Pinnacle Financial shares price target cut to $115 by KBW

Published 17/04/2025, 15:02
Pinnacle Financial shares price target cut to $115 by KBW

On Thursday, Keefe, Bruyette & Woods (KBW) made an adjustment to the price target of Pinnacle Financial Partners (NASDAQ: NASDAQ:PNFP), bringing it down to $115 from the previous $130, while maintaining a Market Perform rating on the stock. The decision follows Pinnacle Financial’s first-quarter performance of 2025, which the firm had previously identified as a trading opportunity.

The bank’s recent earnings report showcased strong growth and stable credit metrics, as well as improved performance from Bankers Healthcare Group (BHG). The company maintains solid fundamentals with a 3.47% revenue growth and has consistently paid dividends for 13 consecutive years. Despite these positive outcomes, the unchanged guidance prompted KBW to adopt a more conservative stance. The revised price target reflects a shift from the high end of net interest income (NII) growth expectations to the mid-range, specifically at 12%. For deeper insights into PNFP’s financial health and growth prospects, InvestingPro subscribers can access comprehensive analysis and additional ProTips.

KBW analysts have also taken a more cautious approach regarding the provision for credit losses, which has led to a slight reduction in their earnings per share (EPS) estimates by 2-3%. The new price target of $115 takes into account these adjustments, with a more conservative earnings multiple being applied in light of the broader macroeconomic headwinds.

The analyst from KBW, Catherine Mealor, provided insight into the rationale behind the updated price target, stating, "A Great Quarter; Conservatively Moving from High End of Guide; PNFP was a 1Q25 trading call, and we were encouraged by the strong growth, stable credit, better BHG, and unchanged guidance. Our estimates remain within PNFP’s guide, but we are coming off the high end of NII growth to the middle of the range (12%) and are also being a bit more conservative on the provision, which takes EPS lower by 2-3%. We move our PT to $115 (from $130), factoring in a more conservative multiple given the macro headwinds."

Pinnacle Financial Partners is a regional bank that operates primarily in the southeastern United States, offering a range of financial services to businesses and individuals. The bank’s performance, particularly in the first quarter of 2025, has been a point of interest for investors and analysts alike. With a P/E ratio of 17.89 and analyst targets ranging from $105 to $126, PNFP shows promising potential. Discover more detailed insights and access the comprehensive Pro Research Report, along with analysis of 1,400+ other stocks, on InvestingPro.

In other recent news, Pinnacle Financial Partners has announced dividend payments for its common and preferred shareholders. The company’s Board of Directors approved a cash dividend of $0.24 per common share and a total of approximately $3.8 million for preferred shareholders, payable in late May and early June 2025. Moody’s Ratings has affirmed Pinnacle Financial’s ratings, 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, and its liquidity improved, although it still trails some peers. Keefe, Bruyette & Woods maintained a Market Perform rating with a $130 price target, noting Pinnacle’s robust growth and stable credit outlook. The company also announced a 2025 Annual Cash Incentive Plan, rewarding employees based on performance metrics like earnings per share and total revenue. Additionally, administrative updates to Pinnacle’s charter and fiscal address were filed, ensuring compliance with regulatory requirements. These developments reflect Pinnacle Financial’s ongoing efforts to enhance its financial stability and operational transparency.

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