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Stock Ratings / Financials / PNFP
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Pinnacle Financial Partners Inc. (PNFP) — RQD Stock Rating Cockpit

$104.32 +2.62% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $104.61

Pinnacle Financial Partners Inc. (PNFP) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $15.36B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PNFP Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PNFP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Pinnacle Financial Partners Inc. (NYSE: PNFP) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $104.32 (+2.62% 1D, market cap $15.36B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, PNFP ranks #381 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PNFP compare to EWBC and ALLY in the Financials sector?
▼

Within the Financials sector (Major Banks), PNFP carries a Roarable C- (60/100 RQD), trailing P/E of 19.4x, gross margin of —, and ROIC of 3.6%. By comparison, EWBC (East West Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.7x, ROIC 3.7%, cap $17.92B) and ALLY (Ally Financial Inc.) posts a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PNFP?
▼

Per PNFP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002082866), Pinnacle Financial Partners Inc. generated $2.62B in revenue (+64.2% YoY), $792.0M in net income, and $642.9M in free cash flow against $57.71B in total assets and $22.80B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $104.61 (+0.28%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 24.6% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk D+
Cash (8)Whales (15)SEC (13)Macro (10)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$124 Bull$105 Base$82 Bear
📬 FREE PNFP RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PNFP)Realized 20D OHLCV Swing Band: ±4.6%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY PNFP SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±4.6% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$92.85+5.8% Next Q
Q2 (-2Q)
55
Grade C$98.21+1.3% Next Q
Q3 (-1Q)
57
Grade C$99.48+4.9% Next Q
Current
60
Grade C-$104.32+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PNFP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, PNFP faces multiple-compression risk if 19.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($97.50) or 200D SMA ($96.75) invalidates the momentum regime and cuts Target Base ($105.26) toward Bear Floor ($82.10).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PNFP• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PNFP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
65.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE79% OF RANGE
L: $81$104.32H: $110
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 8 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 29 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: D+RQD 23 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on PNFP

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (40)

3.6% ROIC with 42.0% gross margin and 4.18% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (65)

29/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like PNFP
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PNFP Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
PNFP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.70%📐 HORIZONTAL RANGE
2026-11-03O $101.7H $104.3L $101.7C $104.3VOL 1.35M
RES: $118.0SUP: $91.56SMA50: $97.50SMA200: $96.75
$111.7$106.0$100.3$94.59$88.88RES $118.0SUP $91.56$104.32026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PNFP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PNFP Butterfly Map → + Track PNFP →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
12.8%/yr Implied 5Y Growth

vs. +64.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PNFP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PNFP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PNFP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PNFP)

Financials Rank #381 of 1097 ⚔️ EWBC vs PNFP Full Matrix →

1. Head-to-Head Financials Peer Comparison (PNFP vs. EWBC, ALLY, FHN, KEY)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Pinnacle Financial Partners Inc. (PNFP) ranks #381 by composite RQD confidence (60/100, grade C-) and #136 by equity capitalization ($15.36B). Within this direct 5-issuer industry benchmark cohort, FHN leads on earnings valuation at 11.4x trailing P/E, while ALLY leads on capital efficiency and profitability with 4.1% ROIC and — gross margin. EWBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PNFP at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PNFP ACTIVE
Pinnacle Financial Partners Inc.
C- 60/100 19.4x — 3.6% +2.62% $15.36B Benchmark Subject
EWBC
East West Bancorp Inc.
C+ 69/100 13.7x — 3.7% +2.42% $17.92B /ewbc-vs-pnfp →
ALLY
Ally Financial Inc.
D+ 58/100 14.2x — 4.1% +1.15% $11.61B /ally-vs-pnfp →
FHN
First Horizon Corporation
D+ 58/100 11.4x — 3.1% +1.59% $11.02B /fhn-vs-pnfp →
KEY
KeyCorp
C 64/100 12.5x — 2.6% +1.75% $22.54B /key-vs-pnfp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002082866 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pinnacle Financial Partners Inc. (PNFP) reported GAAP revenue of $2.62B (+64.2% vs. FY2024 revenue of $1.59B , and +45.7% cumulative change since FY2023) , GAAP net income of $792.0M, operating cash flow of $676.1M, and free cash flow of $642.9M (-15.9% YoY). On the balance sheet, PNFP closed FY2025 with $57.71B in total assets against $22.80B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.62B $792.0M $676.1M $642.9M $57.71B $22.80B
FY2024 (FY) 2024-12-31 $1.59B $482.5M $821.0M $764.9M $60.23B $24.74B
FY2023 (FY) 2023-12-31 $1.80B $543.7M $1.28B $1.28B $8.45B $1.98B

3. PNFP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PNFP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Pinnacle Financial Partners Inc. (NYSE: PNFP) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $104.32 (+2.62% 1D, market cap $15.36B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, PNFP ranks #381 in composite RQD confidence.

How does PNFP compare to EWBC and ALLY in the Financials sector?

Within the Financials sector (Major Banks), PNFP carries a Roarable C- (60/100 RQD), trailing P/E of 19.4x, gross margin of —, and ROIC of 3.6%. By comparison, EWBC (East West Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.7x, ROIC 3.7%, cap $17.92B) and ALLY (Ally Financial Inc.) posts a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PNFP?

Per PNFP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002082866), Pinnacle Financial Partners Inc. generated $2.62B in revenue (+64.2% YoY), $792.0M in net income, and $642.9M in free cash flow against $57.71B in total assets and $22.80B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PNFP trading relative to its 50-day, 200-day, and 52-week technical levels?

PNFP last traded at $104.32 (+2.62% on volume of 1,136,248 shares), positioning the stock +6.99% above its 50-day simple moving average ($97.50) and +7.82% above its 200-day simple moving average ($96.75). Across its 52-week range of $81.08 to $110.33, PNFP sits at the 79.5% percentile with a 14-day RSI of 65.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($99.52 to $109.12).

Direct Sub-Reports: PNFP RQD Cockpit PNFP 12M Forecast PNFP Earnings & Move PNFP Dividends & DRIP PNFP Insiders & 13F PNFP Whale Options PNFP Profit Sankey PNFP News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

PNFP — Pinnacle Financial Partners Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Pinnacle Financial Partners Inc. (PNFP) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $104.32 (+2.62% 1D, market capitalization $15.36B).

  • Fundamental Cash Engine (8/20): Anchored by return on invested capital (ROIC) of 3.6%, gross margin of —, operating margin of 22.5%, and free cash flow yield of 4.18%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 0.92x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Per the Roarable profile, Pinnacle Financial Partners Inc. Is a NYSE-listed issuer in the Financials sector, operating within the Major Banks industry, with a market capitalization of $15.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Pinnacle Financial Partners Inc. (PNFP) reported $2.62B in annual revenue (up from $1.59B in FY2024, +64.2% YoY) and $792.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.80B revenue, $543.7M net income) through FY2025, PNFP scaled operating cash flow to $676.1M and free cash flow to $642.9M, backed by $57.71B in total assets against $22.80B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 8/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $81.08 – $110.33 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 19.4x trailing P/E and 29.9x EV/EBITDA against 22.5% operating margins and a 0.92x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), PNFP carries a macro regime beta of 0.92 and gross margin of —.

  • Key Question #1: Can PNFP sustain or expand its 22.5% operating margin and 3.6% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.62B and free cash flow of $642.9M, how will capital allocation balance growth reinvestment against $22.80B in total debt?
  • Key Question #3: How sensitive is PNFP's 18.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.92x)?

PNFP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Pinnacle Financial Partners Inc. (PNFP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PNFP Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PNFP Bull vs. Bear Conversation Board — What's Your Call at $104.32?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PNFP 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PNFP:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $120.98 (+19.0%)
📌 Pinned Debate

Balance-sheet and institutional signals are reasonable (Piotroski F 6/9, Debt/Equity 0.5, Whale 13F Flow 15/20), with net income rising

Don't sleep on PNFP's setup in Financials. Balance-sheet and institutional signals are reasonable (Piotroski F 6/9, Debt/Equity 0.5, Whale 13F Flow 15/20), with net income rising to $792.0M in FY 2025.. Beta of 0.92 means it moves fast when momentum turns, and the 5-pillar RQD gauge (60/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 15/20 institutional whale-flow stock at $101.66 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $80.31 (-21.0%)
Spot @ $101.66

Returns on capital are weak at ROIC 3.6% against a P/E (TTM) of 19.4 and EV/EBITDA of 29.9, and free cash flow fell from $1.28B in FY

Sitting on the sidelines or leaning short PNFP above $101.66. Returns on capital are weak at ROIC 3.6% against a P/E (TTM) of 19.4 and EV/EBITDA of 29.9, and free cash flow fell from $1.28B in FY 2023 to $642.9M in FY 2025.. Until Fundamental Cash Engine (8/20) and FCF yield (4.18%) inflect higher, upside is capped near $110.33.

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