Is Pinnacle Financial Partners (PNFP) Now Attractive After A 20.5% One Year Share Price Decline?

Simply Wall St.01-24

If you are wondering whether Pinnacle Financial Partners at around US$97 a share looks like an opportunity or a value trap, you are in the right place. The stock has seen mixed returns, with a 1 year ...

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The stock has seen mixed returns, with a 1 year ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-pnfp/pinnacle-financial-partners/news/is-pinnacle-financial-partners-pnfp-now-attractive-after-a-2\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Pinnacle Financial Partners (PNFP) Now Attractive After A 20.5% One Year Share Price Decline?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Pinnacle Financial Partners (PNFP) Now Attractive After A 20.5% One Year Share Price Decline?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-01-24 14:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/banks/nyse-pnfp/pinnacle-financial-partners/news/is-pinnacle-financial-partners-pnfp-now-attractive-after-a-2><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>If you are wondering whether Pinnacle Financial Partners at around US$97 a share looks like an opportunity or a value trap, you are in the right place. The stock has seen mixed returns, with a 1 year ...</p>\n\n<a href=\"https://simplywall.st/stocks/us/banks/nyse-pnfp/pinnacle-financial-partners/news/is-pinnacle-financial-partners-pnfp-now-attractive-after-a-2\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1169590202.USD","symbol_name":"ALLSPRING (LUX)  U.S. SELECT EQUITY \"I\" (USD) ACC","start_time":0,"source_url":"https://simplywall.st/stocks/us/banks/nyse-pnfp/pinnacle-financial-partners/news/is-pinnacle-financial-partners-pnfp-now-attractive-after-a-2","article_id":"2605235172","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7013000-choice2-main-header/1585186648241"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/banks/nyse-pnfp/pinnacle-financial-partners/news/is-pinnacle-financial-partners-pnfp-now-attractive-after-a-2","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2605235172","pubTimestamp":1769236287,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"If you are wondering whether Pinnacle Financial Partners at around US$97 a share looks like an opportunity or a value trap, you are in the right place.\nThe stock has seen mixed returns, with a 1 year decline of 20.5% and a 5 year return of 49.2%. This can change how the market is thinking about both risk and long term potential.\nRecent coverage of regional banks and shifting sentiment toward the sector has kept investors focused on balance sheet resilience, loan quality and capital strength...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"LU1169590202.USD":"ALLSPRING (LUX)  U.S. SELECT EQUITY \"I\" (USD) ACC","LU1169589451.USD":"ALLSPRING (LUX)  U.S. SELECT EQUITY \"A\" (USD) ACC","BK4211":"区域性银行","PNFP":"Pinnacle Financial Partners","LU0274383776.USD":"MANULIFE GF US SMALL CAP EQUITY \"AA\" (USD) INC"},"translate_title":"Pinnacle Financial Partners(PNFP)股价一年下跌20.5%后现在是否有吸引力？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"PNFP":1.5},"content_text":"If you are wondering whether Pinnacle Financial Partners at around US$97 a share looks like an opportunity or a value trap, you are in the right place. The stock has seen mixed returns, with a 1 year decline of 20.5% and a 5 year return of 49.2%. This can change how the market is thinking about both risk and long term potential. Recent coverage of regional banks and shifting sentiment toward the sector has kept investors focused on balance sheet resilience, loan quality and capital strength. For Pinnacle, these themes help explain why some shareholders are reassessing what they are willing to pay for its shares today. On our checks, Pinnacle has a valuation score of 3 out of 6, which suggests some parts of the market may see pockets of value while others remain unconvinced. We will walk through several valuation methods before finishing with a more complete way to think about what the stock could be worth.  Find out why Pinnacle Financial Partners's -20.5% return over the last year is lagging behind its peers. AdvertisementApproach 1: Pinnacle Financial Partners Excess Returns Analysis The Excess Returns model looks at how much profit a company is expected to earn above the return that shareholders require, then capitalizes those “excess” profits into an estimate of fair value. For Pinnacle Financial Partners, the starting point is its book value of $88.65 per share and an average Return on Equity of 10.98%. Analysts see a stable earnings power of $11.63 per share, based on weighted future ROE estimates from 11 analysts, on a stable book value of $105.94 per share, based on estimates from 14 analysts. The required return for shareholders, or cost of equity, is set at $7.37 per share, while the model estimates excess return at $4.26 per share. In simple terms, the bank is expected to earn more on its equity base than the return investors require, and the model converts this spread into an intrinsic value per share. This Excess Returns approach produces an estimated fair value of about $221.22 per share, which implies the stock is 56.1% undervalued compared with the current price of roughly $97. Result: UNDERVALUED Our Excess Returns analysis suggests Pinnacle Financial Partners is undervalued by 56.1%. Track this in your watchlist or portfolio, or discover 864 more undervalued stocks based on cash flows. PNFP Discounted Cash Flow as at Jan 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Pinnacle Financial Partners. Approach 2: Pinnacle Financial Partners Price vs Earnings P/E is a common way to look at profitable companies because it ties what you pay directly to the earnings the business is already generating. It is a simple shorthand for how many dollars investors are willing to pay for each dollar of earnings. What counts as a “normal” or “fair” P/E usually depends on how the market views a company’s growth potential and risk profile. Higher expected growth or lower perceived risk can justify a higher multiple, while slower growth or higher risk tend to pull that number down. Pinnacle Financial Partners is trading on a P/E of 23.32x. That sits above both the Banks industry average P/E of 11.81x and the peer group average of 14.03x. Simply Wall St’s Fair Ratio for Pinnacle is 25.43x, which is their estimate of a suitable P/E once factors like earnings growth, profit margins, industry, market cap and company specific risks are taken into account. This Fair Ratio can be more informative than a simple comparison with industry or peers, because it adjusts for company characteristics rather than assuming one size fits all. With the current P/E slightly below the Fair Ratio, the shares screen as modestly undervalued on this metric. Result: UNDERVALUED NYSE:PNFP P/E Ratio as at Jan 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Discover 1428 companies where insiders are betting big on explosive growth. Upgrade Your Decision Making: Choose your Pinnacle Financial Partners Narrative Earlier we mentioned that there is an even better way to understand valuation, so let us introduce you to Narratives, a simple way to connect your own story about Pinnacle Financial Partners with the numbers behind its fair value and forecasts for revenue, earnings and margins. A Narrative on Simply Wall St is your view of how the business might develop, translated into a financial forecast and a fair value, then compared with today’s share price so you can decide whether the gap between Price and Fair Value looks attractive or not. These Narratives live inside the Community page on Simply Wall St, where millions of investors share their assumptions, and they update automatically when fresh information like news or earnings is added. This means your view of Pinnacle does not stay frozen in time. For example, one investor might set a relatively high fair value for Pinnacle Financial Partners based on optimistic assumptions around future profitability, while another uses more cautious inputs and ends up with a considerably lower fair value. Yet both are looking at the same current share price to decide whether the stock suits their approach. Do you think there's more to the story for Pinnacle Financial Partners? Head over to our Community to see what others are saying! NYSE:PNFP 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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