PNFP Stock Analysis: Buy, Sell, or Hold?
PNFP - Pinnacle Financial Partners In
$86.14
2.49 (2.98%)
▲
5d:
+2.43%
30d:
-7.05%
90d:
-13.31%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 13, 2026
11d
Smart Money Accumulation
PNFP is down 3.6% this week, but smart money is accumulating calls. Top strike: $90 2026-04-17 with 180 OI. Call ratio: 76% View Scanner →
Strength: 4.4/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: PNFP trading at deep discount. Market pricing in -5.4% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: PNFP trading at deep discount. Market pricing in -5.4% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$162.18
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$100.70
14.5% Margin of Safety
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 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PNFP is currently trading at $86.14, which is considered slightly low relative to its 30-day fair value range of $83.45 to $95.02. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.3) compared to its historical average (8.6). Remarkably, the market is currently pricing in an annual earnings decline of 5.4% over the next few years. This pessimistic expectation contrasts with the company's recent 12.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PNFP is in a strong downtrend. The price is approaching resistance at $86.05. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $115.32 (+33.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PNFP is in a strong downtrend. The price is approaching resistance at $86.05. 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 (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $115.32 (+33.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$83.45 -
$95.02
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
90.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 33.9% below Wall St target ($115.32)
Fair Price Analysis
30-Day Fair Range
$83.45 -
$95.02
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$81.08
Resistance Level
$86.05
Current Trend
Strong Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.26
Wall Street Target
$115.32
(+33.9%)
Revenue Growth (YoY)
14.0%
Earnings Growth (YoY)
12.7%
Profit Margin
33.0%
Valuation Discount vs History
-5.4% cheaper
PE vs Historical
7.3 vs 8.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.4%
(market-implied from PE analysis)
1-Year Target
$81.49
(-5%)
2-Year Target
$77.09
(-11%)
3-Year Target
$72.93
(-15%)
3-Yr Target (if PE normalizes)
(PE: 7→9)
$86.33
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 15.6%)
$409.06
(+375%)
Base:
(SPY PE: 7.3, Growth: 15.6%)
$132.96
(+54%)
Bear:
(PE: 6.2, Growth: 15.6%)
$113.01
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 10.61 | Current EPS (TTM): $7.84
Bull Case
$138.39
(+65%)
Analyst growth 51.2%, PE expands to 11.7
Base Case
$125.81
(+50%)
Market implied 51.2%, PE stable at 10.6
Bear Case
$56.56
(-33%)
Severe decline -20.0%, PE contracts to 9.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.3 to 8.6
Stabilization Target:
$101.98
(+18.4%)
PE Expansion Potential:
+18.4%
Share & Embed Analysis
Last updated: March 31, 2026 11:56 PM ET
Data refreshes hourly during market hours. Next update: 12:56 AM
Data refreshes hourly during market hours. Next update: 12:56 AM
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Technical Signals Check
Is PNFP showing a specific setup today?
Insider Activity (6 Months)
2
Buys
1
Sells
+
Net
INSIDERS SELLING
Recent Transactions
Andrew J Jr. Gregory
BUY
1000 shares
2026-02-12
Robert A Mccabe Jr
SELL
6775 shares
2025-11-26
G Kennedy Thompson
BUY
5000 shares
2025-10-20
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Advanced PNFP Option Strategies
Professional options setups generated by AI based on today's PNFP price and gamma walls.
