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Pinnacle Financial Partners, Inc. (PNFP)

Financial Services | Banks - Regional | Atlanta, United States | NYSE
100.67 USD +0.53 (0.529%) ⇧ (July 14, 2026, 10:14 a.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 4 a.m. EDT

Pinnacle Financial Partners presents a compelling long-term value proposition trading near book value with a price-to-book ratio of 1.09. The nine-year price trajectory shows a robust 135% cumulative gain, driven by a 156% surge in revenue growth, though earnings growth remains suppressed at -49.7%, creating a divergence worth monitoring. While the dividend yield of 1.47% is modest and likely below inflation, the payout ratio of 17% ensures exceptional safety and sustainability. On the short end, the stock trades above its 50-day and 200-day moving averages, supported by analyst targets averaging $118, yet options data reveals a hedged stance with elevated implied volatility for near-term downside protection. The statistical forecast offers only a weak lean upward, reinforcing the need to rely on fundamentals rather than price noise. Overall, this is a solid long-term buy for investors seeking exposure to a regional bank with strong top-line growth and a fortress balance sheet, despite the muted earnings performance and low yield.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.023805
MSTL_1260.029944
AutoTheta0.035072
AutoARIMA0.037265
AutoETS0.037364
MSTL_74_1260.041759
MSTL_740.049371

Forecast horizon: 60 days | Selected: MSTL

Forecast Reliability
Score 43%
H-stat 1.75
Ljung-Box p 0.000
Jarque-Bera p 0.376
Excess Kurtosis -0.88
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-04-30
Last Dividend Date 2026-04-30
Revenue per Share 27.702
Market Cap 15,211,922,432
Trailing P/E 14.04
Forward P/E 8.63
Beta 1.04
Profit Margins 24.66%
Website https://www.pnfp.com

As of July 11, 2026, 4 a.m. EDT: Speculators are positioning for a range-bound outcome between $80 and $110. Call open interest is concentrated at current prices ($100-$110), indicating a bullish bias, while put open interest sits lower ($80-$95) acting as downside protection. Implied volatility is elevated for near-term expirations, suggesting uncertainty in the immediate term.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.51% 1.55% 1.20% 1.16%
Dividend History
Date Dividend Yield %
2026-05-01 0.50 0.506894
2026-02-06 0.50 0.488950
2025-11-07 0.24 0.277104
2025-08-01 0.24 0.278649
2025-05-02 0.24 0.227079
2025-02-07 0.24 0.193924
2024-11-01 0.22 0.210245
2024-08-02 0.22 0.249264
2024-05-02 0.22 0.272109
2024-02-01 0.22 0.266408
2023-11-02 0.22 0.331675
2023-08-03 0.22 0.296856
2023-05-04 0.22 0.476500
2023-02-02 0.22 0.268260
2022-11-03 0.22 0.272446
2022-08-04 0.22 0.278305
2022-05-05 0.22 0.278199
2022-02-03 0.22 0.227414
2021-11-04 0.18 0.182556
2021-08-05 0.18 0.195037
2021-05-06 0.18 0.202634
2021-02-04 0.18 0.244466
2020-11-05 0.16 0.353279
2020-08-06 0.16 0.395257
2020-04-30 0.16 0.397516
2020-02-06 0.16 0.262467
2019-10-31 0.16 0.272016
2019-08-01 0.16 0.277923
2019-05-02 0.16 0.274631
2019-01-31 0.16 0.297564
2018-11-01 0.16 0.303721
2018-08-02 0.14 0.219608
2018-05-03 0.14 0.221870
2018-02-01 0.14 0.218750
2017-11-02 0.14 0.212121
2017-08-02 0.14 0.217899
2017-05-03 0.14 0.218579
2017-02-01 0.14 0.212121
2016-11-02 0.14 0.281690
2016-08-03 0.14 0.268662
2016-05-04 0.14 0.296925
2016-02-03 0.14 0.293809
2015-11-04 0.12 0.223256
2015-08-05 0.12 0.228354
2015-04-29 0.12 0.246914
2015-02-04 0.12 0.319744
2014-11-05 0.08 0.206026
2014-08-06 0.08 0.223028
2014-05-07 0.08 0.234398
2014-02-05 0.08 0.247985
2013-11-22 0.08 0.246533
Additional Data
dividendRate 1.48
dividendYield 1.48
exDividendDate 2026-05-01
trailingAnnualDividendRate 1.22
trailingAnnualDividendYield 0.012182944
lastDividendValue 0.5
lastDividendDate 2026-05-01
dividendDate 2026-05-29

Info Dump

Attribute Value
52 Week Change -0.12830782
Address1 3,400 Overton Park Drive
All Time High 131.91
All Time Low 2.0
Ask 100.94
Ask Size 100
Audit Risk 1
Average Analyst Rating 1.7 - Buy
Average Daily Volume10 Day 1,043,310
Average Daily Volume3 Month 1,290,488
Average Volume 1,290,488
Average Volume10Days 1,043,310
Beta 1.035
Bid 100.48
Bid Size 300
Board Risk 4
Book Value 91.906
City Atlanta
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 100.67
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 101.175
Day Low 99.06
Display Name Pinnacle Financial Partners
Dividend Date 1,780,012,800
Dividend Rate 1.48
Dividend Yield 1.48
Earnings Call Timestamp End 1,784,836,800
Earnings Call Timestamp Start 1,784,836,800
Earnings Growth -0.497
Earnings Quarterly Growth 0.071
Earnings Timestamp 1,784,750,400
Earnings Timestamp End 1,784,750,400
Earnings Timestamp Start 1,784,750,400
Ebitda Margins 0.0
Enterprise To Revenue 6.021
Enterprise Value 15,916,143,616
Eps Current Year 10.22791
Eps Forward 11.66061
Eps Trailing Twelve Months 7.17
Esg Populated 0
Ex Dividend Date 1,777,593,600
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 97.3834
Fifty Day Average Change 3.2865982
Fifty Day Average Change Percent 0.03374906
Fifty Two Week Change Percent -12.830782
Fifty Two Week High 119.85
Fifty Two Week High Change -19.18
Fifty Two Week High Change Percent -0.16003338
Fifty Two Week Low 81.08
Fifty Two Week Low Change 19.589996
Fifty Two Week Low Change Percent 0.24161316
Fifty Two Week Range 81.08 - 119.85
Financial Currency USD
First Trade Date Milliseconds 966,951,000,000
Five Year Avg Dividend Yield 1.05
Float Shares 148,385,506
Forward Eps 11.66061
Forward P E 8.633339
Full Exchange Name NYSE
Full Time Employees 8,389
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 2,643,606,016
Has Pre Post Market Data 1
Held Percent Insiders 0.01375
Held Percent Institutions 0.85971
Implied Shares Outstanding 151,106,812
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,777,593,600
Last Dividend Value 0.5
Last Fiscal Year End 1,767,139,200
Last Split Date 1,084,233,600
Last Split Factor 2:1
Long Business Summary Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.
Long Name Pinnacle Financial Partners, Inc.
Market us_market
Market Cap 15,211,922,432
Market State REGULAR
Max Age 86,400
Message Board Id finmb_527694
Most Recent Quarter 1,774,915,200
Net Income To Common 625,673,024
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 15,131,836,153
Number Of Analyst Opinions 20
Open 99.87
Operating Cashflow 1,707,008,000
Operating Margins 0.46889
Overall Risk 2
Payout Ratio 0.1697
Peg Ratio 1.41
Phone 706 641 6500
Previous Close 100.14
Price Eps Current Year 9.842675
Price Hint 2
Price To Book 1.0953583
Price To Sales Trailing12 Months 5.754232
Profit Margins 0.24658
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.7
Region US
Regular Market Change 0.5299988
Regular Market Change Percent 0.52925783
Regular Market Day High 101.175
Regular Market Day Low 99.06
Regular Market Day Range 99.06 - 101.175
Regular Market Open 99.87
Regular Market Previous Close 100.14
Regular Market Price 100.67
Regular Market Time 1,784,038,488
Regular Market Volume 76,118
Return On Assets 0.00736
Return On Equity 0.061680004
Revenue Growth 1.564
Revenue Per Share 27.702
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 151,106,812
Shares Percent Shares Out 0.0405
Shares Short 6,116,106
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 4,637,279
Short Name Pinnacle Financial Partners, In
Short Percent Of Float 0.0456
Short Ratio 4.15
Source Interval 15
State GA
Symbol PNFP
Target High Price 132.0
Target Low Price 100.0
Target Mean Price 118.1
Target Median Price 120.0
Total Cash 6,120,999,936
Total Cash Per Share 40.698
Total Debt 6,194,999,808
Total Revenue 2,643,606,016
Tradeable 0
Trailing Annual Dividend Rate 1.22
Trailing Annual Dividend Yield 0.012182944
Trailing Eps 7.17
Trailing P E 14.040446
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 93.89655
Two Hundred Day Average Change 6.773445
Two Hundred Day Average Change Percent 0.07213731
Type Disp Equity
Volume 76,118
Website https://www.pnfp.com
Zip 30,339