PNFP Stock Analysis: Buy, Sell, or Hold?
PNFP - Pinnacle Financial Partners In
$95.09
0.12 (0.13%)
▲
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Apr 13, 2026
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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 -5.2% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: PNFP trading at deep discount. Market pricing in -5.2% 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
$177.28
Based on 9.9% avg growth
INTRINSIC VALUE TODAY
$110.08
13.6% 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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PNFP is currently trading at $95.09, which is considered oversold relative to its 30-day fair value range of $95.14 to $99.68. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.0) compared to its historical average (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 5.2% over the next few years. This pessimistic expectation contrasts with the company's recent 12.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PNFP is in a strong downtrend. The price is currently testing key support at $93.36. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $115.87 (+21.9%). 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 currently testing key support at $93.36. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $115.87 (+21.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$95.14 -
$99.68
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.9% below Wall St target ($115.87)
Fair Price Analysis
30-Day Fair Range
$95.14 -
$99.68
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$93.37
Resistance Level
$107.00
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
8.04
Wall Street Target
$115.87
(+21.9%)
Revenue Growth (YoY)
14.0%
Earnings Growth (YoY)
12.0%
Profit Margin
33.0%
Valuation Discount vs History
-5.2% cheaper
PE vs Historical
8.0 vs 9.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.2%
(market-implied from PE analysis)
1-Year Target
$90.15
(-5%)
2-Year Target
$85.46
(-10%)
3-Year Target
$81.01
(-15%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$94.76
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 15.7%)
$408.98
(+330%)
Base:
(SPY PE: 8.0, Growth: 15.7%)
$147.39
(+55%)
Bear:
(PE: 6.8, Growth: 15.7%)
$125.28
(+32%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 11.96 | Current EPS (TTM): $7.84
Bull Case
$155.67
(+64%)
Analyst growth 50.9%, PE expands to 13.2
Base Case
$141.52
(+49%)
Market implied 50.9%, PE stable at 12.0
Bear Case
$63.76
(-33%)
Severe decline -20.0%, PE contracts to 10.2
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 8.0 to 9.4
Stabilization Target:
$111.22
(+17.0%)
PE Expansion Potential:
+17.0%
Last updated: February 01, 2026 1:00 AM ET
Data refreshes hourly during market hours. Next update: 2:00 AM
Data refreshes hourly during market hours. Next update: 2:00 AM
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Technical Signals Check
Is PNFP showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
G Kennedy Thompson
BUY
5000 shares
2025-10-20
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