PNFP
Pinnacle Financial Partners Inc. Financial Services - Banking Investor Relations →
Pinnacle Financial Partners Inc. (PNFP) closed at $105.23 as of 2026-07-31, trading 22.5% above its 200-week moving average of $85.92. The stock moved further from the line this week, up from 19.6% last week. The 14-week RSI sits at 69, indicating neutral momentum.
Trading volume is running at 1.3x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.15 ratio) is neutral — neither side is clearly dominating.
Over the past 1305 weeks of data, PNFP has crossed below its 200-week moving average 18 times. On average, these episodes lasted 18 weeks. Historically, investors who bought PNFP at the start of these episodes saw an average one-year return of +4.9%.
With a market cap of $15.9 billion, PNFP is a large-cap stock. Return on equity stands at 7.6%. The stock trades at 1.1x book value.
Over the past 25.1 years, a hypothetical investment of $100 in PNFP would have grown to $3224, compared to $967 for the S&P 500. That represents an annualized return of 14.9% vs 9.5% for the index — confirming PNFP as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
In the past 12 months, corporate insiders have made 5 open-market purchases totaling $3,575,259.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: PNFP vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After PNFP Crosses Below the Line?
Across 18 historical episodes, buying PNFP when it crossed below its 200-week moving average produced an average return of +6.5% after 12 months (median +17.0%), compared to +5.5% for the S&P 500 over the same periods. 59% of those episodes were profitable after one year. After 24 months, the average return was +39.0% vs +26.4% for the index.
Each line shows $100 invested at the moment PNFP crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices PNFP would reach each dislocation threshold.
Dislocation Price Levels
Prices where PNFP's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $80.75 | Unusually cheap — potential buy zone |
| Value | +1σ | $85.61 | Cheap vs. own history |
| Fair Value | +0σ | $91.10 | Historical mean behavior |
| Expensive | -1σ | $97.35 | Expensive vs. own history |
| Deep Expensive | -2σ | $104.51 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from PNFP's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
PNFP has crossed below its 200-week MA 18 times with an average 1-year return of +4.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Sep 2001 | Sep 2001 | 1 | 4.4% | +66.4% | +3399.8% |
| Oct 2001 | Nov 2001 | 1 | 0.6% | +55.0% | +3258.8% |
| Jul 2007 | Aug 2007 | 2 | 8.7% | +9.0% | +410.4% |
| Dec 2007 | Apr 2008 | 16 | 18.7% | +5.8% | +375.3% |
| May 2008 | Sep 2008 | 18 | 25.9% | -25.3% | +359.8% |
| Oct 2008 | Oct 2008 | 3 | 9.8% | -51.6% | +384.4% |
| Nov 2008 | Nov 2008 | 2 | 10.8% | -54.8% | +370.3% |
| Dec 2008 | Jan 2012 | 164 | 60.9% | -54.2% | +358.5% |
| Feb 2012 | Mar 2012 | 1 | 0.4% | +33.9% | +631.1% |
| Oct 2018 | Feb 2019 | 18 | 20.1% | +1.5% | +105.7% |
| Mar 2019 | Apr 2019 | 7 | 9.0% | -9.3% | +101.0% |
| May 2019 | Jul 2019 | 9 | 7.7% | -37.8% | +103.7% |
| Jul 2019 | Oct 2019 | 11 | 10.3% | -29.5% | +100.8% |
| Feb 2020 | Nov 2020 | 39 | 42.6% | +56.4% | +115.2% |
| Mar 2023 | Jul 2023 | 19 | 32.2% | +41.6% | +83.0% |
| Aug 2023 | Nov 2023 | 13 | 13.1% | +39.2% | +63.5% |
| Jun 2024 | Jun 2024 | 1 | 0.6% | +37.3% | +43.8% |
| Mar 2026 | Mar 2026 | 3 | 1.6% | N/A | +27.6% |
| Average | 18 | — | +4.9% | — |
Frequently Asked Questions
Is PNFP below its 200-week moving average?
No. Pinnacle Financial Partners Inc. (PNFP) is currently 22.5% above its 200-week moving average of $85.92. It would need to fall to $85.92 to cross below the line.
What is PNFP's 200-week moving average price?
Pinnacle Financial Partners Inc.'s 200-week moving average is $85.92 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when PNFP drops below its 200-week moving average?
PNFP has crossed below its 200-week moving average 18 times in our data. On average, buying at that moment produced a one-year return of +4.9%. These dips have historically been decent entry points. These episodes lasted 18 weeks on average.
Is PNFP a good value right now?
Here's what our data says about PNFP as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 69. Return on equity is 7.6%. Price-to-book is 1.1x. This is not a buy or sell recommendation — always do your own research.
How does PNFP compare to the S&P 500?
Over the past 25.1 years, $100 invested in PNFP would have grown to $3224, compared to $967 for the S&P 500. That's 14.9% annualized vs 9.5% for the index. PNFP has outperformed the broader market over this period.
Does PNFP pay a dividend?
Yes. Pinnacle Financial Partners Inc. currently pays a dividend yield of 190.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31