8-K Announcements
6Jan 2, 2026·SEC
Dec 8, 2025·SEC
Dec 1, 2025·SEC
Pinnacle Financial Partners, Inc. (PNFP) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Pinnacle Financial Partners, Inc. (PNFP) stock price & volume — 10-year historical chart
Pinnacle Financial Partners, Inc. (PNFP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Pinnacle Financial Partners, Inc. (PNFP) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $2.39vs $2.30+3.9% | $1.2Bvs $1.2B+2.4% |
| Q1 2026 | Jan 21, 2026 | $2.24vs $2.26-0.9% | $846Mvs $553M+53.1% |
| Q4 2025 | Oct 15, 2025 | $2.27vs $2.04+11.3% | $545Mvs $524M+4.0% |
| Q3 2025 | Jul 15, 2025 | $2.00vs $1.92+4.2% | $505Mvs $496M+1.7% |
Pinnacle Financial Partners, Inc. (PNFP) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Pinnacle Financial Partners, Inc. (PNFP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Pinnacle Financial Partners, Inc. (PNFP) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 324.99M | 543.31M | 736.34M | 766.14M | 821.79M | 932.4M | 1.13B | 1.26B | 1.37B | 1.5B |
NII Growth % | 37.34% | 67.17% | 35.53% | 4.05% | 7.26% | 13.46% | 21.12% | 11.76% | 8.2% | 56.39% |
Net Interest Margin % | 2.9% | 2.45% | 2.94% | 2.76% | 2.35% | 2.42% | 2.69% | 2.63% | 2.6% | 2.69% |
Interest Income | 363.61M | 636.14M | 946.72M | 1.07B | 1.02B | 1.03B | 1.37B | 2.35B | 2.7B | 2.77B |
Interest Expense | 38.62M | 92.83M | 210.38M | 301.79M | 199.25M | 98.81M | 244.64M | 1.09B | 1.33B | 1.26B |
Loan Loss Provision | 18.33M | 23.66M | 34.38M | 27.28M | 203.81M | 16.13M | 67.92M | 93.6M | 120.59M | -221.59M |
Non-Interest Income | 67.5M | 78.81M | 102.82M | 127.35M | 178.08M | 184.81M | 175.36M | 121.27M | 155.67M | 53.15M |
Non-Interest Income % | 15.66% | 11.02% | 9.8% | 10.65% | 14.85% | 15.2% | 11.32% | 4.9% | 5.45% | 1.88% |
Total Revenue | 431.11M▲ 0% | 714.95M▲ 65.8% | 1.05B▲ 46.8% | 1.2B▲ 13.9% | 1.2B▲ 0.3% | 1.22B▲ 1.4% | 1.55B▲ 27.4% | 2.47B▲ 59.7% | 2.85B▲ 15.3% | 2.82B▲ 0% |
Revenue Growth % | 40.26% | 65.84% | 46.8% | 13.89% | 0.32% | 1.41% | 27.41% | 59.73% | 15.32% | 12.66% |
Non-Interest Expense | 182.78M | 300.46M | 354.83M | 368.67M | 424.7M | 449.18M | 539.23M | 575.79M | 819.46M | 1.02B |
Efficiency Ratio | 42.4% | 42.03% | 33.81% | 30.84% | 35.42% | 36.94% | 34.81% | 23.27% | 28.72% | 36.19% |
Operating Income | 191.38M▲ 0% | 297.99M▲ 55.7% | 449.95M▲ 51.0% | 497.54M▲ 10.6% | 371.36M▼ 25.4% | 651.9M▲ 75.5% | 697.49M▲ 7.0% | 714.01M▲ 2.4% | 581.21M▼ 18.6% | 758.22M▲ 0% |
Operating Margin % | 44.39% | 41.68% | 42.87% | 41.62% | 30.97% | 53.61% | 45.02% | 28.85% | 20.37% | 26.87% |
Operating Income Growth % | 33.74% | 55.7% | 51% | 10.58% | -25.36% | 75.55% | 6.99% | 2.37% | -18.6% | - |
Pretax Income | 191.38M▲ 0% | 297.99M▲ 55.7% | 449.95M▲ 51.0% | 497.54M▲ 10.6% | 371.36M▼ 25.4% | 651.9M▲ 75.5% | 697.49M▲ 7.0% | 714.01M▲ 2.4% | 581.21M▼ 18.6% | 758.22M▲ 0% |
Pretax Margin % | 44.39% | 41.68% | 42.87% | 41.62% | 30.97% | 53.61% | 45.02% | 28.85% | 20.37% | 26.87% |
Income Tax | 64.16M | 124.01M | 90.51M | 96.66M | 59.04M | 124.58M | 136.75M | 151.85M | 106.15M | 134.64M |
Effective Tax Rate % | 33.52% | 41.62% | 20.12% | 19.43% | 15.9% | 19.11% | 19.61% | 21.27% | 18.26% | 17.76% |
Net Income | 127.22M▲ 0% | 173.98M▲ 36.7% | 359.44M▲ 106.6% | 400.88M▲ 11.5% | 312.32M▼ 22.1% | 527.32M▲ 68.8% | 560.74M▲ 6.3% | 562.15M▲ 0.3% | 475.06M▼ 15.5% | 623.57M▲ 0% |
Net Margin % | 29.51% | 24.33% | 34.25% | 33.54% | 26.05% | 43.36% | 36.19% | 22.72% | 16.65% | 22.1% |
Net Income Growth % | 33.21% | 36.75% | 106.6% | 11.53% | -22.09% | 68.84% | 6.34% | 0.25% | -15.49% | 48.9% |
Net Income (Continuing) | 127.22M | 173.98M | 359.44M | 400.88M | 312.32M | 527.32M | 560.74M | 562.15M | 475.06M | 623.57M |
EPS (Diluted) | 2.91▲ 0% | 2.70▼ 7.2% | 4.64▲ 71.9% | 5.22▲ 12.5% | 4.03▼ 22.8% | 6.75▲ 67.5% | 7.17▲ 6.2% | 7.14▼ 0.4% | 5.96▼ 16.5% | 8.07▲ 0% |
EPS Growth % | 15.48% | -7.22% | 71.85% | 12.5% | -22.8% | 67.49% | 6.22% | -0.42% | -16.53% | 49.62% |
EPS (Basic) | 2.96 | 2.73 | 4.66 | 5.25 | 4.04 | 6.79 | 7.20 | 7.20 | 6.01 | - |
Diluted Shares Outstanding | 43.73M | 64.33M | 77.45M | 76.76M | 75.65M | 75.93M | 76.13M | 76.65M | 77.13M | 77.31M |
Pinnacle Financial Partners, Inc. (PNFP) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 1.48B | 3.17B | 3.74B | 3.91B | 7.31B | 8.93B | 4.7B | 6.46B | 8.92B | 34.25B |
Cash & Due from Banks | 182.26M | 652.73M | 654.35M | 368.69M | 3.73B | 4.02B | 1.15B | 2.14B | 3.34B | 3.27B |
Short Term Investments | 1.3B | 2.52B | 3.08B | 3.54B | 3.59B | 4.91B | 3.56B | 4.32B | 5.58B | 6.41B |
Total Investments | 9.99B | 18.45B | 21.19B | 23.8B | 27.18B | 29.65B | 35.89B | 40.21B | 44.08B | 9.06B |
Investments Growth % | 31.78% | 84.7% | 14.84% | 12.31% | 14.21% | 9.06% | 21.05% | 12.04% | 9.65% | -49.49% |
Long-Term Investments | 8.69B | 15.94B | 18.11B | 20.26B | 23.6B | 24.73B | 32.33B | 35.89B | 38.5B | 123.03B |
Accounts Receivables | 28.23M | 57.44M | 79.66M | 84.46M | 104.08M | 98.81M | 161.18M | 217.49M | 214.08M | 218.65M |
Goodwill & Intangibles | 566.7M | 1.86B | 1.85B | 1.87B | 1.86B | 1.85B | 1.88B | 1.87B | 1.87B | 1.87B |
Goodwill | 551.59M | 1.81B | 1.81B | 1.82B | 1.82B | 1.82B | 1.85B | 1.85B | 1.85B | 1.85B |
Intangible Assets | 15.1M | 56.71M | 46.16M | 51.13M | 42.34M | 33.82M | 34.55M | 27.46M | 21.42M | 18.11M |
PP&E (Net) | 88.9M | 266.01M | 265.56M | 273.93M | 290M | 288.18M | 327.88M | 256.88M | 311.28M | 337.55M |
Other Assets | 338.12M | 912.03M | 986.86M | 1.41B | 1.77B | 2.56B | 2.57B | 3.26B | 2.77B | 3.07B |
Total Current Assets | 1.51B | 3.23B | 3.82B | 3.99B | 7.42B | 9.03B | 4.87B | 6.68B | 9.14B | 9.9B |
Total Non-Current Assets | 9.69B | 18.98B | 21.21B | 23.81B | 27.52B | 29.44B | 37.1B | 41.28B | 43.45B | 7.92B |
Total Assets | 11.19B▲ 0% | 22.21B▲ 98.4% | 25.03B▲ 12.7% | 27.81B▲ 11.1% | 34.93B▲ 25.6% | 38.47B▲ 10.1% | 41.97B▲ 9.1% | 47.96B▲ 14.3% | 52.59B▲ 9.7% | 55.96B▲ 0% |
Asset Growth % | 28.46% | 98.36% | 12.72% | 11.08% | 25.63% | 10.12% | 9.1% | 14.27% | 9.65% | 42% |
Return on Assets (ROA) | 1.28% | 1.04% | 1.52% | 1.52% | 1% | 1.44% | 1.39% | 1.25% | 0.94% | 1.15% |
Accounts Payable | 5.57M | 10.48M | 23.59M | 42.18M | 24.93M | 12.5M | 19.48M | 66.97M | 55.62M | 48.48M |
Total Debt | 842.78M | 1.92B | 2.03B | 2.94B | 1.89B | 1.46B | 1.08B | 2.77B | 2.53B | 2.53B |
Net Debt | 660.52M | 1.27B | 1.38B | 2.57B | -1.84B | -2.55B | -62.53M | 629.12M | -812.08M | -736.55M |
Long-Term Debt | 757.07M | 1.79B | 1.93B | 2.81B | 1.76B | 1.31B | 888.49M | 2.56B | 2.3B | 2.2B |
Short-Term Debt | 85.71M | 135.26M | 104.74M | 126.35M | 128.16M | 152.56M | 194.91M | 209.49M | 230.24M | 325.57M |
Other Liabilities | 90.27M | 114.89M | 158.95M | 288.57M | 411.07M | 377.34M | 386.51M | 544.72M | 728.76M | 802.69M |
Total Current Liabilities | 8.85B | 16.6B | 18.98B | 20.35B | 27.86B | 31.47B | 35.18B | 38.82B | 43.13B | 48.48M |
Total Non-Current Liabilities | 847.34M | 1.9B | 2.09B | 3.1B | 2.17B | 1.69B | 1.28B | 3.11B | 3.03B | 3.01B |
Total Liabilities | 9.7B | 18.5B | 21.07B | 23.45B | 30.03B | 33.16B | 36.45B | 41.92B | 46.16B | 49.11B |
Total Equity | 1.5B▲ 0% | 3.71B▲ 147.7% | 3.97B▲ 7.0% | 4.36B▲ 9.8% | 4.9B▲ 12.6% | 5.31B▲ 8.3% | 5.52B▲ 3.9% | 6.04B▲ 9.4% | 6.43B▲ 6.6% | 6.86B▲ 0% |
Equity Growth % | 29.52% | 147.74% | 6.96% | 9.83% | 12.6% | 8.28% | 3.93% | 9.36% | 6.56% | 29.32% |
Equity / Assets (Capital Ratio) | 13.37% | 16.7% | 15.84% | 15.67% | 14.04% | 13.8% | 13.15% | 12.59% | 12.23% | 12.25% |
Return on Equity (ROE) | 9.59% | 6.69% | 9.37% | 9.63% | 6.75% | 10.32% | 10.36% | 9.73% | 7.62% | 9.42% |
Book Value per Share | 34.22 | 57.64 | 51.21 | 56.74 | 64.83 | 69.94 | 72.50 | 78.75 | 83.39 | 88.68 |
Tangible BV per Share | 21.27 | 28.65 | 27.28 | 32.37 | 40.22 | 45.53 | 47.78 | 54.29 | 59.14 | 64.53 |
Common Stock | 46.36M | 77.74M | 77.48M | 76.56M | 75.85M | 76.14M | 76.45M | 76.77M | 77.24M | 77.56M |
Additional Paid-in Capital | 1.08B | 3.12B | 3.11B | 3.06B | 3.03B | 3.05B | 3.07B | 3.11B | 3.13B | 3.14B |
Retained Earnings | 381.07M | 519.14M | 833.13M | 1.18B | 1.41B | 1.86B | 2.34B | 2.78B | 3.18B | 3.58B |
Accumulated OCI | -14.23M | -4.24M | -52.1M | 30.53M | 175.85M | 107.19M | -190.76M | -152.53M | -167.94M | -159.77M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 217.13M | 217.13M | 217.13M | 217.13M | 217.13M | 217.13M |
Pinnacle Financial Partners, Inc. (PNFP) cash flow — operating, investing & free cash flow history
| Metric | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 152.32M | 165.86M | 470.76M | 431.5M | 426.75M | 657.44M | 604.92M | 478.4M | 904.31M | 1.14B |
Operating CF Growth % | 80.03% | 8.89% | 183.82% | -8.34% | -1.1% | 54.06% | -7.99% | -20.92% | 89.03% | 693.27% |
Net Income | 127.22M | 173.98M | 359.44M | 400.88M | 312.32M | 527.32M | 560.74M | 562.15M | 475.06M | 623.57M |
Depreciation & Amortization | 186K | -23.62M | -23.6M | 8.34M | 45.2M | 53.26M | 62.3M | 78.7M | 98.58M | 141.32M |
Deferred Taxes | 14.39M | 59.65M | 11.77M | 14.7M | -58.31M | -12.23M | 19.74M | 72.37M | -19.35M | -32.9M |
Other Non-Cash Items | 621K | -8.96M | 69.37M | -35.41M | 196.86M | 50.93M | 31.65M | -21.79M | 148.11M | 158.17M |
Working Capital Changes | -1.08M | -54.72M | 36.15M | 21.77M | -88.05M | 13.21M | -109.06M | -254.91M | 160.97M | 211.25M |
Cash from Investing | -1.28B | -2.12B | -2.97B | -2.62B | -3.57B | -3.61B | -6.68B | -4.6B | -3.67B | -5.12B |
Purchase of Investments | -685.5M | -1.3B | -1.37B | -1.62B | -1.48B | -2.38B | -1.85B | -1.21B | -2.75B | -602.12M |
Sale/Maturity of Investments | 359.83M | 691.25M | 499.2M | 1.12B | 671.12M | 794.66M | 521.62M | 495.46M | 1.41B | 274.13M |
Net Investment Activity | -325.66M | -607.27M | -872.44M | -500.55M | -811.27M | -1.58B | -1.33B | -712.34M | -1.34B | -327.99M |
Acquisitions | 17.61M | 155.14M | 0 | -44.59M | 0 | 0 | -30.9M | 0 | 0 | 0 |
Other Investing | -953.97M | -1.61B | -2.07B | -2.03B | -2.72B | -2.01B | -5.26B | -3.81B | -2.24B | -4.77B |
Cash from Financing | 989.46M | 2.55B | 2.44B | 1.99B | 6.58B | 3.1B | 3.16B | 5.18B | 3.97B | 4.41B |
Dividends Paid | -24.73M | -35.91M | -45.45M | -49.83M | -56.98M | -70.7M | -83.39M | -83.93M | -84.21M | -89.05M |
Share Repurchases | 0 | 0 | -20.69M | -61.42M | -53.28M | -3.79M | -5.46M | -3.73M | -14.43M | -21.16M |
Stock Issued | 0 | 192.19M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 192.19M | -20.69M | -61.42M | -53.28M | -3.79M | -5.46M | -3.73M | -14.43M | -21.16M |
Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | -1.13M |
Other Financing | 845.12M | 1.48B | 2.36B | 1.35B | 7.52B | 3.62B | 3.7B | 3.59B | 4.32B | 4.82B |
Net Change in Cash | -137.31M▲ 0% | 595.95M▲ 534.0% | -57.9M▼ 109.7% | -194.99M▼ 236.7% | 3.43B▲ 1861.5% | 140.09M▼ 95.9% | -2.92B▼ 2187.3% | 1.05B▲ 136.0% | 1.21B▲ 14.5% | 432.45M▲ 0% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 320.95M | 183.65M | 779.6M | 721.69M | 526.71M | 3.96B | 4.1B | 1.18B | 2.23B | 2.99B |
Cash at End | 183.65M | 779.6M | 721.69M | 526.71M | 3.96B | 4.1B | 1.18B | 2.23B | 3.44B | 3.27B |
Interest Paid | 37M | 91.63M | 199.46M | 287.27M | 215.89M | 110.12M | 236.46M | 1.04B | 1.34B | 648.89M |
Income Taxes Paid | 49.5M | 81.54M | 55.63M | 86.96M | 110.8M | 108.3M | 128.85M | 99.89M | 30.76M | 17.4M |
Free Cash Flow | 135.26M▲ 0% | 112.36M▼ 16.9% | 447.02M▲ 297.8% | 389.35M▼ 12.9% | 386.99M▼ 0.6% | 634.27M▲ 63.9% | 540.58M▼ 14.8% | 400.15M▼ 26.0% | 807.29M▲ 101.7% | 1.12B▲ 0% |
FCF Growth % | 83.44% | -16.93% | 297.83% | -12.9% | -0.6% | 63.9% | -14.77% | -25.98% | 101.75% | 162.18% |
Pinnacle Financial Partners, Inc. (PNFP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 9.59% | 6.69% | 9.37% | 9.63% | 6.75% | 10.32% | 10.36% | 9.73% | 7.62% | 9.42% |
Return on Assets (ROA) | 1.28% | 1.04% | 1.52% | 1.52% | 1% | 1.44% | 1.39% | 1.25% | 0.94% | 1.15% |
Net Interest Margin | 2.9% | 2.45% | 2.94% | 2.76% | 2.35% | 2.42% | 2.69% | 2.63% | 2.6% | 2.69% |
Efficiency Ratio | 42.4% | 42.03% | 33.81% | 30.84% | 35.42% | 36.94% | 34.81% | 23.27% | 28.72% | 36.19% |
Equity / Assets | 13.37% | 16.7% | 15.84% | 15.67% | 14.04% | 13.8% | 13.15% | 12.59% | 12.23% | 12.25% |
Book Value / Share | 34.22 | 57.64 | 51.21 | 56.74 | 64.83 | 69.94 | 72.5 | 78.75 | 83.39 | 88.68 |
NII Growth | 37.34% | 67.17% | 35.53% | 4.05% | 7.26% | 13.46% | 21.12% | 11.76% | 8.2% | 14.07% |
Dividend Payout | 19.43% | 20.64% | 12.65% | 12.43% | 15.81% | 10.53% | 12.16% | 12.23% | 14.53% | 11.84% |
Pinnacle Financial Partners, Inc. (PNFP) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jan 2, 2026·SEC
Dec 8, 2025·SEC
Dec 1, 2025·SEC
Feb 25, 2025·SEC
Pinnacle Financial Partners, Inc. (PNFP) stock FAQ — growth, dividends, profitability & financials explained
Pinnacle Financial Partners, Inc. (PNFP) grew revenue by 15.3% over the past year. This is strong growth.
Yes, Pinnacle Financial Partners, Inc. (PNFP) is profitable, generating $623.6M in net income for fiscal year 2024 (16.6% net margin).
Yes, Pinnacle Financial Partners, Inc. (PNFP) pays a dividend with a yield of 0.93%. This makes it attractive for income-focused investors.
Pinnacle Financial Partners, Inc. (PNFP) has a return on equity (ROE) of 7.6%. This is below average, suggesting room for improvement.
Pinnacle Financial Partners, Inc. (PNFP) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.
Pinnacle Financial Partners, Inc. (PNFP) has an efficiency ratio of 28.7%. This is excellent, indicating strong cost control.