Pinnacle Financial Partners (PNFP)
Financials · regional banks · NYSE
Pinnacle Financial Partners is a regional financial services company providing commercial and consumer banking through its network of branches and digital channels across the United States.
What Pinnacle Financial Partners does
Pinnacle Financial Partners is a financial holding company that operates its banking business primarily through its wholly-owned subsidiary, Pinnacle Bank. Following its January 2026 merger with Synovus Financial Corp., the company provides a comprehensive range of commercial, consumer, and mortgage banking services, alongside corporate and investment banking (CIB) capabilities. It maintains an extensive presence across the Southeast and other regions of the United States.
Themes: commercial banking, regional banking consolidation, mortgage lending, corporate and investment banking
Fundamentals
- Price$102.26 as of 2026-08-21 close
- Market cap$15.5B as of 2026-08-21
- 1-year return+10.7% 2025-08-21 close $92.39 → 2026-08-21 close $102.26
- P/E19.80 as of 2026-08-24
- Net margin+35.6% as of 2026-08-24
- ROE+7.6% as of 2026-08-24
- Debt / equity0.06 as of 2026-08-24
- Beta1.04 as of 2026-08-24
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.2%; pays a dividend.
How PNFP compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- net profit margintop 25% 538 covered Financials peers, as of 2026-08-24
- operating margintop 25% 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)top 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
PNFP is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no growth data.
Short-term score
49.7 #807 of 1,704 scored · #136 of 277 in Financials
Setup 70th: no fresh 20-day breakout up or down; catalysts 64th: analysts have raised their average price target by 0.3% since the prior reading; weakest is volume and participation 18th: trading volume is about normal versus its 30-day average.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, PNFP's dividend was covered by reported results (earnings payout 12%, free-cash-flow payout 11%). This describes past coverage, not a forecast.
- Earnings payout12% dividends / net income
- Free-cash-flow payout11% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How Pinnacle Financial Partners looks technically
Pinnacle Financial Partners (PNFP) is trading 6.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 55 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 4 trading days ago (its momentum flipped negative). It made a new 20-day high about 14 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 6.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +6.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $101.53 | $101.53 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $95.78 | $95.78 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 11 calendar days ago — the swings before that are what the structure reading is measured on | 11 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 55 trading days ago — a "golden cross", a bullish long-term signal | 55 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 21.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30) | 45.3 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($100.94 to $110.33) — its "stochastic" reading is 14 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 14.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 4 trading days ago (its momentum flipped negative) | 4 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $110.33 | $110.33 |
|---|---|---|
| From the 52-week high | it is 7.3% below its 52-week high (its highest price of the past year) | -7.3% |
| Above the 52-week low | it is 26.1% above its 52-week low (its lowest price of the past year) | +26.1% |
| Below the 52-week high | it is 7.3% below its highest point of the past year | 7.3% |
| Since a 20-day breakout | it made a new 20-day high about 14 trading days ago | 14 sessions |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $131.91 (set on 2024-11-25) | $131.91 |
| Given back of the 52-week move | over the past year its closes ranged ($82.10 to $109.03), and it has given back roughly a quarter of its rise from last year’s low — 25% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $91.53 to $92.39. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 25.1% |
| From the all-time high | it is 22.5% below its all-time high | -22.5% |
| Nearest price level | it is trading 0.6% below a resistance level at $102.85 — a price it turned at 8 times since 2025-04-23, most recently on 2026-08-10. Since 2024-08-21 it has 6 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.6% |
| All-time low | its lowest closing price on record is $8.40 (set on 2010-09-23) | $8.40 |
| Above the all-time low | it is 1117.4% above its all-time low | +1,117% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 32nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.36 between its high and its low — about 2.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.36 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $101.36 and $109.46 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $101.36 – $105.41 – $109.46 |
| Typical daily range (% of price) | its price moves about 2.3% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.3% |
| Stretch from the 200-day average | it is trading 2.8 daily ranges above its 200-day average price (6.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.63× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Gap filled | a 2.8% gap down opened on 2026-06-11 has been "filled" 46 sessions ago — price traded back through the level the gap left behind, and it took 2 sessions to close | 46 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +0.58% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 3.3 percentage points (the stock gained 5.7% while the market gained 2.3%) | +3.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 2.0 percentage points (the stock gained 5.1% while the market gained 3.1%) | +2.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 9.8 percentage points (the stock gained 1.3% while the market gained 11.1%) | -9.8% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 9.8 percentage points (the stock gained 10.7% while the market gained 20.5%) | -9.8% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold), trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 3.2% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.3% of the share price, which is taken to mean a barrier that gives way easily. | +3.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 6% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $96.42 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +6.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $104.24 — a volume-weighted average of daily closes over 23 sessions, not a true tick-by-tick VWAP. | -1.9% |
Price levels it has turned at before
PNFP last closed at $102.26 on 2026-08-21. Since 2024-08-21 it has turned at 6 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $102.85 | Resistance | 0.6% above the last close | turned there 8 times · 2025-04-23 to 2026-08-10 |
| $100.15 | Support | 2.1% below the last close | turned there 10 times · 2024-08-30 to 2026-06-17 |
| $107.03 | Resistance | 4.7% above the last close | turned there twice · 2024-10-17 to 2026-01-22 |
| $97.45 | Support | 4.7% below the last close | turned there twice · 2025-03-11 to 2026-07-08 |
| $110.34 | Resistance | 7.9% above the last close | turned there five times · 2024-12-20 to 2026-08-04 |
| $92.66 | Support | 9.4% below the last close | turned there 9 times · 2024-10-03 to 2026-06-11 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · lagging the market · At the bottom of its 14-day range (stochastic below 20) · Under water since its last earnings report (below the anchored VWAP) · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.70 mean, 1=Strong Buy…5=Strong Sell) — 20 analysts
- Mean price target$119.25 range $110.00 – $131.00; median $118.50
Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PNFP
- Consensus EPS estimate$2.62 next reporting period, as of 2026-08-23
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Exposure to credit risks including potential loan losses and changes in borrowers' ability to repay.","Sensitivity to interest rate fluctuations and general economic conditions impacting net interest margin.","Risks associated with integrating the operations and systems of the recent merger between Legacy Pinnacle and Synovus."]
Insider activity (SEC Form 4)
1 open-market purchase and 1 open-market sale by insiders in the last 90 days.
- Last 30 days0 buys · 1 sell ($295623) — 1 selling insider
- Last 90 days1 buy ($1M) · 1 sell ($295623) — 1 buying, 1 selling insiders
- Last 180 days1 buy ($1M) · 1 sell ($295623) — 1 buying, 1 selling insiders
Activity heuristic: mixed (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-06. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PNFP's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding PNFP as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 33,034,549
- Reported value $2,845,596,100
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
PNFP had 5,236,543 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
PNFP had 3.47% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.44 days to cover at the same settlement.
- Reported short interest (shares) 5,236,543
- Short interest (% of shares outstanding) 3.47%
- Prior settlement (shares) 5,941,719
- Reported change -11.87%
- Days to cover (reported) 3.44
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Regions Financial (RF)
- Truist Financial (TFC)
- Fifth Third Bancorp (FITB)
- Comerica (CMA)
- Zions Bancorporation (ZION)
- Huntington Bancshares (HBAN)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Pinnacle Financial Partners (PNFP) do?
Pinnacle Financial Partners is a financial holding company that operates its banking business primarily through its wholly-owned subsidiary, Pinnacle Bank. Following its January 2026 merger with Synovus Financial Corp., the company provides a comprehensive range of commercial, consumer, and mortgage banking services, alongside corporate and investment banking (CIB) capabilities. It maintains an extensive presence across the Southeast and other regions of the United States.
What sector is Pinnacle Financial Partners (PNFP) in?
Pinnacle Financial Partners (PNFP) is classified in the Financials sector. Its industry is regional banks. It trades on NYSE.
Does PNFP pay a dividend?
Yes — Pinnacle Financial Partners (PNFP) pays a dividend, with an indicated yield of about 1.23% (market data, as of 2026-08-24). Informational only — not financial advice.
Who are Pinnacle Financial Partners's (PNFP) competitors?
Notable peers of Pinnacle Financial Partners (PNFP) include Regions Financial, Truist Financial, Fifth Third Bancorp, Comerica and Zions Bancorporation. This peer set is informational only — not financial advice.
Is Pinnacle Financial Partners (PNFP) overbought or oversold right now?
Pinnacle Financial Partners (PNFP) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PNFP come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.