Pinnacle Financial Partners, Inc. (PNFP) Stock: Price, Forecast & Analyst Target
Pinnacle Financial Partners, Inc. (PNFP) — MoonshotScore 64/100 (Fair band), calculated Oct 4, 2026. Price $96.09 (+1.54%), as of the Oct 2, 2026 trading session; market cap $14.5B. Expected results Oct 21, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Pinnacle Financial Partners, Inc. · PNFP · NYSE · Financial Services · Banks - Regional
Research dated 2026-09-13: Pinnacle Financial Partners is a bank holding company built around Pinnacle Bank, combining commercial and consumer banking with wealth, brokerage, insurance and middle-market advisory services. Recent profit improvement has outpaced the latest movement in reported revenue, making expense discipline and the economics of resumed partnership activity the key tests of whether earnings momentum can persist.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Pinnacle Financial Partners (PNFP)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Durable growth, at a cheap price, but a strained balance sheet. Business Quality: Solid; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Growing; Momentum: Quiet.
- quarterly revenue $1.71B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 0.18 · Piotroski F 6
Holding back: balance-sheet strain
Helping: an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 65 | Fair | |
| 63 | Fair | |
| 63 | Fair | |
| 63 | Fair | |
| 63 | Fair | |
| 63 | Fair |
The score was 64 in the stored Oct 3, 2026 snapshot and remains 64 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $96.09 | |
| Change on the day | +1.54% | |
| 52-week range | $81.08 – $110.33 | |
| Market capitalisation | $14.5B | |
| Price / earnings (trailing) | 11.75 | |
| Shares traded on the day | 1.70M | |
| Beta (volatility vs the S&P 500) | 1.01 | |
| Dividends per share (last 12 months) | $1.74 | |
| Dividend yield (last 12 months) | 1.81% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
We expect to have approximately $40 million in revenue and $20 million in expense in 2026 due to these.
Andrew Gregory · Statement from
These flows have already resumed in the third quarter, and we expect that will result in just under $10 million revenue and a similar amount of expense in the third quarter.
Andrew Gregory · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Pinnacle Financial Partners (PNFP): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
9-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the PNFP film — every key number, told as a short cinematic story
~2 min · open the film
What is Pinnacle Financial Partners (PNFP), and what does it report?
Short answer · as of
Pinnacle gathers deposits, extends commercial, real-estate and consumer credit, and earns fees from treasury management, investment advice, fiduciary work, brokerage, insurance and corporate-finance advisory.
Research dated 2026-09-13.
Pinnacle gathers deposits, extends commercial, real-estate and consumer credit, and earns fees from treasury management, investment advice, fiduciary work, brokerage, insurance and corporate-finance advisory. Its reported revenue therefore measures more than lending spreads: it also reflects activity across services tied to business clients, affluent households and professional organizations.
That mix makes Pinnacle broader than a conventional regional lender, yet banking remains the economic core. Loan demand, funding costs, credit performance and client activity shape the earnings base, while advisory and investment services add fee exposure that need not move with lending revenue.
What do the latest results show for Pinnacle Financial Partners (PNFP)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.71B.
Research dated 2026-09-13.
The latest reported period showed lower revenue and gross profit than the immediately preceding period, but operating profit, net income and diluted earnings per share rose sharply as operating expenses contracted. Separately presented earnings history shows the latest earnings result exceeded expectations while revenue landed close to the prevailing estimate.
Management expects resumed third-party partnership flows to add revenue alongside a similar amount of expense. It also anticipates higher costs from revenue-producer hiring, market expansion, inflation and growth initiatives, so headline revenue growth may not translate proportionately into profit growth.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $1.71B Jun 30, 2026
- Latest quarter · net income
- $328.00M Jun 30, 2026
- Latest quarter · EPS
- $2.0700 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $1.71B | $328.00M | $2.0700 (diluted) |
| Mar 31, 2026 | $1.80B | $150.00M | $1.7400 (diluted) |
| Dec 31, 2025 | $846.22M | $169.78M | $2.1300 (diluted) |
| Sep 30, 2025 | $544.80M | $173.37M | $2.1900 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.24B Jul 22, 2026
- Latest report · revenue estimate
- $1.24B Jul 22, 2026
- Latest report · revenue vs estimate
- In line Jul 22, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 22, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 22, 2026 | $1.24B | $1.24B | $2.5000 | $2.4600 |
| Apr 22, 2026 | $1.23B | $1.20B | $2.3900 | $2.3200 |
| Jan 21, 2026 | $846.22M | $552.63M | $2.2400 | $2.2600 |
| Oct 15, 2025 | $544.80M | $523.82M | $2.2700 | $2.0400 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.71B | $328M | $2.07 (diluted) |
| Q1 FY2026 | $1.80B | $150M | $1.74 (diluted) |
| Q4 FY2025 | $846M | $170M | $2.13 (diluted) |
| Q3 FY2025 | $545M | $173M | $2.19 (diluted) |
What are the financial strengths and risks for Pinnacle Financial Partners (PNFP)?
Short answer · as of
The MoonshotScore pillars rate an attractive price, durable growth as strengths.
Research dated 2026-09-13.
Cash and short-term investments expanded sharply in the latest period, and the broader cash-and-investment pool exceeds reported debt. Much of that broader pool sits in long-term investments with an unclassified designation, while total liabilities remain substantial, so the headline liquidity balance should not be treated like surplus cash at an industrial company.
Operating cash flow has swung widely across recent periods, including a negative reading followed by strong inflows and a much softer latest result. Profitability is positive, but returns on assets and equity remain restrained; the business would be hurt by a combination of weaker credit performance, costly funding and expenses arriving before new client relationships generate adequate revenue.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $90.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $926.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $90.00M | −$23.00M |
| Mar 31, 2026 | $926.00M | −$15.00M |
| Dec 31, 2025 | $115.72M | −$26.56M |
| Sep 30, 2025 | $403.25M | $39.38M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Pinnacle Financial Partners (PNFP)?
Short answer · as of
The next earnings report is expected on Oct 21, 2026.
Research dated 2026-09-13.
Watch whether partnership revenue returns with the matched expense burden management described, and whether producer hiring and market expansion create enough lending, deposit and fee activity to absorb higher costs. The useful signal is not revenue growth alone, but the conversion of that growth into operating profit and cash generation.
The scheduled earnings release offers the next checkpoint. Expectations call for continued revenue and earnings expansion over the annual forecast horizon, while recent results have alternated between clear beats and mixed revenue outcomes; sustained progress requires cleaner alignment among reported revenue, earnings and cash flow.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
We expect to have approximately $40 million in revenue and $20 million in expense in 2026 due to these.
Andrew Gregory ·
These flows have already resumed in the third quarter, and we expect that will result in just under $10 million revenue and a similar amount of expense in the third quarter.
Andrew Gregory ·
We anticipate an increase versus the first half of the year, driven by revenue producer hiring, market expansion, incremental expenses associated with third-party partnership revenue and normal inflationary and growth-related costs.
Kevin Blair ·
And we expect that in 2027 and when you think about capital targets in the world of the new [indiscernible] that changes how you can look at it because [indiscernible] AOCI is countercyclical.
Andrew Gregory ·
How does Pinnacle Financial Partners compare with its peers?
Short answer
Pinnacle Financial Partners's score ranks 5th of 5 in the bounded comparison shown, against 4 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Pinnacle differs from a narrower regional bank through the breadth of services attached to its commercial relationships. Alongside deposits and credit, it offers treasury management, fiduciary services, brokerage, insurance, merger advice and private-capital advisory work, giving it more ways to deepen a client relationship than lending alone.
That breadth also complicates comparison. Revenue can shift with advisory activity and partnership flows as well as banking fundamentals, while the shares trade near reported book value and profitability ratios remain moderate. Comparable analysis should therefore separate the value of the commercial franchise from the earnings contribution and cost burden of fee businesses.
| Company | Price | Market value | Score |
|---|---|---|---|
| $158.14 Oct 2, 2026 | $10.1B | 87 5-pillar Oct 4, 2026 | |
| $128.36 Oct 2, 2026 | $7.80B | 84 5-pillar Oct 4, 2026 | |
| $28.92 Oct 2, 2026 | $8.18B | 78 5-pillar Oct 4, 2026 | |
| $55.28 Oct 2, 2026 | $8.06B | 78 5-pillar Oct 4, 2026 | |
| Pinnacle Financial Partners (PNFP) — this page | $96.09 | $14.5B | 64 |
| $42.11 Sep 7, 2026 | $7.85B | — Model unavailable | |
| $75.21 Date unavailable | $18.3B | — Model unavailable | |
| $17.68 Date unavailable | $9.80B | — Model unavailable | |
| $91.91 Date unavailable | $21.8B | — Model unavailable | |
| $32.03 Date unavailable | $7.68B | — Model unavailable | |
| $47.04 Date unavailable | $6.48B | — Model unavailable | |
| $3.16 Date unavailable | $34.4B | — Model unavailable | |
| $53.11 Date unavailable | $5.90B | — Model unavailable |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $63.00 – $190.00
- Consensus target
- $120.42
- Median target
- $119.00
Consensus record · Captured .
Measured against a quoted price of $96.09 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 10, 2026
- Transactions
- 3
- Identified insiders
- 3
- Purchases
- 2
- Sales
- 0
- Other transactions
- 1
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Reporting holders
- 724 Period end Jun 30, 2026
- Previous quarter · holders
- 650 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 16,898,375 |
| Wellington Management Group Llp | 11,141,397 |
| Fmr LLC | 10,488,929 |
| Vanguard Portfolio Management LLC | 6,907,959 |
| Vanguard Capital Management LLC | 6,576,622 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Pinnacle Financial Partners (PNFP)?
Common Questions About PNFP (Financial Services)
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does Pinnacle Bank earn money beyond commercial lending?
Pinnacle adds fees through treasury management, brokerage, investment advice, fiduciary services, insurance and middle-market transaction advisory. These offerings extend the economics of a banking relationship beyond interest earned on loans.
Why can Pinnacle partnership revenue rise without a matching profit increase?
Management says resumed third-party partnership flows bring a similar amount of expense alongside the revenue. That structure can lift the top line while contributing much less to operating profit.
What does Pinnacle’s cash and investment balance imply about liquidity?
The combined pool exceeds reported debt, but most of it is classified as long-term investments and the company carries a large liability base. For a deposit-taking bank, liquidity should be judged alongside funding stability and asset composition rather than from the headline cash total alone.
Has Pinnacle Financial Partners changed its dividend pattern?
Recent payments show a step-up followed by a steady payout. The sequence establishes a higher recent distribution level, though it does not establish that the level will be permanent.
What is the PNFP stock price today?
The last price recorded on this page for Pinnacle Financial Partners, Inc. (PNFP) is $96.09, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the PNFP price target?
The analyst consensus price target for Pinnacle Financial Partners, Inc. (PNFP) is $120.42 (range $63.00 to $190.00, median $119.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (72 figures)
The 72 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Andrew Gregory (Jul 23, 2026): We expect to have approximately $40 million in revenue and $20 million in expense in 2026 due to these. Andrew Gregory (Jul 23, 2026): These flows have already resumed in the third quarter, and we expect that will result in just under $10 million revenue and a similar amount of expense in the third quarter. Kevin Blair (Jul 23, 2026): We anticipate an increase versus the first half of the year, driven by revenue producer hiring, market expansion, incremental expenses associated with third-party partnership revenue and normal inflationary and growth-related costs. Andrew Gregory (Jul 23, 2026): And we expect that in 2027 and when you think about capital targets in the world of the new [indiscernible] that changes how you can look at it because [indiscernible] AOCI is countercyclical. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Atlanta, GA | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "3400 Overton Park Drive, Atlanta, GA, 30339, US". |
FMP — 61 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $96.09 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:14:25.157Z. | |
px.change | Change on the day | +1.54% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $14.5B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:02.000Z. Captured from FMP at 2026-10-04T21:14:23.317Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 21, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$1.46 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.71B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 11.75 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.70M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.01 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Kevin S. Blair | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.founder | Founder named in the filing | Michael Terry Turner — Founder & Chairman | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 8,433 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.22B, net result $527.32M; FY2022 revenue $1.55B, net result $560.74M; FY2023 revenue $2.47B, net result $562.15M; FY2024 revenue $2.85B, net result $475.06M; FY2025 revenue $2.92B, net result $642.10M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.71B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $328.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $2.0700 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.80B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $150.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $1.7400 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $846.22M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $169.78M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $2.1300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $544.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $173.37M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $2.1900 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-22.revenue_actual | Revenue · reported — report date 2026-07-22 | $1.24B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-22.revenue_estimated | Revenue · estimate — report date 2026-07-22 | $1.24B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-22.eps_actual | EPS · reported — report date 2026-07-22 | $2.5000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-22.eps_estimated | EPS · estimate — report date 2026-07-22 | $2.4600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-22.revenue_actual | Revenue · reported — report date 2026-04-22 | $1.23B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-22.revenue_estimated | Revenue · estimate — report date 2026-04-22 | $1.20B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-22.eps_actual | EPS · reported — report date 2026-04-22 | $2.3900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-22.eps_estimated | EPS · estimate — report date 2026-04-22 | $2.3200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_actual | Revenue · reported — report date 2026-01-21 | $846.22M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.revenue_estimated | Revenue · estimate — report date 2026-01-21 | $552.63M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_actual | EPS · reported — report date 2026-01-21 | $2.2400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-21.eps_estimated | EPS · estimate — report date 2026-01-21 | $2.2600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_actual | Revenue · reported — report date 2025-10-15 | $544.80M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_estimated | Revenue · estimate — report date 2025-10-15 | $523.82M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_actual | EPS · reported — report date 2025-10-15 | $2.2700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_estimated | EPS · estimate — report date 2025-10-15 | $2.0400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $90.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $926.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$23.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$15.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $115.72M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$26.56M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $403.25M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | $39.38M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $63.00 – $190.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $120.42 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $119.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 3 transactions · 2 purchases, 0 sales, 1 other transactions · 3 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 10, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.holders | Reporting holders | 724 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 650 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 16,898,375 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Wellington Management Group Llp — shares in provider snapshot | 11,141,397 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Fmr LLC — shares in provider snapshot | 10,488,929 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 6,907,959 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 6,576,622 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z 0.18 · Piotroski F 6 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation | |
px.range52 | 52-week range | $81.08 – $110.33 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.74 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-04, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.81% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-22.revenue_actual.comparison | Latest report · revenue vs estimate | In line | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.24B) with the recorded estimate ($1.24B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-22.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($2.5000) with the recorded estimate ($2.4600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 64 of 100 · Fair · pillars 62 / 30 / 84 / 72 / 46 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 64 (stored snapshot Oct 3, 2026) → 64 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-22. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-22.revenue_actual,earn.history.depth.2026-07-22.revenue_estimated,earn.history.depth.2026-07-22.revenue_actual.comparison,earn.history.depth.2026-07-22.eps_actual.comparison,earn.history.depth.2026-07-22.eps_actual,earn.history.depth.2026-07-22.eps_estimated,earn.history.depth.2026-04-22.revenue_actual,earn.history.depth.2026-04-22.revenue_estimated,earn.history.depth.2026-04-22.eps_actual,earn.history.depth.2026-04-22.eps_estimated,earn.history.depth.2026-01-21.revenue_actual,earn.history.depth.2026-01-21.revenue_estimated,earn.history.depth.2026-01-21.eps_actual,earn.history.depth.2026-01-21.eps_estimated,earn.history.depth.2025-10-15.revenue_actual,earn.history.depth.2025-10-15.revenue_estimated,earn.history.depth.2025-10-15.eps_actual,earn.history.depth.2025-10-15.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Legal name | Pinnacle Financial Partners, Inc. | 2026-03-02 | OFFICIAL | SEC EDGAR — 10-K filed 2026-03-02 |
| Business description | Pinnacle Financial Partners, Inc. functions as a bank holding company, overseeing Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States. The company facilitates various types of deposit accounts for its clients, including savings accounts, standard checking accounts (both interest-bearing and noninterest-bearing), money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering commercial loans for purposes like equipment financing and working capital, along with commercial real estate loans for investment properties and business ventures backed by real estate. For individual clients, Pinnacle Bank offers secured and unsecured installment loans, term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. Additionally, it issues credit cards for both consumers and businesses. Beyond traditional banking, Pinnacle Financial Partners provides a suite of securities and other financial offerings, diverse investment products, and comprehensive brokerage and investment advisory programs. It also specializes in fiduciary and investment management services, catering to personal trusts, endowments, foundations, individual retirement accounts (IRAs), pensions, and custody arrangements. Further expanding its services, the company operates an insurance agency, predominantly focusing on property and casualty coverage. It also offers expert advice on mergers and acquisitions, and provides specialized advisory services for private debt, equity, mezzanine financing, and other middle-market transactions. For day-to-day banking needs, Pinnacle offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit, remote and mobile deposit capture options, automated teller machines (ATMs), and various cash management services. Its diverse clientele includes individuals, small to medium-sized businesses, and professional organizations. As of December 31, 2020, the company maintained a network of 114 offices: 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was established in 2000 and its main corporate office is located in Nashville, Tennessee. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-22 | FMP | Financial Modeling Prep (FMP) earnings |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-23 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6021 — National Commercial Banks. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Cash, investments and debt | Total debt: $11.10B; Liquidity basis: cash and short-term investments; Total liabilities: $114.23B; Cash and short-term investments: $25.80B; Cash and investments: $116.02B; Long-term investments: $90.22B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $116.02B; Cash and short-term investments: $25.80B; Long-term investments: $90.22B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Trailing twelve-month ratio set | Quick ratio: 0.76; Current ratio: 0.76; Debt to equity: 0.75; Net margin: 16.8%; Gross margin: 67.5%; Operating margin: 20.9%; Return on assets: 0.6%; Return on equity: 7.6% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Next earnings report | Date: 2026-10-21; EPS estimate: $2.6 per share; Revenue estimate: $1.28B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-07 | FMP | Financial Modeling Prep (FMP) dividend history |
Data provided for informational purposes only.
ETFs that hold PNFP
Funds in our ETF coverage that list PNFP among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| AGF U.S. Market Neutral Anti-Beta Fund (BTAL) | 0.69% |