PNFP · Pinnacle Financial Partners, Inc.
$107.35
-1.68 (-1.54%)
At close · Aug 5
Market Cap
$16.25B
Shares
151.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$107.35
Open$109.74
Day$107.25–109.99
52W$80.67–110.33
Avg vol 30d1.3M
Short int5.9M · 3.9% float · 5.9d
Short vol54%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 4
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 11 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
Strong Buy
Momentum
Very Strong
Sentiment
Very Bullish
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.8 · calm
Equity put/call 0.46
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+13%
above
Price vs 50-day avg
+8%
above
RSI (14)
64
neutral
MACD trend
Positive
52-week position
90%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+10%
trailing
6-month return
+10%
trailing
YTD return
+14%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $99 › 200d $95 — 50d above 200d
Institutional flow
Accumulating
321 of 637 funds reported for Jun 30 · net +641.6K sh shares · +69 new
Insider flow
Accumulating
Net +$1.0M over 90 days · 0% sells
Short interest
Falling
3.93% of float · ▼ -2.9% MoM · 5.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
637 holders — near 1-yr high, broad support
Squeeze score
60
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
2.6%
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
Initiated
0.08% – 0.1%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+13%
Bullish
Price vs 50-day avg
+8%
Bullish
RSI (14)
64
Neutral
MACD trend
Positive
Bullish
52-week position
90%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 4 of 6
Trend (MA cross)
No cross
50d $99 › 200d $95 — 50d above 200d
Institutional flow
Accumulating
321 of 637 funds reported for Jun 30 · net +641.6K sh shares · +69 new
Insider flow
Accumulating
Net +$1.0M over 90 days · 0% sells
Short interest
Falling
3.93% of float · ▼ -2.9% MoM · 5.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
637 holders — near 1-yr high, broad support
Price context
position in its 52-week range
52-wk low $81
Now $107 · 90%
52-wk high $110
vs 200-day avg +13%
vs 50-day avg +8%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted non-interest expense non-GAAP | $662M | second quarter 2026 | — |
GAAP → non-GAAP reconciliationGAAP Total non-interest expense $952M
-$275M Merger-related expense
-$1M Valuation adjustment to Visa derivative
+$1M Fair value adjustment on non-qualified deferred compensation
= Adjusted non-interest expense $677M
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| Adjusted non-interest revenue non-GAAP | $270M | second quarter 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Total non-interest revenue $284M
-$3M Investment securities (gains) losses, net
+$1M Fair value adjustment on non-qualified deferred compensation
= Adjusted non-interest revenue $282M
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| Adjusted tangible efficiency ratio non-GAAP | 49.8% | second quarter 2026 | — |
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| Allowance coverage of non-performing loans | 248.18% | second quarter 2026 | — |
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| Allowance for credit losses ratio (to loans) | 1.17% | second quarter 2026 | — |
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| Common Equity Tier 1 (CET1) ratio | 9.93% | second quarter 2026 | — |
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| Efficiency ratio-TE | 59.4% | second quarter 2026 | — |
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| experienced revenue producers | 74 | second quarter 2026 | — |
| Net charge-off ratio | 0.22% | second quarter 2026 | — |
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| Net interest margin | 3.44% | second quarter 2026 | — |
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| Period-end deposits | 100.9B | second quarter 2026 | — |
| Period-end loans | 88.1B | second quarter 2026 | — |
| Efficiency ratio | 77.4% | 1Q26 | — |
| Merger-related expense | $275.4M | 1Q26 | — |
| Non-interest expense excluding merger-related expense non-GAAP | $677.4M | 1Q26 | — |
| Non-performing asset ratio | 0.58% | 1Q26 | — |
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| 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% | 2025 | — |
| NCO ratio-QTD | 0.22% | 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 · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$16.25B | +13.7% | — | — | 3.9% |
|
MFG
Mizuho Financial Group Inc
|
$130.35B | +46.2% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.47B | -34.7% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.20B | +2.9% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.08B | +25.2% | +7.2% | 14.6 | 1.7% |
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 | +2.5% | +9.8% | +10.3% | +2.0% | +13.7% |
| SPY | +5.5% | +3.3% | +11.3% | +3.1% | +12.9% |
| vs SPY | -3.0% | +6.5% | -0.9% | -1.0% | +0.8% |
Capital returns
Latest dividend
$0.50
/ share · ex May 1, 2026
Paid (TTM)
$1.24
/ share · 3 payouts
Dividend yield (TTM, derived)
1.16%
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.