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
QuarterlyIQ Insights · PNFP
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -10.9% |
| Our one-year growth estimate | diamond | -4.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 211 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 6.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
PNFP — officer change
Dated 2026-07-30
Chief Banking Officer and Vice Chair of the Board — Robert A. McCabe, Jr.: The term of Mr. McCabe's service as Chief Banking Officer and Vice Chair of the Board was extended, along with details for his post-service consultancy.
Why it matters: Q3 charge-offs were 0.23%, while the bank raised its loan-loss reserve after a worse economic outlook. Higher losses would test credit quality.
Worry ifA later quarterly net charge-off rate is above Q3's 0.23%.
Less concerning ifA later quarter's net charge-off rate is 0.23% or less. The non-performing asset ratio stays at 0.50% or less.
Why it matters: Loans grew 2% in Q3, led by business lending. A sharp slowdown would weaken a key growth driver.
Worry ifPeriod-end loans rise less than 1% from the Q3 level of $89.8 billion in the next quarter.
Less concerning ifPeriod-end loans rise at least 2% from $89.8 billion in the next quarter.
Why it matters: The margin fell as deposit costs rose and the bank added wholesale funding. A further drop would weigh on loan income.
Worry ifThe next reported net interest margin is below Q3's 3.40%.
Less concerning ifThe next reported net interest margin is at least 3.40%.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $277 loss on $10,000 · 2.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,971 loss on $10,000 · 19.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.