What is PNFP's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for PNFP.

Stock Ratings / Financials / PNFP / options

EWBC (69) ALLY (58) FHN (58) KEY (64) ⌘ Pro Terminal →

Pinnacle Financial Partners Inc. (PNFP) Options Positioning, Max Pain & Unusual Sweeps

$101.66 -0.05% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $101.46

Pinnacle Financial Partners Inc. (PNFP) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $15.36B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PNFP Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PNFP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, Pinnacle Financial Partners Inc. (NYSE: PNFP) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $101.66 (-0.05% 1D, market cap $15.36B). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, PNFP ranks #380 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PNFP compare to EWBC and ALLY in the Financials sector?

▼

Within the Financials sector (Major Banks), PNFP carries a Roarable C- (60/100 RQD), trailing P/E of 19.4x, gross margin of —, and ROIC of 3.6%. By comparison, EWBC (East West Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 13.7x, ROIC 3.7%, cap $17.92B) and ALLY (Ally Financial Inc.) posts a D+ grade (58/100 RQD, P/E 14.2x, ROIC 4.1%, cap $11.61B). Among the 5-stock peer group, FHN leads on earnings multiple (11.4x) while ALLY leads on capital efficiency (4.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PNFP?

▼

Per PNFP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002082866), Pinnacle Financial Partners Inc. generated $2.62B in revenue (+64.2% YoY), $792.0M in net income, and $642.9M in free cash flow against $57.71B in total assets and $22.80B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $101.46 (-0.20%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 24.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PNFP)Realized 20D OHLCV Swing Band: ±4.6%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY PNFP SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±4.6% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality8/20 pts (-12 pt drag)

Capital intensity & 0% operating margin leave 12 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$92.85+5.8% Next Q

Q2 (-2Q)

Grade C$98.21+1.3% Next Q

Q3 (-1Q)

Grade C$99.48+2.2% Next Q

Current

Grade C-$101.66+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PNFP Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, PNFP faces multiple-compression risk if 19.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($97.50) or 200D SMA ($96.75) invalidates the momentum regime and cuts Target Base ($102.57) toward Bear Floor ($80.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PNFP• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PNFP Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.6%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (PNFP)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for PNFP.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PNFP & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PNFP
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PNFP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.98%⚡ TESTING RESISTANCE

2026-11-03O $101.7H $101.7L $101.7C $101.7VOL 1.35M

RES: $102.7SUP: $91.56SMA50: $97.50SMA200: $96.75

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PNFP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PNFP Butterfly Map → + Track PNFP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

12.8%/yr Implied 5Y Growth

vs. -1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PNFP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PNFP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PNFP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PNFP)

Financials Rank #380 of 1096 ⚔️ EWBC vs PNFP Full Matrix →

1. Head-to-Head Financials Peer Comparison (PNFP vs. EWBC, ALLY, FHN, KEY)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Pinnacle Financial Partners Inc. (PNFP) ranks #380 by composite RQD confidence (60/100, grade C-) and #135 by equity capitalization ($15.36B). Within this direct 5-issuer industry benchmark cohort, FHN leads on earnings valuation at 11.4x trailing P/E, while ALLY leads on capital efficiency and profitability with 4.1% ROIC and — gross margin. EWBC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with PNFP at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PNFP ACTIVE Pinnacle Financial Partners Inc.	C-	60/100	19.4x	—	3.6%	-0.05%	$15.36B	Benchmark Subject
EWBC East West Bancorp Inc.	C+	69/100	13.7x	—	3.7%	-1.61%	$17.92B	/ewbc-vs-pnfp →
ALLY Ally Financial Inc.	D+	58/100	14.2x	—	4.1%	-3.71%	$11.61B	/ally-vs-pnfp →
FHN First Horizon Corporation	D+	58/100	11.4x	—	3.1%	-1.65%	$11.02B	/fhn-vs-pnfp →
KEY KeyCorp	C	64/100	12.5x	—	2.6%	-1.72%	$22.54B	/key-vs-pnfp →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002082866

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Pinnacle Financial Partners Inc. (PNFP) reported GAAP revenue of $2.62B (+64.2% vs. FY2024 revenue of $1.59B , and +45.7% cumulative change since FY2023) , GAAP net income of $792.0M, operating cash flow of $676.1M, and free cash flow of $642.9M (-15.9% YoY). On the balance sheet, PNFP closed FY2025 with $57.71B in total assets against $22.80B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.62B	$792.0M	$676.1M	$642.9M	$57.71B	$22.80B
FY2024 (FY)	2024-12-31	$1.59B	$482.5M	$821.0M	$764.9M	$60.23B	$24.74B
FY2023 (FY)	2023-12-31	$1.80B	$543.7M	$1.28B	$1.28B	$8.45B	$1.98B

3. PNFP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PNFP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PNFP compare to EWBC and ALLY in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PNFP?

Where is PNFP trading relative to its 50-day, 200-day, and 52-week technical levels?

PNFP last traded at $101.66 (-0.05% on volume of 1,349,982 shares), positioning the stock +4.27% above its 50-day simple moving average ($97.50) and +5.07% above its 200-day simple moving average ($96.75). Across its 52-week range of $81.08 to $110.33, PNFP sits at the 70.4% percentile with a 14-day RSI of 65.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($96.98 to $106.34).

Direct Sub-Reports: PNFP RQD Cockpit PNFP 12M Forecast PNFP Earnings & Move PNFP Dividends & DRIP PNFP Insiders & 13F PNFP Whale Options PNFP Profit Sankey PNFP News & Why

ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PNFP — Pinnacle Financial Partners Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:14:34Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, PNFP scores 61 out of 100, earning a letter grade of C- and a verdict label of "Roarable Hold — Cautious Neutral." The five pillars are:

Fundamental Cash Engine: 8 / 20 (ROIC 3.6%; FCF yield 4.18%). This is the weakest pillar and the main drag on the score. The low ROIC indicates modest returns on invested capital, and the FCF yield sets a cash-generation baseline that investors would weigh against the current valuation.
Whale 13F Flow: 15 / 20 (institutional accumulation and options positioning). This pillar reflects moderately supportive institutional positioning, though the source does not provide the underlying 13F detail.
Insider Conviction: 14 / 20 (SEC Form 4 and Congressional PTR cluster flow). A mid-range reading; the source does not itemize the specific trades behind it.
Macro Regime Fit: 11 / 20 (Beta 0.92; sector sensitivity). A beta below 1.0 implies lower volatility than the broad market, which may appeal to defensive-minded investors, but the sector-sensitivity score is only moderate.
Forensic Balance Sheet: 13 / 20 (Altman Z 2.5; Piotroski F 6/9; Debt/Equity 0.5). This is a relatively sound reading, with a Piotroski score of 6 out of 9 and a Debt/Equity ratio of 0.5.

Taken together, the rating points to a stock whose cash-generation and return-on-capital metrics are the principal weakness, offset by reasonable balance-sheet and institutional signals. The valuation tradeoff is visible in the multiples: a P/E (TTM) of 19.4 and an EV/EBITDA of 29.9 sit against a 3.6% ROIC, so an investor is paying a full multiple for returns that the source characterizes as modest. Upside drivers would need to come from improved returns on capital; the cautious-neutral verdict reflects that the current data does not yet show that improvement.

Business

Per the Roarable profile, Pinnacle Financial Partners Inc. is a NYSE-listed issuer in the Financials sector, operating within the Major Banks industry, with a market capitalization of $15.4B. —

Recent Catalysts & News Wire Analysis

Per the recent news and catalysts feed, the stream is dominated by GREEN "CATALYST" items, including Yahoo Finance, Seeking Alpha, and The Globe and Mail coverage of PNFP's market action and fundamentals. A headline reports that the Pinnacle–Synovus merger was honored as a 2026 Deal of the Year (YELLOW, "MARKET WIRE"), and another describes a "Strong Post-Merger Quarter." Other headlines suggest the stock may be undervalued following Q3 results and that the earnings beat may alter the investment case. The feed contains no explicit risk-watch items. Per the Butterfly Supply-Chain Graph, there are no proprietary signals or butterfly links. The catalyst summaries are headline-level only; the source does not contain their full content.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply-chain status is "NONE," with no butterfly links and no proprietary signals recorded. —

Analyst View & Smart Money Ownership

— (The analyst data and holders sections are both recorded as NONE.)

Open Questions

What drives the gap between FY 2025 net income of $792.0M and the decline in free cash flow to $642.9M, and is the ROIC of 3.6% expected to improve?
What explains the rise in reported debt from $1.98B in FY 2023 to $22.80B in FY 2025, and how does the merger factor into this change?
What are the specific 13F, Form 4, and Congressional trades behind the whale-flow and insider-conviction pillar scores?
What is the company's revenue, given that reported revenue is — across all periods, and how does the business model generate income?
What does the earnings beat referenced in recent headlines consist of, and what guidance accompanies it?

PNFP Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Pinnacle Financial Partners Inc. (PNFP) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PNFP Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 19h ago

Pinnacle Financial Partners (PNFP) Refreshes Regional Leadership, Is The Stock Still Undervalued?

Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Pinnacle Financial Partners • 22h ago

Pinnacle, Synovus merger honored as 2026 Deal of the Year

Pinnacle Financial Partners report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Pinnacle Financial Partners Is Finally Ready For An Upgrade (NYSE:PNFP)

Seeking Alpha report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST The Globe and Mail • 1d ago

Pinnacle Financial Partners Posts Strong Post-Merger Quarter

The Globe and Mail report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Pinnacle Financial Partners (PNFP) Stock May Be Undervalued After Strong Q3 Results

Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Is Earnings Beat Altering The Investment Case For Pinnacle Financial Partners Stock (PNFP)?

Yahoo Finance report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Seeking Alpha • 1d ago

Pinnacle Financial Partners, Inc. 2026 Q3 - Results - Earnings Call Presentation (NYSE:PNFP) 2026-10-25

Seeking Alpha report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST The Globe and Mail • 1d ago

Pinnacle Financial Partners (PNFP) Reports Earnings Tomorrow: What To Expect

The Globe and Mail report covering Pinnacle Financial Partners Inc. (PNFP) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PNFP Bull vs. Bear Conversation Board — What's Your Call at $101.66?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PNFP 🐻 33% BEARISH CONVICTION

DE DeepValue_CFA Institutional Buy-Side 🐂 BULLISH 🎯 Target: $120.98 (+19.0%)

📌 Pinned Debate

Balance-sheet and institutional signals are reasonable (Piotroski F 6/9, Debt/Equity 0.5, Whale 13F Flow 15/20), with net income rising

Don't sleep on PNFP's setup in Financials. Balance-sheet and institutional signals are reasonable (Piotroski F 6/9, Debt/Equity 0.5, Whale 13F Flow 15/20), with net income rising to $792.0M in FY 2025.. Beta of 0.92 means it moves fast when momentum turns, and the 5-pillar RQD gauge (60/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

@SkepticalCFA Shorting a 15/20 institutional whale-flow stock at $101.66 is dangerous when funds are rotating into Financials.

SK SkepticalCFA Fundamental Contrarian 🐻 BEARISH 🎯 Target: $80.31 (-21.0%)

Spot @ $101.66

Returns on capital are weak at ROIC 3.6% against a P/E (TTM) of 19.4 and EV/EBITDA of 29.9, and free cash flow fell from $1282.6M in FY

Sitting on the sidelines or leaning short PNFP above $101.66. Returns on capital are weak at ROIC 3.6% against a P/E (TTM) of 19.4 and EV/EBITDA of 29.9, and free cash flow fell from $1282.6M in FY 2023 to $642.9M in FY 2025.. Until Fundamental Cash Engine (8/20) and FCF yield (4.18%) inflect higher, upside is capped near $110.33.