Citi raises Pinnacle Financial Partners stock price target to $140 on growth outlook

Published 17/07/2025, 10:52
Citi raises Pinnacle Financial Partners stock price target to $140 on growth outlook

Investing.com - Citi has raised its price target on Pinnacle Financial Partners (NASDAQ:PNFP) stock to $140.00 from $134.00 while maintaining a Buy rating. According to InvestingPro data, the stock appears undervalued based on its Fair Value analysis, with seven analysts recently revising their earnings estimates upward.

The research firm cited Pinnacle’s "outsized and consistently strong loan growth production" as a key factor in the decision. This assessment aligns with the company’s impressive 21.56% revenue growth over the last twelve months. Citi noted that hiring trends are on pace to match 2024’s record-breaking year, which should help accelerate growth into and throughout 2026.

Citi expects Pinnacle to benefit from increased line utilization, which will drive additional growth from legacy relationships. The firm also expressed confidence that the second-quarter BHG contribution level would be sustainable. Trading at an attractive PEG ratio of 0.32 and P/E of 15.3x, the stock shows compelling value metrics. For deeper insights into Pinnacle’s valuation and growth prospects, check out the comprehensive analysis available on InvestingPro.

While Citi models above-consensus growth for Pinnacle, it acknowledges the expense base will likely see healthy growth as well. However, the firm still anticipates a stronger pre-provision net revenue outlook for the financial institution.

Given Pinnacle’s solid growth outlook and stable credit trends, Citi believes the company is likely to further expand its valuation premium compared to peers, supporting the $6 increase in the price target.

In other recent news, Pinnacle Financial Partners reported second-quarter earnings that exceeded analyst expectations, with earnings per share rising nearly 23% year-over-year. The Nashville-based bank posted earnings of $2.00 per diluted share, surpassing the consensus estimate of $1.91. Revenue reached $505 million, exceeding the expected $498.64 million. Loans grew at an annualized rate of 10.7%, with commercial and industrial loans showing particularly strong momentum. The net interest margin improved to 3.23%, up from 3.14% in the same quarter last year. Noninterest income surged significantly, and wealth management revenues increased by 16.4% year-over-year. Despite higher expenses due to increased incentive compensation, the bank announced its expansion into the Richmond, Virginia market. Piper Sandler maintained a Neutral rating on Pinnacle Financial but noted expectations for shares to outperform in the near term due to stronger revenue trends.

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