PNFP · Pinnacle Financial Partners, Inc.
$101.67
-2.86 (-2.74%)
At close · Aug 19
Market Cap
$15.90B
Shares
151.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$101.67
Open$104.61
Day$101.40–104.81
52W close$82.10–109.03
Avg vol 30d1.2M
Short int5.2M · 3.5% float · 3.4d
Short vol67%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 4, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
+0%
above
RSI (14)
43
neutral
MACD trend
Negative
52-week position
73%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+4%
trailing
6-month return
+6%
trailing
YTD return
+7%
this year
Relative strength
−6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $101 › 200d $96 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +144 funds added
Insider flow
Distributing
Net -$18.2M over 90 days · 50% sells
Short interest
Falling
3.47% of float · ▼ -11.9% MoM · 3.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
701 holders — near 1-yr high, broad support
Squeeze score
51
elevated · 0–100
Fundamentals
EPS growth
+35%
Y/Y
Free cash flow
$679.1M
Buyback
$400.0M
authorized
Balance sheet
$2.5B
net debt
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−20%
past year
ATR
2.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Deposit growth
· full-year
0.08% – 0.1%
Prior guidance
period ended
· from the Earnings Call filed Sep 30, 2025
End-of-period loan growth
· 2025
0.09% – 0.1%
End-of-period deposit growth
· 2025
0.08% – 0.1%
Net interest income growth
· 2025
0.13% – 0.14%
Net charge-offs
· 2025
0% – 0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
+0%
Bullish
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
73%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $101 › 200d $96 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +144 funds added
Insider flow
Distributing
Net -$18.2M over 90 days · 50% sells
Short interest
Falling
3.47% of float · ▼ -11.9% MoM · 3.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
701 holders — near 1-yr high, broad support
Price context
position in its 52-week range
Range low $82
Now $102 · 73%
Range high $109
vs 200-day avg +6%
vs 50-day avg +0%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted diluted earnings per share non-GAAP | $2.5 | 2Q26 | — |
| Adjusted EPS Accretion vs Pre-Announcement Consensus non-GAAP | 19% | YTD 2Q26 | — |
| Adjusted net income non-GAAP | $394M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Net income $328M
+$2M Valuation adjustment to Visa derivative
+$29M Investment securities losses (gains), net
+$51M Merger-related expense
-$16M Tax effect of adjustments
= Adjusted net income $394M
|
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| Adjusted net income annualized non-GAAP | $1.58B | 2Q26 | — |
| Adjusted net income available to common shareholders non-GAAP | 379M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Net income available to common shareholders $313M
+$2M Valuation adjustment to Visa derivative
+$29M Investment securities losses (gains), net
+$51M Merger-related expense
-$16M Tax effect of adjustments
= Adjusted net income available to common shareholders $379M
|
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| Adjusted non-interest expense non-GAAP | 662M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Total non-interest expense $721M
-$51M Merger-related expense
-$2M Valuation adjustment to Visa derivative
-$6M Fair value adjustment on non-qualified deferred compensation
= Adjusted non-interest expense $662M
|
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| Adjusted non-interest revenue non-GAAP | 270M | 2Q26 | — |
|
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GAAP → non-GAAP reconciliationGAAP Total non-interest revenue $247M
+$29M Investment securities (gains) losses, net
-$6M Fair value adjustment on non-qualified deferred compensation
= Adjusted non-interest revenue $270M
|
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| Adjusted PPNR non-GAAP | $576M | 2Q26 | — |
| Adjusted return on average tangible common equity (annualized) non-GAAP | 17.7% | 2Q26 | — |
|
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| Adjusted return on avg assets non-GAAP | 1.27% | 2Q26 | — |
|
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| Adjusted return on avg common equity non-GAAP | 10.9% | 2Q26 | — |
|
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| Adjusted return on avg tangible common equity non-GAAP | 17.7% | 2Q26 | — |
| Adjusted revenue (TE) non-GAAP | $1.24B | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Total revenue $1.2B
+$12M Tax equivalent adjustment
+$29M Investment securities losses (gains), net
-$6M Fair value adjustment on non-qualified deferred compensation
= Adjusted revenue (TE) $1.24B
|
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| Adjusted tangible efficiency ratio non-GAAP | 49.8% | 2Q26 | — |
|
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| Adjusted tangible non-interest expense non-GAAP | $616M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Adjusted non-interest expense $662M
-$46M Amortization of intangibles
= Adjusted tangible non-interest expense $616M
|
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| ALL/Loans | 1.09% | 2Q26 | — |
| ALL/NPLs | 230.52% | 2Q26 | — |
| Allowance coverage of non-performing loans | 248.18% | 2Q26 | — |
|
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| Allowance for Credit Losses | 1.19% | 1Q26 | — |
| Allowance for Credit Losses (ACL) | $1.03B | 2Q26 | — |
| Allowance for credit losses ratio (to loans) | 1.17% | 2Q26 | — |
|
|
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| Allowance for Loan Losses (ALL) | $956M | 2Q26 | — |
| Annualized Loan Growth (QoQ) | 14% | 2Q26 | — |
| Annualized Loan Growth YTD vs Combined | 12% | YTD 2Q26 | — |
| BHG Loan Originations | $2.4B | 2Q26 | — |
| BHG Loan Originations YTD | $3.8B | YTD 2Q26 | — |
| Book value per common share | $92.96 | June 30, 2026 | — |
| C&I NPL Ratio | 0.4% | 2Q26 | — |
| C&I Portfolio | $51.1B | 2Q26 | — |
| C&I QTD Net Charge-off Ratio (annualized) | 0.29% | 2Q26 | — |
| CET1 ratio | 9.93% | 2Q26 | — |
|
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| Common Equity Tier 1 (CET1) ratio | 9.93% | 2Q26 | — |
|
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| Common Equity Tier 1 Capital Ratio | 9.93% | June 30, 2026 | — |
| Consumer NPL Ratio | 0.63% | 2Q26 | — |
| Consumer Portfolio | $13.4B | 2Q26 | — |
| Consumer QTD Net Charge-off Ratio (annualized) | 0.35% | 2Q26 | — |
| CRE NPL Ratio | 0.52% | 2Q26 | — |
| CRE Portfolio | $23.6B | 2Q26 | — |
| CRE QTD Net Charge-off Ratio (annualized) | 0.01% | 2Q26 | — |
| Efficiency ratio-TE | 59.4% | 2Q26 | — |
|
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| experienced revenue producers | 74 | 2Q26 | — |
| Fixed-Rate Loan Portfolio Mix | 68% | 2Q26 | — |
| Headcount (FTE) | 8,490 | 2Q26 | — |
| Investment securities losses (gains), net non-GAAP | $29M | 2Q26 | — |
| NCO ratio-QTD | 0.22% | 2Q26 | — |
|
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| Net Business Momentum vs peer median | 14% | 2Q26 | — |
| Net Charge-Offs - Quarter | $48M | 2Q26 | — |
| Net Charge-Offs - YTD | $97M | 2Q26 | — |
| Net Charge-Offs / Average Loans - YTD | 0.23% | 2Q26 | — |
| Net interest margin | 3.44% | 2Q26 | — |
|
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| Net interest margin, taxable equivalent | 3.48% | 2Q26 | — |
| New Producers Added Since Close | 124 | 6 months post-close | — |
| Non-performing asset ratio | 0.5% | 2Q26 | — |
|
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| Non-performing Assets (NPAs) | $444M | 2Q26 | — |
| Non-performing Loans (NPLs) | $415M | 2Q26 | — |
| NPLs / Loans | 0.47% | 2Q26 | — |
|
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| Period-end deposits | 100.9B | 2Q26 | — |
| Period-end loans | 88.1B | 2Q26 | — |
| Pre-provision net revenue (PPNR) | $482M | 2Q26 | — |
| Return on avg assets | 1.06% | 2Q26 | — |
| Return on avg common equity | 9.01% | 2Q26 | — |
| Return on avg tangible common equity | 14.89% | 2Q26 | — |
|
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| Revenue Producer Retention | 94% | 6 months post-close | — |
| Securities Portfolio Book Value | $20.9B | 2Q26 | — |
| Securities Portfolio Book Yield TEY | 4.2% | 2Q26 | — |
| Securities Portfolio Gross Duration | 3.9 | 2Q26 | — |
| Securities Portfolio Net Duration | 3.1 | 2Q26 | — |
| Tangible book value per common share non-GAAP | $63.02 | June 30, 2026 | — |
| Tangible common equity ratio non-GAAP | 7.65% | June 30, 2026 | — |
| Tier 1 Capital Ratio | 10.71% | June 30, 2026 | — |
| Tier 1 Leverage Ratio | 8.95% | June 30, 2026 | — |
| Total Deposits Average Rate | 2.14% | 2Q26 | — |
| Total Equity as a Percentage of Total Assets | 11.49% | June 30, 2026 | — |
| Total Interest-Bearing Deposits Average Rate | 2.69% | 2Q26 | — |
| Total Notable Liquidity Sources | $32.5B | 2Q26 | — |
| Total Notable Liquidity Sources Including Incremental Discount Window Capacity | $39.1B | 2Q26 | — |
| Total Past Due Loans and Still Accruing | $127M | 2Q26 | — |
| Total Risk Based Capital Ratio | 12.35% | 2Q26 | — |
| Variable-Rate Loan Portfolio Mix | 32% | 2Q26 | — |
| Efficiency ratio | 77.4% | 1Q26 | — |
| Merger-related expense | $275.4M | 1Q26 | — |
| Net charge-off ratio | 0.23% | 1Q26 | — |
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| Non-interest expense excluding merger-related expense non-GAAP | $677.4M | 1Q26 | — |
| Revenue producers hired | 50 | 1Q26 | — |
| Total past due loans | 0.14% | 1Q26 | — |
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| Adjusted efficiency ratio-TE non-GAAP | 51.29% | fourth quarter 2025 | — |
| Adjusted return on average assets non-GAAP | 1.39% | fourth quarter 2025 | — |
| Adjusted return on average common equity non-GAAP | 14.94% | fourth quarter 2025 | — |
| Adjusted return on average tangible common equity non-GAAP | 16.66% | fourth quarter 2025 | — |
| Common Equity Tier 1 ratio | 11.28% | fourth quarter 2025 | — |
| Non-performing loan ratio | 0.57% | fourth quarter 2025 | — |
| Pre-provision net revenue | $280.1M | fourth quarter 2025 | — |
| Return on average assets | 1.18% | fourth quarter 2025 | — |
| Return on average common equity | 12.62% | fourth quarter 2025 | — |
| Return on average tangible common equity | 14.09% | fourth quarter 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PNFP
this stock
Pinnacle Financial Partners, Inc.
|
$15.90B | +6.6% | — | — | 3.5% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PNFP | -4.8% | +4.4% | +5.8% | -3.4% | +6.6% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -4.4% | +1.5% | -5.8% | -6.3% | -6.2% |
Capital returns
Latest dividend
$0.50
/ share · ex Aug 7, 2026
Paid (TTM)
$1.74
/ share · 4 payouts
Dividend yield (TTM, derived)
1.71%
Buyback program
· as of Jan 1, 2026
Authorized
$400.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.