Pinnacle Financial Partners (PNFP)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$101.01-0.36%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -16.3% |
| Our one-year growth estimate | diamond |
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: 169 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
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.
| 8.1% |
Growth built into the price is above our model estimate.
The price assumes 24.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
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: A rise in net charge-offs may show worse credit quality. This can hurt investor trust.
Worry ifNet charge-off ratio exceeds 0.25% in Q3 2026.
Less concerning ifNet charge-off ratio stays below 0.25% in Q3 2026.
Why it matters: Good integration shows the company is running well and helps future growth.
Watch forCompletion of the first major system integration milestone by the end of Q2 2026.
Also watch forDelays in integration goals past Q2 2026.
Why it matters: A lower efficiency ratio means better cost management. It also shows benefits from mergers.
Supportive ifThe efficiency ratio is below 59%. This shows good cost management after the merger.
Worry ifThe efficiency ratio is above 59%. This suggests cost management problems after the merger.
Why it matters: Strong hiring shows growth and good integration after the merger.
Supportive ifRevenue producer hiring was above 80 in Q2 2026.
Worry ifRevenue producer hiring was below 70 in Q2 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$89 on $10,000 · ±0.9% | 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.
Why it matters: A drop in revenue growth signals a potential slowdown. It could affect investor confidence.
Worry ifRevenue growth is below the median, showing slower growth.
Less concerning ifRevenue growth is stable or better, showing strength in finance.
Why it matters: Hiring more revenue producers helps growth and client service after the merger.
Supportive ifPinnacle adds more than 80 revenue producers in Q3.
Worry ifHiring slows to fewer than 70 revenue producers in Q3.
Why it matters: If the merger works well, it can help growth and efficiency.
Supportive ifCompletion of all 1,500 milestones in the merger integration plan by the end of Q3 2026.
Worry ifDelays in merger steps are longer than planned.
Why it matters: A drop in the CET1 ratio may show weaker capital strength after the merger.
Worry ifCET1 ratio is below 9.90%. This suggests issues with capital management.
Less concerning ifCET1 ratio is at or above 9.90%. This shows stable capital management.
Why it matters: A decline in net interest margin could signal issues with loan pricing or funding costs.
Worry ifNet interest margin reported below 3.50% for Q2 2026.
Less concerning ifNet interest margin reported above 3.50% for Q2 2026.
Why it matters: This number shows how well the merger is doing and the business's health.
Worry ifQ2 2026 adjusted revenue was below $1.230B.
Less concerning ifQ2 2026 adjusted revenue was above $1.245B.
Why it matters: A stable or better asset quality ratio shows strong credit performance. It also shows good risk management.
Supportive ifThe non-performing asset ratio is below 0.58%. This shows strong credit quality.
Worry ifThe non-performing asset ratio is above 0.58%. This may show credit quality issues.
Why it matters: Strong loan growth shows the merger is working. It helps the company make more money.
Supportive ifPeriod-end loans grow by more than $2.25 billion in Q3 2026.
Worry ifLoan growth is less than $2.25 billion in Q3 2026.
Why it matters: This revenue number shows how well the company is doing after the merger.
Supportive ifAdjusted non-interest revenue is $265 million or more in Q3 2026.
Worry ifAdjusted non-interest revenue is less than $265 million in Q3 2026.
Why it matters: A lower efficiency ratio shows the company is handling costs well.
Supportive ifEfficiency ratio drops below 50% in Q3 2026.
Worry ifEfficiency ratio stays above 50% in Q3 2026.