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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.6% realized swing band)
SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)
Capital intensity & 0% operating margin leave 12 pts on the table
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.
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.
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).
Pinnacle Financial Partners Inc. (PNFP) surged +2.62% to $104.32, trading at 79% of its 52-week range ($81.08 – $110.33). Solid steady margins (4% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Pinnacle Financial Partners report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Client defections are slowing even as the bank integrates two platforms, a sign the merger isn't disrupting the core deposit franchise.
Fed officials just reminded investors that 2% inflation really means 2% flat, and that keeps rate pressure alive even with no move today. Elevated short-term yields can reshape where money flows, reward some business mod
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +64.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on PNFP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for PNFP. Explore sector supply chains on /butterfly.
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 → |
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 |
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.
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).
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.
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).
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).
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.
Operating in Major Banks (Financials), PNFP carries a macro regime beta of 0.92 and gross margin of —.
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
Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Pinnacle Financial Partners report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.
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.
@SkepticalCFA Shorting a 15/20 institutional whale-flow stock at $101.66 is dangerous when funds are rotating into Financials.
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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