Pinnacle Financial Partners (PNFP)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-09
$99.13-1.57%
Close 2026-09-09 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-09
Warn: Primary pillar under pressure — EPS reaches at least $11.63 in fiscal 2027: FY26 EPS $2.24 vs FY27 target $11.63.
Pinnacle finished merging with Synovus, creating a bigger regional bank. Earnings per share should reach about $11.63 in 2027. The bank issued $750 million in notes to support growth. Hiring more revenue producers will help grow sales.
If earnings per share fall below $10, the bank may struggle. Problems with the merger could slow growth. Rising debt costs from the new notes could hurt profits.
The stock price is about 11% below our fair value near $113. Analysts expect revenue growth of about 58%. Our fair value is close to the Street median price target.
Breaks if: Capital raised fails to support growth
Breaks if: EPS falls below $10 in FY27
Breaks if: Merger fails or integration stalls
This is not a price target or investment advice.
A long-form read on the 1–3 year hold thesis. It updates when the weekly evidence changes.
This investment represents a durable compounder with a focus on growth post-merger. The current thesis state is stable, supported by recent strong financial performance, although management execution has shown volatility.
Valuation is currently neutral, with the market pricing in a slight gap in expectations. PNFP appears cheap compared to its peers, suggesting that the market may not fully reflect its potential growth.
Fundamentals are likely to remain strong, driven by management's focus on completing the integration of the Synovus merger and expanding revenue producer hiring. However, there is a low probability of missing earnings expectations, despite a history of recent misses.
The thesis hinges on the performance of sector bellwethers like HDB, IBN, and PNC, which could influence PNFP's trajectory. Positive guidance from these companies could support PNFP's growth, while negative guidance could create headwinds.
The most important moves since the prior daily snapshot.
Yes, our read has strengthened. The latest earnings beat supports the positive outlook. Complete integration and growth post-Synovus merger further reinforces this view. There are no new threats identified that could weaken the thesis.
as of 2026-09-09
Review the evidence to watch, what would become a concern, and what would make it less concerning.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Finalize the merger with Synovus to create a leading regional bank.
Breaks if: Hiring slows or fails to increase revenue
Overall, PNFP's outlook for the next 1 to 3 years is supported by strong fundamentals and sector dynamics. Not investment advice.