheet of Pinnacle Financial Partners, Inc. (PNFP)?
How far is PNFP from its 52-week high?
Which stocks are comparable to Pinnacle Financial Partners, Inc.?
Is Pinnacle Financial Partners, Inc. stock attractive at the current price?
How is the fair value of PNFP calculated?
Is it still worth investing in stocks now?
What is the share price of Pinnacle Financial Partners, Inc. (PNFP)?
What should I pay attention to with Pinnacle Financial Partners, Inc. right now?
Where does the earnings growth of Pinnacle Financial Partners, Inc. (PNFP) come from?
Key figures of Pinnacle Financial Partners, Inc.
How large is the market capitalisation of Pinnacle Financial Partners, Inc. (PNFP)?
What is the P/S ratio of Pinnacle Financial Partners, Inc. (PNFP)?
What are the earnings per share of Pinnacle Financial Partners, Inc. (PNFP)?
What is the dividend yield of Pinnacle Financial Partners, Inc. (PNFP)?
What is the net margin of Pinnacle Financial Partners, Inc. (PNFP)?
What is the return on equity of Pinnacle Financial Partners, Inc. (PNFP)?
What is the EBIT return on assets of Pinnacle Financial Partners, Inc. (PNFP)?
What is the operating margin of Pinnacle Financial Partners, Inc. (PNFP)?
How fast is revenue growing at Pinnacle Financial Partners, Inc. (PNFP)?
How fast are earnings growing at Pinnacle Financial Partners, Inc. (PNFP)?
How much net cash does Pinnacle Financial Partners, Inc. (PNFP) hold?
Watch Pinnacle Financial Partners, Inc. in the live analysis
One click puts Pinnacle Financial Partners, Inc. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.