Pinnacle Financial shares hold as Keefe Bruyette keeps $130 target

Published 15/04/2025, 12:36
Pinnacle Financial shares hold as Keefe Bruyette keeps $130 target

On Tuesday, Pinnacle Financial Partners (NASDAQ:PNFP) maintained its Market Perform rating and a $130.00 price target from Keefe, Bruyette & Woods. The firm’s analyst, Catherine Mealor, highlighted the company’s robust growth and stable credit outlook, noting that Pinnacle’s performance was bolstered by a provision-driven beat, with loan growth reaching 12% on average compared to the anticipated 10%. Mealor also pointed out the substantial core deposit growth, which was up 21% on a last quarter annualized basis, and an increase in BHG earnings by $0.08.

Mealor expressed optimism about the stock’s prospects, stating that Pinnacle Financial Partners is well-positioned for positive performance in the market, especially given its consistent ability to outperform peers across various economic cycles. The unchanged 2025 guidance was also seen as a positive sign, reinforcing the company’s steady outlook. InvestingPro analysis reveals the company has maintained dividend payments for 13 consecutive years, demonstrating long-term financial stability despite the stock’s recent 19.24% year-to-date decline.

Despite the positive growth indicators, Mealor cautioned that macroeconomic headwinds and the potential for loan pay-downs could lead consensus estimates to gravitate towards the lower end of the net interest income (NII) range. This could represent a $0.25 challenge to earnings per share (EPS). However, she suggested that any such impact could be mitigated by corresponding expense reductions.

The analyst concluded by noting that, even with these potential challenges, the risks appear to be already factored into the stock’s valuation. Pinnacle Financial Partners’ shares are currently trading at 1.6 times the tangible book value (TBV) and 10 times the estimated EPS for 2026, which Mealor believes adequately reflects the identified risks. InvestingPro subscribers can access a comprehensive analysis of PNFP’s valuation metrics, along with over 30 additional financial health indicators and exclusive ProTips in the detailed Pro Research Report, helping investors make more informed decisions about this financial stock.

In other recent news, Pinnacle Financial Partners reported several notable developments. Moody’s Ratings affirmed the company’s ratings while upgrading the outlook to stable, citing improved capitalization and reduced exposure to commercial real estate construction lending. The bank’s capitalization increased to 10.75% by the end of 2024, demonstrating an improvement from previous years. Pinnacle Financial also announced amendments to its charter and updated its fiscal address, with these changes having no impact on its financial statements or operations. Furthermore, the company approved its 2025 Annual Cash Incentive Plan, which ties employee bonuses to specific performance metrics, including earnings per share and revenue targets. Additionally, equity awards were granted to key executives, with vesting conditions linked to performance metrics and potential adjustments based on shareholder return. Citi analyst Benjamin Gerlinger raised the price target for Pinnacle Financial to $148, maintaining a Buy rating due to the company’s strong loan growth and strategic hiring practices. These updates reflect Pinnacle Financial’s ongoing efforts to enhance its operational and financial strategies.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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