Analyst Consensus ?
ConsensusBuy27 ratings
Bullish2074.1%
Neutral725.9%
Bearish00.0%
Pinnacle Financial Partners, Inc. · PNFP · FY2025 Q1 · Calendar Q2 2025
Pinnacle maintains growth plan as credit and rate risks remain
The supplied analysis supports a constructive but qualified view: Pinnacle's hiring-led loan growth, deposit expansion, Southeast expansion and BHG-related fees may support earnings, while credit, rate and execution risks remain material.
Reported Before market openNYSEFinancial Services
$15.16B market cap
80quality score
Earnings scorecard
Reported versus consensus
Reported EPS
—
Consensus $1.82
EPS surprise
—
Reported versus consensus
Reported revenue
—
Consensus $478.1M
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+2.4%
Event window
SPY move
+1.0%
Same window
Abnormal move
+1.4%
Stock minus SPY
Volume
1.7×
Versus trailing sessions
Subsequent drift
+20.9%
Up to 20 sessions
PNFPSPY benchmark
Ask FN2 about PNFP FY2025 Q1
Transcript, numbers and history already loaded
What drove PNFP's +2.4% move after FY2025 Q1 earnings?What changed in PNFP's guidance and outlook in FY2025 Q1?Give me the bull and bear case for PNFP after FY2025 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The supplied Q1 2025 analysis adds continued relationship-manager recruitment, Southeast expansion, commercial-real-estate de-risking and BHG fee and ABS activity as the main operating focus areas; guidance sentiment remained maintained.
Guidance delta
Maintained: the supplied analysis says 2025 loan-growth and deposit-growth guidance was unchanged, with NIM expected to remain flat to slightly higher.
Key takeaways
- Management's growth model remains centered on hiring experienced relationship managers and consolidating their loan books.
- The supplied analysis says deposit growth is supported by specialty verticals and competitive pricing.
- Commercial real-estate exposure is being reduced while C&I growth continues to outpace peers, according to the analysis.
- BHG fee revenue and ABS issuance remain part of the earnings-supporting framework described in the analysis.
Management priorities
- Continue hiring relationship managers.
- Expand selectively in Southeast markets.
- Reduce commercial-real-estate concentration.
- Increase BHG fee and ABS issuance activity.
- Invest in deposit verticals and incentive programs.
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$100.35Current
$80Low
$117Average
$140High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 24, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| TD Cowen | Buy | Buy | Maintain | Oct 23, 2026 |
| StoneX | Buy | Buy | Maintain | Oct 23, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Oct 23, 2026 |
| Morgan Stanley | Overweight | Overweight | Maintain | Oct 23, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Oct 23, 2026 |
| DA Davidson | Neutral | Neutral | Maintain | Oct 23, 2026 |
| Baird | Outperform | Outperform | Maintain | Oct 23, 2026 |
| Truist Securities | Buy | Buy | Maintain | Oct 9, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Oct 2, 2026 |
| Evercore ISI Group | Outperform | Outperform | Maintain | Oct 1, 2026 |
| Wells Fargo | Overweight | Equal Weight | Upgrade | Sep 30, 2026 |
| Benchmark | Buy | Buy | Maintain | Aug 5, 2026 |
| Citigroup | Buy | Buy | Maintain | Jun 25, 2026 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Apr 30, 2026 |
| UBS | Buy | Buy | Maintain | Apr 24, 2026 |
| Barclays | Overweight | Overweight | Maintain | Apr 7, 2026 |
| Keefe, Bruyette & Woods | Market Perform | Market Perform | Maintain | Jan 9, 2026 |
| Hovde Group | Outperform | Market Perform | Upgrade | Oct 17, 2025 |
| Jefferies | Hold | Buy | Downgrade | Jul 25, 2025 |
| Raymond James | Market Perform | Outperform | Downgrade | Oct 6, 2022 |
| SunTrust Robinson Humphrey | Buy | Buy | Maintain | Jun 15, 2020 |
| Hilliard Lyons | Neutral | Buy | Downgrade | Oct 20, 2017 |
| Sandler O'Neill | Hold | Buy | Downgrade | Sep 13, 2016 |
| Keefe Bruyette & Woods | Outperform | Market Perform | Upgrade | Sep 11, 2015 |
| Wunderlich Securities | Buy | Hold | Upgrade | Apr 29, 2015 |
| Wunderlich | Buy | Hold | Upgrade | Apr 29, 2015 |
| FIG Partners | Outperform | Market Perform | Upgrade | Apr 16, 2014 |
Named analyst price targets
Upside is calculated against the persisted current price $100.35. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| D.A. Davidson | Gary Tenner | $115 | $101.01 | +14.6% | Oct 23, 2026 |
| RBC Capital | Analyst unavailable | $120 | $101.04 | +19.6% | Oct 23, 2026 |
| Robert W. Baird | Analyst unavailable | $120 | $100.46 | +19.6% | Oct 23, 2026 |
| Morgan Stanley | Analyst unavailable | $140 | $100.46 | +39.5% | Oct 23, 2026 |
| Truist Financial | John McDonald | $112 | $94.67 | +11.6% | Oct 9, 2026 |
| Piper Sandler | Stephen Scouten | $125 | $94.63 | +24.6% | Oct 2, 2026 |
| Evercore ISI | Analyst unavailable | $108 | $93.61 | +7.6% | Oct 1, 2026 |
| HSBC | Analyst unavailable | $80 | $94.21 | -20.3% | Sep 30, 2026 |
| Morgan Stanley | Analyst unavailable | $139 | $94.18 | +38.5% | Sep 28, 2026 |
| Hovde Group | Analyst unavailable | $125 | $99.34 | +24.6% | Sep 16, 2026 |
| Morgan Stanley | Ryan Kenny | $137 | $101.01 | +36.5% | Sep 8, 2026 |
| Wells Fargo | Terry McEvoy | $118 | $104.68 | +17.6% | Aug 10, 2026 |
| Stephens | Analyst unavailable | $112 | $103.76 | +11.6% | Jul 27, 2026 |
| Piper Sandler | Analyst unavailable | $123 | $99.81 | +22.6% | Jul 24, 2026 |
| Evercore ISI | Analyst unavailable | $120 | $99.64 | +19.6% | Jul 6, 2026 |
| Robert W. Baird | Analyst unavailable | $115 | $94.33 | +14.6% | May 19, 2026 |
| Stephens | Analyst unavailable | $109 | $97.71 | +8.6% | Apr 30, 2026 |
| Evercore ISI | John Pancari | $115 | $98.71 | +14.6% | Apr 29, 2026 |
| UBS | Timur Braziler | $120 | $97.91 | +19.6% | Apr 24, 2026 |
| Truist Financial | Analyst unavailable | $114 | $84.68 | +13.6% | Mar 26, 2026 |
| Evercore ISI | Analyst unavailable | $116 | $101.32 | +15.6% | Feb 5, 2026 |
| UBS | Analyst unavailable | $106 | $99 | +5.6% | Feb 4, 2026 |
| Piper Sandler | Analyst unavailable | $122 | $95.3 | +21.6% | Jan 28, 2026 |
| Deutsche Bank | Analyst unavailable | $116 | $97.27 | +15.6% | Jan 21, 2026 |
| Truist Financial | Analyst unavailable | $100 | $98.22 | -0.3% | Jan 9, 2026 |
| Truist Financial | Analyst unavailable | $118 | $98.57 | +17.6% | Jan 9, 2026 |
| UBS | Analyst unavailable | $107 | $97.95 | +6.6% | Jan 6, 2026 |
| D.A. Davidson | Gary Tenner | $110 | $95.1 | +9.6% | Jan 5, 2026 |
| Piper Sandler | Stephen Scouten | $120 | $95.1 | +19.6% | Jan 5, 2026 |
| Barclays | Analyst unavailable | $135 | $99.99 | +34.5% | Dec 19, 2025 |
| Barclays | Jared Shaw | $125 | $86.68 | +24.6% | Nov 11, 2025 |
| Truist Financial | John McDonald | $105 | $85.86 | +4.6% | Oct 17, 2025 |
| Stephens | Analyst unavailable | $97 | $84.74 | -3.3% | Oct 17, 2025 |
| Wells Fargo | Analyst unavailable | $100 | $84.74 | -0.3% | Oct 17, 2025 |
| Hovde Group | Analyst unavailable | $106 | $84.74 | +5.6% | Oct 17, 2025 |
| Barclays | Analyst unavailable | $120 | $91.92 | +19.6% | Oct 8, 2025 |
| UBS | Analyst unavailable | $108 | $97.47 | +7.6% | Sep 2, 2025 |
| UBS | Nicholas Holowko | $121 | $118.15 | +20.6% | Jul 9, 2025 |
| Citigroup | Benjamin Gerlinger | $123 | $105.47 | +22.6% | Oct 17, 2024 |
| Barclays | Jared Shaw | $108 | $105.47 | +7.6% | Oct 17, 2024 |
| Truist Financial | Jennifer Demba | $113 | $100.53 | +12.6% | Oct 16, 2024 |
| Barclays | Jared Shaw | $101 | $95.54 | +0.6% | Sep 26, 2024 |
| Barclays | Jared Shaw | $97 | $93.97 | -3.3% | Jul 18, 2024 |
| Piper Sandler | Stephen Scouten | $98 | $93.97 | -2.3% | Jul 17, 2024 |
| Stephens | Matt Olney | $102 | $80.64 | +1.6% | May 23, 2024 |
| Stephens | Analyst unavailable | $104 | $87.49 | +3.6% | Apr 20, 2022 |
Track every rating change on PNFP the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationPinnacle 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. The company facilitates various types of deposit accounts for its clients, including savings accounts, standard checking accounts (both interest-bearing and noninterest-bearing), money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering commercial loans for purposes like equipment financing and working capital, along with commercial real estate loans for investment properties and business ventures backed by real estate. For individual clients, Pinnacle Bank offers secured and unsecured installment loans, term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. Additionally, it issues credit cards for both consumers and businesses.…
Historical context
All PNFP earningsFinancial Services peers this season
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Missed on EPS
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- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
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- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
Get the PNFP recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2025-04-01T14:31:56.830955+00:00
- Polygon adjusted daily market bars · 2026-10-24T06:00:47.706240+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-24T06:00:47.703440+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-24. For educational purposes only; not investment advice.