NASDAQ · STOCK
Pinnacle Financial Partners
$99.39
52W $81.08 – $119.69
69/100
—
12.4
1.03
Explore PNFP Further
Is PNFP Bullish or Bearish?
Bullish.
Innellis AI committee rates Pinnacle Financial Partners (PNFP) Buy with a composite score of 69/100
, based on 7 analysts with 86% agreement.
Last updated July 20, 2026.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
Bear Case
- Lower Highs / Lower Lows structure confirms bearish price action.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
69/100
Agreement
86%
Analysts
7
Conviction
Contested
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ Price-to-book of 1.1x is a discount to asset value
Growth Analyst
bullish
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 82.7% YoY -- genuine top-line momentum
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.11) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
69
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.36 across 11 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 68.4 to 68.9.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +1 bearish signal(s).
- Risk Analyst: score 75->80 (+5).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
54.5
Neutral
MACD Histogram
0.098
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Lh Ll
Support
$91.82
Resistance
$101.09
Bollinger %B
0.69
Inside Bands
Price vs Moving Averages
EMA 9
$100.69
Below
EMA 21
$99.60
Below
EMA 50
$97.84
Above
EMA 200
$96.14
Above
Fundamental Analysis
Valuation
100
Growth
70
Profitability
0
Financial Health
54
Cash Flow
37
Valuation
P/E Ratio
12.4×
P/B Ratio
0.53×
PEG Ratio
0.41
Dividend Yield
0.01%
52W High
$119.69
52W Low
$81.08
Quality & Growth
ROE
9.1%
ROA
1.1%
Gross Margin
68.7%
Operating Margin
19.9%
Revenue Growth YoY
—
Debt / Equity
0.41
AI Fundamental Assessment
P/E ratio of 12.4 (inexpensive relative to a 15-40x range); Price-to-book of 0.5x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 0.90 (tight short-term liquidity); Debt-to-equity of 0.41; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (21.92); Most recent quarter beat estimates by 3.8%; EPS growth accelerating (-1.3% -> +6.7% QoQ); Analyst estimates rising over recent quarters
Key Risks
- Lower Highs / Lower Lows structure confirms bearish price action.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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