$PNFP shares climbed 2% on July 23, 2025, following Q2 earnings that highlighted a 5% rise in commercial banking revenue to $0.9 billion, beating forecasts of $0.86 billion. The bank’s EPS of $1.15, up 7% year-over-year, exceeded estimates, supported by a 3% loan growth to $28.5 billion, focused on real estate and small businesses.
Net interest margin held at 3.4%, but deposit costs rose slightly, aligning with industry pressures on bank profitability. $PNFP’s asset quality remained strong, with a 0.7% non-performing loan ratio, better than peers like $SNV.
The stock, up 10% year-to-date, trades at a forward P/E of 13, in line with regional banks. Analysts rate $PNFP a “buy,” with a $45 target. $AAPL’s regional banking ties for payment processing indirectly link $PNFP to Consumer Tech.
Investors should monitor Q3 for commercial loan demand trends, as tariff policies could impact small business lending. $PNFP’s $300 million buyback program and steady growth make it a compelling choice for investors targeting resilient bank stocks in a volatile market.
