NYSE: PNFP · Regional Banks
Pinnacle Financial Partners (PNFP) fair value: undervalued or overvalued?
As of 31 Oct 2026, Faircurve's model values Pinnacle Financial Partners (PNFP) at $95.03 a share. The stock last closed at $102.90, which puts the model's fair value 7.6% below the price. On the model's bands that reads as Fairly valued.
Revalued . Price is the close of 3 Nov 2026. Pinnacle Financial Partners, Inc.
The report adds the live price, the chart against the range the options market prices, the next earnings date and the analysts' consensus. No account needed.
This week, in three parts
What happenedThe run of 31 Oct 2026 held the fair value at $95.03, within 1% of the run of 24 Oct 2026.
What the model makes of itThe price of $102.90 is 7.6% above it: Fairly valued, on a high evidence grade.
What's nextNext report on 20 Jan 2027. Options prices imply a move of about 8% either way over the next month. The next weekly run is on Saturday 7 Nov 2026.
What price range does the model give PNFP?
The calibrated range for PNFP over 63 trading days is $95.01 to $113.49. It sits around the last close, and its width comes from the volatility that PNFP's own options imply (27% a year), calibrated weekly against realised prices (n = 6,661 past valuations, refreshed 31 Oct 2026). Ranges built this way held the price 60% of the time at this horizon. The fair value is the model's opinion and rides beside the range. It is not the centre of it.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $73.75 to $120.15. In 41% of the simulations the fair value came out above the price the model ran on.
Faircurve Insights · 31 Oct 2026
Pinnacle Financial Partners, Inc. is a bank holding company that oversees Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States.
Faircurve's model put the fair value at $95.03 a share on 31 Oct 2026, the midpoint of 2,000 simulations. The previous run, on 24 Oct 2026, gave $95.18, so the fair value moved -0.2%. The sheet gives no reason for the move. The calibrated range over 63 trading days is $95.01 to $113.49. It is built from the volatility the stock's own options imply, and it is calibrated weekly against realised prices. Ranges built this way held the price 60% of the time at this horizon, based on 6,661 past valuations refreshed 31 Oct 2026. The model's evidence grade is High. The grade covers the number and agreement of comparable companies, the spread of outcomes, and agreement between valuation methods. It does not say whether the fair value is right.
Quality scores are not on the sheet for this note, so none are reported here. Faircurve's model compares Pinnacle with East West Bancorp, Inc. (EWBC), First Horizon Corporation (FHN), Wintrust Financial Corporation (WTFC), UMB Financial Corporation (UMBF), SouthState Bank Corp. (SSB), Cullen/Frost Bankers, Inc. (CFR) and Regions Financial Corporation (RF), each with a fair value of its own on the site. KeyCorp (KEY) is also a comparable company, but it has no verdict on this date. Pinnacle was first valued by Faircurve on 11 Jul 2026.
Written from the figures on this page for the 31 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
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Faircurve's note after each US session, in your inbox. No account needed.
When does PNFP report earnings, and how has the stock reacted?
Pinnacle Financial Partners's next earnings report is scheduled for 20 Jan 2027. Companies can move their dates.
On 4 Nov 2026, PNFP's 30 day implied volatility worked out to a move of about 7.7% over one month, in either direction. That is a size, not a direction.
Around its last 8 reports: what the options market priced, and what followed
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across PNFP's last 8 reports, ignoring direction, was 2.6%.
What the options market has priced for a month's move in PNFP
How does PNFP compare with similar companies?
The companies in regional banks closest to Pinnacle Financial Partners in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| EWBC East West Bancorp, Inc. | $132.41 | $130.84 | -1.2% | Fairly valued |
| FHN First Horizon Corporation | $23.35 | $20.54 | -12.0% | Fairly valued |
| KEY KeyCorp | $21.23 | $20.21 | -4.8% | Low evidence grade |
| WTFC Wintrust Financial Corporation | $155.37 | $156.94 | +1.0% | Fairly valued |
| UMBF UMB Financial Corporation | $136.09 | $137.26 | +0.9% | Fairly valued |
| SSB SouthState Bank Corp. | $105.95 | $87.07 | -17.8% | Overvalued |
| CFR Cullen/Frost Bankers, Inc. | $159.14 | $131.53 | -17.3% | Overvalued |
| RF Regions Financial Corporation | $28.60 | $27.90 | -2.4% | Fairly valued |
Pinnacle Financial Partners at a glance
Pinnacle Financial Partners, Inc. functions as a bank holding company, overseeing Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States.
- Market value
- $15.4B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- +74.1%
- Analysts with estimates
- 15
- Beta to the US market
- 0.64
- First valued by Faircurve
- 11 Jul 2026
At the close of 3 Nov 2026, 52.1% of the 1,081 graded US stocks the model covers traded below the model's fair value. PNFP was not among them.
How the fair value is worked out: the model prices Pinnacle Financial Partners on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 24 Oct 2026 the model's fair value for PNFP was $95.18. As of 31 Oct 2026 it is $95.03, a change of -0.2%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Pinnacle Financial Partners's valuation
Is Pinnacle Financial Partners stock undervalued or overvalued?
On Faircurve's model, PNFP reads as Fairly valued as of 31 Oct 2026. The model's fair value is $95.03 a share against a last close of $102.90, a gap of -7.6%.
What is PNFP's fair value?
$95.03 a share as of 31 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $73.75 to $120.15.
What price range does the model give PNFP?
$95.01 to $113.49 over 63 trading days. Ranges built this way held the price 60% of the time across 6,661 past valuations, refreshed 31 Oct 2026.
When does Pinnacle Financial Partners report earnings next?
The next report is scheduled for 20 Jan 2027. Companies can move their dates.
How much has PNFP moved on past earnings reports?
Across its last 8 reports the median two session move was 2.6%, ignoring direction. The largest was -7.8% around the report of 15 Oct 2025.
How confident is the model in this valuation?
The model's evidence grade for PNFP is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.
The model's own ideas on PNFP
The model holds no idea open on PNFP today. Signed-in readers see the rule each idea runs on, the floor and the exit level the model set and its time limit, and the model's closed ideas on PNFP with their outcomes. A free account is enough.