Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Pinnacle Financial Partners (PNFP)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$104.26+1.32%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
11.48 → 11.64 EPS · FY ending Dec 31, 2027 · 16 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 16 to 16; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for PNFP yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Use $750 million senior notes to support growth | The bank issued $750 million in notes to support growth. | Intact | Capital raised fails to support growth | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional banking growth and merger-integration story, with recent performance strong and earnings quality rated robust. The long-term thesis is intact, and the latest signal has shifted from mixed to mildly favorable, though management execution is mixed in some areas.
The valuation evidence is mixed: PNFP is tagged as cheap versus peers, while the peer-premium measure points the other way, and the overall value assessment is neutral. The expectations gap is negative, but the evidence does not specify what the market assumes in detail; valuation fragility is rated low.
Near term, reported revenue and balance-sheet measures increased from Q2 to Q3, and revenue producer hiring also rose; merger effects make period comparisons harder. Synovus integration remains a priority, but higher total expenses in Q3 and merger-related costs leave synergy delivery mixed. Near-term miss risk is rated low, though a past deep miss and recent peer misses remain watch points.
The multi-year view hinges on continued loan, deposit, and fee growth, alongside effective Synovus integration and expense control. Near term, a guidance cut or rate cuts from the current level would weigh on the setup, while continued earnings strength among sector bellwethers could support sector momentum.
For the next 1 to 3 years, PNFP’s thesis is supported by strong recent performance and growth priorities, but depends on merger execution and the rate and sector backdrop. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Pinnacle Financial Partners's published investment case. The stated target is >=11.63 USD_PER_SHARE. |
| Under Pressure |
| EPS falls below $10 in FY27 |
Diluted EPS: $2.40 per share FY2026-Q3; GAAP. Published target: >=11.63 USD_PER_SHARE. Annual target cannot be compared with a quarterly or TTM observation. Nov 2, 20262.4 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Complete merger with Synovus successfully | A primary condition in Pinnacle Financial Partners's published investment case. The stated target is merger finalized and integrated. | Intact | Merger fails or integration stalls | Qualitative: Integration advancing (Q2 loan growth, leadership extension) Q2 loan growth and leadership extensions strongly reinforce successful Synovus integration and post-merger growth trajectory. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Expand hiring of revenue producers post-merger | Hiring more revenue producers will help grow sales. | Intact | Hiring slows or fails to increase revenue | Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$11.66 → $11.64 · observed estimates
$5.47B → $5.54B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $11.66 | $5,465,526,430 | 19 / 17 |
| 2026-07-25 | $11.52 | $5,459,978,430 | 19 / 17 |
| 2026-07-26 | $11.52 | $5,459,978,430 | 19 / 17 |
| 2026-07-27 | $11.50 | $5,451,597,196 | 13 / 13 |
| 2026-07-28 | $11.52 | $5,458,672,350 | 19 / 17 |
| 2026-07-29 | $11.43 | $5,452,747,572 | 13 / 13 |
| 2026-07-30 | $11.43 | $5,452,747,572 | 13 / 13 |
| 2026-07-31 | $11.45 | $5,459,806,380 | 19 / 17 |
| 2026-08-01 | $11.43 | $5,452,747,572 | 13 / 13 |
| 2026-08-02 | $11.45 | $5,459,806,380 | 19 / 17 |
| 2026-08-03 | $11.45 | $5,459,806,380 | 19 / 17 |
| 2026-08-04 | $11.43 | $5,452,747,572 | 14 / 13 |
| 2026-08-05 | $11.43 | $5,452,747,572 | 14 / 13 |
| 2026-08-06 | $11.43 | $5,452,747,572 | 14 / 13 |
| 2026-08-07 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-08 | $11.45 | $5,460,229,910 | 19 / 17 |
| 2026-08-09 | $11.45 | $5,460,229,910 | 19 / 17 |
| 2026-08-10 | $11.45 | $5,460,229,910 | 19 / 17 |
| 2026-08-12 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-13 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-14 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-15 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-16 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-17 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-18 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-19 | $11.43 | $5,453,159,761 | 14 / 13 |
| 2026-08-20 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-21 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-22 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-23 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-24 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-25 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-26 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-27 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-28 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-29 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-30 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-08-31 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-01 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-02 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-03 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-04 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-05 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-06 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-07 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-08 | $11.43 | $5,452,511,572 | 14 / 13 |
| 2026-09-09 | $11.46 | $5,458,718,831 | 14 / 13 |
| 2026-09-10 | $11.47 | $5,459,451,764 | 14 / 14 |
| 2026-09-11 | $11.47 | $5,459,451,764 | 14 / 14 |
| 2026-09-12 | $11.47 | $5,459,451,764 | 15 / 13 |
| 2026-09-13 | $11.47 | $5,459,451,764 | 15 / 13 |
| 2026-09-14 | $11.47 | $5,459,451,764 | 15 / 13 |
| 2026-09-15 | $11.47 | $5,459,451,764 | 15 / 13 |
| 2026-09-16 | $11.47 | $5,459,451,764 | 15 / 13 |
| 2026-09-17 | $11.47 | $5,459,949,040 | 15 / 14 |
| 2026-09-18 | $11.47 | $5,459,949,040 | 15 / 14 |
| 2026-09-19 | $11.47 | $5,459,949,040 | 15 / 14 |
| 2026-09-20 | $11.47 | $5,459,949,040 | 15 / 14 |
| 2026-09-21 | $11.47 | $5,459,949,040 | 15 / 14 |
| 2026-09-22 | $11.47 | $5,459,949,040 | 15 / 14 |
| 2026-09-23 | $11.44 | $5,459,887,193 | 15 / 13 |
| 2026-09-24 | $11.44 | $5,459,887,193 | 15 / 13 |
| 2026-09-25 | $11.45 | $5,461,605,115 | 15 / 13 |
| 2026-09-26 | $11.45 | $5,461,581,930 | 16 / 14 |
| 2026-09-27 | $11.45 | $5,461,581,930 | 16 / 14 |
| 2026-09-28 | $11.45 | $5,463,577,222 | 16 / 14 |
| 2026-09-29 | $11.45 | $5,463,577,222 | 16 / 14 |
| 2026-09-30 | $11.45 | $5,463,577,222 | 16 / 14 |
| 2026-10-01 | $11.45 | $5,463,577,222 | 16 / 14 |
| 2026-10-02 | $11.48 | $5,469,262,991 | 16 / 14 |
| 2026-10-03 | $11.48 | $5,469,262,991 | 16 / 14 |
| 2026-10-04 | $11.48 | $5,469,262,991 | 16 / 14 |
| 2026-10-05 | $11.48 | $5,469,262,991 | 16 / 14 |
| 2026-10-06 | $11.50 | $5,473,611,378 | 16 / 14 |
| 2026-10-07 | $11.50 | $5,472,295,588 | 16 / 14 |
| 2026-10-08 | $11.49 | $5,472,295,588 | 16 / 14 |
| 2026-10-09 | $11.49 | $5,464,327,167 | 16 / 14 |
| 2026-10-10 | $11.49 | $5,464,327,167 | 16 / 14 |
| 2026-10-11 | $11.48 | $5,466,969,273 | 16 / 14 |
| 2026-10-12 | $11.48 | $5,466,969,273 | 16 / 14 |
| 2026-10-13 | $11.48 | $5,466,969,273 | 16 / 14 |
| 2026-10-14 | $11.48 | $5,466,969,273 | 16 / 14 |
| 2026-10-15 | $11.48 | $5,466,969,273 | 16 / 14 |
| 2026-10-16 | $11.48 | $5,466,969,273 | 16 / 15 |
| 2026-10-17 | $11.48 | $5,466,969,273 | 16 / 15 |
| 2026-10-18 | $11.48 | $5,466,969,273 | 16 / 15 |
| 2026-10-19 | $11.48 | $5,466,969,273 | 16 / 15 |
| 2026-10-20 | $11.48 | $5,466,969,273 | 16 / 15 |
| 2026-10-21 | $11.48 | $5,466,969,273 | 16 / 15 |
| 2026-10-22 | $11.49 | $5,470,884,103 | 16 / 15 |
| 2026-10-23 | $11.54 | $5,490,131,277 | 16 / 14 |
| 2026-10-24 | $11.57 | $5,495,204,613 | 16 / 14 |
| 2026-10-25 | $11.57 | $5,495,204,613 | 16 / 14 |
| 2026-10-26 | $11.57 | $5,495,204,613 | 16 / 14 |
| 2026-10-27 | $11.57 | $5,495,204,613 | 16 / 14 |
| 2026-10-28 | $11.64 | $5,531,125,129 | 16 / 15 |
| 2026-10-29 | $11.64 | $5,531,125,129 | 16 / 15 |
| 2026-10-30 | $11.64 | $5,531,125,129 | 16 / 14 |
| 2026-10-31 | $11.64 | $5,531,125,129 | 16 / 14 |
| 2026-11-01 | $11.64 | $5,534,983,024 | 16 / 14 |
| 2026-11-02 | $11.64 | $5,534,983,024 | 16 / 14 |
| 2026-11-03 | $11.64 | $5,535,983,024 | 16 / 14 |
| 2026-11-04 | $11.64 | $5,535,983,024 | 16 / 14 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 18 Buy / Strong Buy · 4 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 11 recorded
4 raises · 0 cuts · 0 unchanged · 2 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.