Pinnacle Financial Partners Inc. Common stock (PNFP)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at a regional bank, so I start with book value, returns, and credit risk. Pinnacle is a relationship bank, but banking is a commodity business; without evidence of superior underwriting or low-cost deposits, I assume no wide moat. The filed numbers show why consistency matters. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $328.0M and diluted EPS $2.07, versus net income $159.0M and diluted EPS $2.00 in fiscal Q2 2025. The profit jump is striking, but EPS barely moved, which suggests share issuance or dilution. For FY2025, net income was $641.9M and diluted EPS $8.07, up from FY2024’s $475.1M and $5.96, but FY2023 was $562.2M and $7.14, so the multi-year path is uneven. FairStock’s Lynch category is SLOW GROWER — slow growth: profit 6.9% a year over 2 years. At the 2026-10-13 close of $93.53, FairStock calculates P/E 12.88, P/B 1.00, ROE 7.65%, PEG 0.12, and Piotroski F-Score 4/9. A 7.65% ROE is modest for a bank; a 1.00 P/B is fair, not a bargain. The 2.14% dividend yield is pleasant but not decisive. The big missing pieces are CET1, net interest margin, loan-loss reserves, nonperforming assets, and efficiency ratio; without them I cannot judge solvency or underwriting. Combined ratio is not applicable to a bank. At this price, the stock looks roughly fairly valued if credit stays clean, but there is little margin of safety if the recent profit surge fades.

In plain English: Pinnacle Financial Partners is a bank holding company that offers checking, savings, loans, and treasury services to people and businesses in the U.S. Its profit has been uneven over the past few years, though the latest reported quarter showed much higher profit than a year earlier. At the recent price, the shares look roughly fair compared with the company’s profits and the value of its assets minus debts, but important details about loan quality and capital strength are missing.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer