NYSE: PNFP ยท Regional Banks
Pinnacle Financial Partners (PNFP) fair value and price range
As of 19 Sep 2026, Faircurve's model values Pinnacle Financial Partners (PNFP) at $90.14 a share. The stock last closed at $96.75, which puts the model's fair value 6.8% below the price. The model has low confidence in this valuation, so no verdict is shown. Low confidence means the inputs or the peer comparison behind the number are thin, and the fair value is a rough guide.
Revalued . Price is the close of 18 Sep 2026. Pinnacle Financial Partners, Inc.
What price range does the model give PNFP?
The calibrated range for PNFP over 63 trading days is $90.34 to $110.11. It sits around the last close, and its width comes from the volatility that PNFP's own options imply (28% a year), calibrated weekly against realised prices (n = 2,982 past valuations, refreshed 19 Sep 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 $69.96 to $113.97. In 41% of the simulations the fair value came out above the price the model ran on.
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. | $126.92 | $128.53 | +1.3% | Low model confidence |
| FHN First Horizon Corporation | $23.94 | $22.81 | -4.7% | Low model confidence |
| UMBF UMB Financial Corporation | $134.52 | $129.36 | -3.8% | Low model confidence |
| SSB SouthState Bank Corp. | $103.44 | $89.13 | -13.8% | Low model confidence |
| WTFC Wintrust Financial Corporation | $147.52 | $149.68 | +1.5% | Low model confidence |
| CFR Cullen/Frost Bankers, Inc. | $159.80 | $129.75 | -18.8% | Low model confidence |
| ONB Old National Bancorp | $25.27 | $23.22 | -8.1% | Low model confidence |
| ZION Zions Bancorporation, National Association | $65.23 | $93.47 | +43.3% | Low model confidence |
When does PNFP report earnings, and how has the stock reacted?
Pinnacle Financial Partners's next earnings report is scheduled for 21 Oct 2026. Companies can move their dates.
Options prices on 18 Sep 2026 imply a move of about 6.1% in either direction through the nearest expiry, about 27 days out. That is the size the market is pricing, not a direction. PNFP's 30 day implied volatility works out to about 8.1% over one month.
How PNFP moved around its last 8 earnings reports
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 these 8 reports, ignoring direction, was 2.6%.
| Report date | Two session move |
|---|---|
| 22 Jul 2026 | +3.1% |
| 22 Apr 2026 | +1.7% |
| 21 Jan 2026 | +0.3% |
| 15 Oct 2025 | -7.8% |
| 15 Jul 2025 | -2.1% |
| 14 Apr 2025 | +12.6% |
| 21 Jan 2025 | +1.8% |
| 15 Oct 2024 | +6.2% |
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
- $14.6B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- +72.3%
- Analysts with estimates
- 14
- Beta to the US market
- 0.85
- First valued by Faircurve
- 11 Jul 2026
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 12 Sep 2026 the model's fair value for PNFP was $67.65. As of 19 Sep 2026 it is $90.14, a change of +33.2%. 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?
Faircurve's model puts PNFP's fair value at $90.14 a share against a last close of $96.75, as of 19 Sep 2026. The model has low confidence in this valuation, so no verdict is shown. Low confidence means the inputs or the peer comparison behind the number are thin, and the fair value is a rough guide.
What is PNFP's fair value?
$90.14 a share as of 19 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $69.96 to $113.97.
What price range does the model give PNFP?
$90.34 to $110.11 over 63 trading days. Ranges built this way held the price 60% of the time across 2,982 past valuations, refreshed 19 Sep 2026.
When does Pinnacle Financial Partners report earnings next?
The next report is scheduled for 21 Oct 2026. 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 +12.6% around the report of 14 Apr 2025.
How confident is the model in this valuation?
Model confidence for PNFP is low. Confidence reflects how complete the inputs are and how well comparable companies explain the valuation. It is not a probability that the price reaches the fair value.