
PNFP Stock Forecast & Price Target
PNFP Analyst Ratings
Bulls say
Pinnacle Finl Partners is expected to experience strong organic loan growth rates of 11.0% in both 2026 and 2027, driven by a combination of diverse geographies, asset classes, and cross-selling opportunities from the recent SNV merger. Additionally, the company has raised its operating EPS and price target, with a projected ROTCE outlook of 17.0% in 2027 and a double-digit organic growth rate, making it a potentially attractive investment with relatively low execution risk. However, there are still potential risks that could impact the company's performance, including interest rate risk, policy/regulatory risk, and deal risk, as well as economic and credit risks, cybersecurity concerns, and concentrations in the real estate and commercial loan sectors.
Bears say
Pinnacle Finl Partners is a community bank that heavily relies on mergers and acquisitions for growth. However, its asset quality outlook is stable with a net charge-off (NCO) guide of 20bp-25bp. With a significant stake in Bankers Healthcare Group and a strong presence in the Southeast and Mid-Atlantic, PNFP has potential for double-digit loan growth in 2026, but success in legacy markets hinges on continued progress in hiring within its 9-state footprint. Despite a constructive future outlook, the recent increase in non-performing assets and the reliance on M&A for growth warrant a negative outlook on this stock.
This aggregate rating is based on analysts' research of Steel Newco Inc and is not a guaranteed prediction by Public.com or investment advice.
PNFP Analyst Forecast & Price Prediction
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