Pinnacle Financial Partners (PNFP)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$101.49-2.66%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · PNFP
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks PNFP against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
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 guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Strong loan and deposit growth and outsized growth in fee income have driven double-digit diluted EPS growth year over year.
Stated in 3 of 3 supplied quarters. Management reported: “Strong loan and deposit growth and outsized growth in fee income have driven double-digit diluted EPS growth year over year.” “• Period-end loans were $88.1 billion at June 30, 2026 up $2.9 billion or 3% from the prior quarter.” Revenue was $1.639 billion in 2026-Q3.
“Strong loan and deposit growth and outsized growth in fee income have driven double-digit diluted EPS growth year over year.”
“Our second quarter results prove it scales with discipline intact, delivering outsized growth in loans and earnings per share without compromising the culture and client connections that set this fir…”
“We delivered strong loan and deposit growth, expanded revenue and hired 50 new revenue producers, while moving forward with 8,500 team members who never took their eye off the client.”
Excluding merger-related expense and certain other items, adjusted non-interest expense was $690 million, up 4% on a linked-quarter basis, with increased employment expense primarily driven by a true…
Stated in 3 of 3 supplied quarters. Management reported: “Excluding merger-related expense and certain other items, adjusted non-interest expense was $662 million, down 2% on a linked-quarter basis, as realized merger synergies and lower personnel costs more than offset continued investments in revenue producers and technology.” “Expense management was disciplined and the majority of the merger-related expense synergies that are expected in 2026 were realized in the first quarter.”
Pinnacle added 96 experienced revenue producers during the third quarter, compared to 74 in second quarter 2026.
Stated in 3 of 3 supplied quarters. Management reported: “Pinnacle added 96 experienced revenue producers during the third quarter, compared to 74 in second quarter 2026.” “Pinnacle added 74 experienced revenue producers during the second quarter, compared to 50 in first quarter 2026 and a combined 65 in the prior-year period.”
“Pinnacle added 96 experienced revenue producers during the third quarter, compared to 74 in second quarter 2026.”
• The preliminary Common Equity Tier 1 (CET1) ratio ended third quarter 2026 at 10.01%, up from 9.93% in the second quarter.
Stated in 3 of 3 supplied quarters. Management reported: “• The preliminary Common Equity Tier 1 (CET1) ratio ended third quarter 2026 at 10.01%, up from 9.93% in the second quarter.” “• The preliminary Common Equity Tier 1 (CET1) ratio ended second quarter 2026 at 9.93%, up from 9.81% in the first quarter.”
“• The preliminary Common Equity Tier 1 (CET1) ratio ended third quarter 2026 at 10.01%, up from 9.93% in the second quarter.”
Control recurring operating costs while executing the merger and continuing investment in revenue producers and technology.
Over the trailing year it converted 2.37x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
16 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 58% for the rest of the cohort, n=10134).
Not investment advice. As of 2026-11-05.
“Excluding merger-related expense and certain other items, adjusted non-interest expense was $690 million, up 4% on a linked-quarter basis, with increased employment expense primarily driven by a true…”
“Excluding merger-related expense and certain other items, adjusted non-interest expense was $662 million, down 2% on a linked-quarter basis, as realized merger synergies and lower personnel costs mor…”
“Expense management was disciplined and the majority of the merger-related expense synergies that are expected in 2026 were realized in the first quarter.”
“Pinnacle added 74 experienced revenue producers during the second quarter, compared to 50 in first quarter 2026 and a combined 65 in the prior-year period.”
“Pinnacle added 50 experienced revenue producers during the first quarter, compared to 41 for the combined legacy Pinnacle and Synovus in fourth quarter 2025 and 45 for the combined legacy Pinnacle an…”
“• The preliminary Common Equity Tier 1 (CET1) ratio ended second quarter 2026 at 9.93%, up from 9.81% in the first quarter.”
“The combination creates one of the highest-performing regional banks in the country, positioned for industry-leading revenue, earnings per share and tangible book value growth by marrying Pinnacle’s…”