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Pinnacle Financial Partners PNFP

Pinnacle Financial Partners scores weak on business quality (4.2 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$93.99Oct 9, 2026
Business qualityWeak
Next earningsOct 21, 2026
Insiders, 90 daysBuying

Why it matters

  1. What Pinnacle Financial Partners does

    Pinnacle Financial Partners provides commercial and retail banking services, making money primarily through interest on loans and deposits across the Southeastern United States. The bank is expanding its regional footprint through targeted relationship-manager hiring to drive loan growth.

  2. What it does best

    Pinnacle excels at revenue expansion, posting 18.3% revenue growth that outpaces peers like CFG at 5.6%. This reflects its ability to poach top local banking talent and capture market share in high-growth Southeastern metro areas.

  3. The main risk

    Valuation sits at a steep premium to intrinsic value, leaving no margin for safety if loan losses tick up or credit costs widen across its commercial portfolio.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin sits at 22.3% with an ROE of 7.6%, lagging peers like EWBC's 16.2% ROE and showing limited efficiency gains as revenue scales.

MoatWeak

The bank lacks a durable economic moat, reflected by an ROE in the bottom quartile of its sector at 13th percentile rank, exposing it to intense regional deposit competition.

GrowthFast

Revenue growth hits 18.3%, ranking in the top quartile of its sector at the 81st percentile and accelerating well past its historical pace.

Financial healthWeak

Debt-to-equity is manageable at 0.1, backed by $1.4B in free cash flow, but a low 7.6% ROE shows soft capital returns.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

3 insiders bought $1.3M on the open market.

Our sealed record on PNFP

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is PNFP a good business?

Pinnacle Financial Partners scores weak on the Cluenex quality check (4.2 of 10), measured against its own industry. Profitability is weak, moat weak, growth fast and financial health weak.

Are insiders buying PNFP?

In the last 90 days of SEC Form 4 filings: 3 insiders bought $1.3M on the open market.

When does PNFP report earnings?

Oct 21, 2026.

For members

See PNFP today

  • Today's verdict on PNFP, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Pinnacle Financial Partners (PNFP)”, https://cluenex.com/stocks/pnfp/, data as of Oct 10, 2026.