MEDIUM confidence: 100% data completeness, but the composite (58) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Avg target $118 (last qtr, 5 analysts) → $118 (last mo, 3) (+0.1%).
Buy-rated share 74% → 75% over ~3 months (+1pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | $2.46 | $2.50 | +1.6% |
| Apr 2026 | $2.32 | $2.39 | +3.0% |
| Jan 2026 | $2.26 | $2.24 | -0.9% |
| Oct 2025 | $2.04 | $2.27 | +11.3% |
| Jul 2025 | $1.92 | $2.00 | +4.2% |
| Apr 2025 | $1.80 | $1.90 | +5.6% |
| Jan 2025 | $1.80 | $1.90 | +5.6% |
| Oct 2024 | $1.77 | $1.86 | +5.1% |
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $1.2B— | $1.5B+27.4% | $2.5B+59.7% | $2.9B+15.3% | $2.9B+2.4% |
| EPS (dil.) | $6.75— | $7.17+6.2% | $7.14-0.4% | $5.96-16.5% | $8.09+35.7% |
| Free Cash Flow | $634M— | $541M-14.8% | $400M-26.0% | $807M+101.7% | $665M-17.6% |
| Gross Margin | 90.5% | 79.8%-10.7pp | 52.1%-27.7pp | 49.1%-3.0pp | 65.9%+16.8pp |
| Operating Margin | 53.6% | 45.0%-8.6pp | 28.9%-16.2pp | 20.4%-8.5pp | 26.7%+6.3pp |
| Net Margin | 43.4% | 36.2%-7.2pp | 22.7%-13.5pp | 16.6%-6.1pp | 22.0%+5.3pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
No recent open-market insider transactions.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-26.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth below the analyst consensus of 34.9%/yr (revenue basis).
Base free cash flow $624M (avg FY2023–FY2025; latest year $665M) · equity value $16.2B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
PNFP's QScore of 58 indicates a relatively neutral outlook, with the short-term score slightly outpacing the long-term score. The stock scores high on momentum, with a 12-month return of 15.1% and a bullish 50-day versus 200-day moving average crossover. However, its profitability score is dragged down by a relatively low ROE of 7.6%. The stock trades at a reasonable valuation, with a P/E of 13.1 and P/B of 1.1, which supports its value score.