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PNFPPinnacle Financial Partners, Inc.
$96.12$7.4B
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PNFP logoPinnacle Financial Partners, Inc.(PNFP)Earnings, Financials & Key Ratios

PNFP•NASDAQ•Banking & Credit
16.1× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance agency services primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.Show more
  • Net Interest Income$1.37B+8.2%
  • Total Revenue$2.85B+15.3%
  • Net Income$475M-15.5%
  • Return on Equity7.62%-21.7%
  • Net Interest Margin2.6%-1.3%
  • Efficiency Ratio28.72%+23.4%
  • ROA0.94%-24.4%
  • Equity / Assets12.23%-2.8%
  • Book Value per Share83.39+5.9%

PNFP Key Insights

Pinnacle Financial Partners, Inc. (PNFP) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 28.7% efficiency ratio
  • ✓Well capitalized: 12.2% equity/assets
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PNFP Price & Volume

Pinnacle Financial Partners, Inc. (PNFP) stock price & volume — 10-year historical chart

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PNFP Growth Metrics

Pinnacle Financial Partners, Inc. (PNFP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years27.61%
5 Years19.01%
3 Years32.89%
TTM-

Profit CAGR

10 Years21.02%
5 Years3.45%
3 Years-3.42%
TTM48.9%

EPS CAGR

10 Years11.48%
5 Years2.69%
3 Years-4.06%
TTM49.62%

Return on Capital

10 Years8.2%
5 Years7.94%
3 Years8.44%
Last Year6.25%

PNFP Recent Earnings

Pinnacle Financial Partners, Inc. (PNFP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$2.39+3.9%
$2.30
Rev
$1.2B+2.4%
$1.2B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$2.24-0.9%
$2.26
Rev
$846M+53.1%
$553M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$2.27+11.3%
$2.04
Rev
$545M+4.0%
$524M
Q3 2025
Jul 15, 2025
Metric
Actual
Est
EPS
$2.00+4.2%
$1.92
Rev
$505M+1.7%
$496M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$2.39vs $2.30+3.9%
$1.2Bvs $1.2B+2.4%
Q1 2026Jan 21, 2026
$2.24vs $2.26-0.9%
$846Mvs $553M+53.1%
Q4 2025Oct 15, 2025
$2.27vs $2.04+11.3%
$545Mvs $524M+4.0%
Q3 2025Jul 15, 2025
$2.00vs $1.92+4.2%
$505Mvs $496M+1.7%
Based on last 12 quarters of dataView full earnings history →

PNFP Peer Comparison

Pinnacle Financial Partners, Inc. (PNFP) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.7B32.7818.5211.71%30.71%14.16%0.01
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
AVBH logoAVBHAvidbank Holdings, Inc.Direct Competitor278.13M31.9610.28-3.81%32.32%10.04%0.08
COLB logoCOLBColumbia Banking System, Inc.Direct Competitor7.27B30.5513.288.35%17.11%8.39%0.51
SNV logoSNVSynovus Financial Corp.Product Competitor6.95B50.0516.521.16%24.05%14.45%0.35
CBSH logoCBSHCommerce Bancshares, Inc.Product Competitor8.04B54.7313.412.23%26.47%15.34%0.79

Compare PNFP vs Peers

Pinnacle Financial Partners, Inc. (PNFP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for PNFP.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PNFP against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, IBCP, FFIN, HOMB

PNFP Income Statement

Pinnacle Financial Partners, Inc. (PNFP) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income
324.99M543.31M736.34M766.14M821.79M932.4M1.13B1.26B1.37B1.5B
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
363.61M636.14M946.72M1.07B1.02B1.03B1.37B2.35B2.7B2.77B
Interest Expense
38.62M92.83M210.38M301.79M199.25M98.81M244.64M1.09B1.33B1.26B
Loan Loss Provision
18.33M23.66M34.38M27.28M203.81M16.13M67.92M93.6M120.59M-221.59M
Non-Interest Income
67.5M78.81M102.82M127.35M178.08M184.81M175.36M121.27M155.67M53.15M
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
182.78M300.46M354.83M368.67M424.7M449.18M539.23M575.79M819.46M1.02B
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
64.16M124.01M90.51M96.66M59.04M124.58M136.75M151.85M106.15M134.64M
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)
127.22M173.98M359.44M400.88M312.32M527.32M560.74M562.15M475.06M623.57M
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)
2.962.734.665.254.046.797.207.206.01-
Diluted Shares Outstanding
43.73M64.33M77.45M76.76M75.65M75.93M76.13M76.65M77.13M77.31M

PNFP Balance Sheet

Pinnacle Financial Partners, Inc. (PNFP) balance sheet — assets, liabilities & shareholders' equity

MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments
1.48B3.17B3.74B3.91B7.31B8.93B4.7B6.46B8.92B34.25B
Cash & Due from Banks
182.26M652.73M654.35M368.69M3.73B4.02B1.15B2.14B3.34B3.27B
Short Term Investments
1.3B2.52B3.08B3.54B3.59B4.91B3.56B4.32B5.58B6.41B
Total Investments
9.99B18.45B21.19B23.8B27.18B29.65B35.89B40.21B44.08B9.06B
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
8.69B15.94B18.11B20.26B23.6B24.73B32.33B35.89B38.5B123.03B
Accounts Receivables
28.23M57.44M79.66M84.46M104.08M98.81M161.18M217.49M214.08M218.65M
Goodwill & Intangibles
566.7M1.86B1.85B1.87B1.86B1.85B1.88B1.87B1.87B1.87B
Goodwill
551.59M1.81B1.81B1.82B1.82B1.82B1.85B1.85B1.85B1.85B
Intangible Assets
15.1M56.71M46.16M51.13M42.34M33.82M34.55M27.46M21.42M18.11M
PP&E (Net)
88.9M266.01M265.56M273.93M290M288.18M327.88M256.88M311.28M337.55M
Other Assets
338.12M912.03M986.86M1.41B1.77B2.56B2.57B3.26B2.77B3.07B
Total Current Assets
1.51B3.23B3.82B3.99B7.42B9.03B4.87B6.68B9.14B9.9B
Total Non-Current Assets
9.69B18.98B21.21B23.81B27.52B29.44B37.1B41.28B43.45B7.92B
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
5.57M10.48M23.59M42.18M24.93M12.5M19.48M66.97M55.62M48.48M
Total Debt
842.78M1.92B2.03B2.94B1.89B1.46B1.08B2.77B2.53B2.53B
Net Debt
660.52M1.27B1.38B2.57B-1.84B-2.55B-62.53M629.12M-812.08M-736.55M
Long-Term Debt
757.07M1.79B1.93B2.81B1.76B1.31B888.49M2.56B2.3B2.2B
Short-Term Debt
85.71M135.26M104.74M126.35M128.16M152.56M194.91M209.49M230.24M325.57M
Other Liabilities
90.27M114.89M158.95M288.57M411.07M377.34M386.51M544.72M728.76M802.69M
Total Current Liabilities
8.85B16.6B18.98B20.35B27.86B31.47B35.18B38.82B43.13B48.48M
Total Non-Current Liabilities
847.34M1.9B2.09B3.1B2.17B1.69B1.28B3.11B3.03B3.01B
Total Liabilities
9.7B18.5B21.07B23.45B30.03B33.16B36.45B41.92B46.16B49.11B
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
34.2257.6451.2156.7464.8369.9472.5078.7583.3988.68
Tangible BV per Share
21.2728.6527.2832.3740.2245.5347.7854.2959.1464.53
Common Stock
46.36M77.74M77.48M76.56M75.85M76.14M76.45M76.77M77.24M77.56M
Additional Paid-in Capital
1.08B3.12B3.11B3.06B3.03B3.05B3.07B3.11B3.13B3.14B
Retained Earnings
381.07M519.14M833.13M1.18B1.41B1.86B2.34B2.78B3.18B3.58B
Accumulated OCI
-14.23M-4.24M-52.1M30.53M175.85M107.19M-190.76M-152.53M-167.94M-159.77M
Treasury Stock
0000000000
Preferred Stock
0000217.13M217.13M217.13M217.13M217.13M217.13M

PNFP Cash Flow Statement

Pinnacle Financial Partners, Inc. (PNFP) cash flow — operating, investing & free cash flow history

MetricDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations
152.32M165.86M470.76M431.5M426.75M657.44M604.92M478.4M904.31M1.14B
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
127.22M173.98M359.44M400.88M312.32M527.32M560.74M562.15M475.06M623.57M
Depreciation & Amortization
186K-23.62M-23.6M8.34M45.2M53.26M62.3M78.7M98.58M141.32M
Deferred Taxes
14.39M59.65M11.77M14.7M-58.31M-12.23M19.74M72.37M-19.35M-32.9M
Other Non-Cash Items
621K-8.96M69.37M-35.41M196.86M50.93M31.65M-21.79M148.11M158.17M
Working Capital Changes
-1.08M-54.72M36.15M21.77M-88.05M13.21M-109.06M-254.91M160.97M211.25M
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
359.83M691.25M499.2M1.12B671.12M794.66M521.62M495.46M1.41B274.13M
Net Investment Activity
-325.66M-607.27M-872.44M-500.55M-811.27M-1.58B-1.33B-712.34M-1.34B-327.99M
Acquisitions
17.61M155.14M0-44.59M00-30.9M000
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
989.46M2.55B2.44B1.99B6.58B3.1B3.16B5.18B3.97B4.41B
Dividends Paid
-24.73M-35.91M-45.45M-49.83M-56.98M-70.7M-83.39M-83.93M-84.21M-89.05M
Share Repurchases
00-20.69M-61.42M-53.28M-3.79M-5.46M-3.73M-14.43M-21.16M
Stock Issued
0192.19M00000000
Net Stock Activity
0192.19M-20.69M-61.42M-53.28M-3.79M-5.46M-3.73M-14.43M-21.16M
Debt Issuance (Net)
1000K1000K1000K1000K-1000K-1000K-1000K1000K-1000K-1.13M
Other Financing
845.12M1.48B2.36B1.35B7.52B3.62B3.7B3.59B4.32B4.82B
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
0000000000
Cash at Beginning
320.95M183.65M779.6M721.69M526.71M3.96B4.1B1.18B2.23B2.99B
Cash at End
183.65M779.6M721.69M526.71M3.96B4.1B1.18B2.23B3.44B3.27B
Interest Paid
37M91.63M199.46M287.27M215.89M110.12M236.46M1.04B1.34B648.89M
Income Taxes Paid
49.5M81.54M55.63M86.96M110.8M108.3M128.85M99.89M30.76M17.4M
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%

PNFP Banking Ratios

Pinnacle Financial Partners, Inc. (PNFP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
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
34.2257.6451.2156.7464.8369.9472.578.7583.3988.68
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%
Related:PNFP Dividend History·PNFP Revenue History·PNFP Price History·PNFP P/E History·PNFP Financial Ratios·PNFP Institutional Holders

PNFP SEC Filings & Documents

Pinnacle Financial Partners, Inc. (PNFP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jan 2, 2026·SEC

Material company update

Dec 8, 2025·SEC

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PNFP Frequently Asked Questions

Pinnacle Financial Partners, Inc. (PNFP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

What if you invested $1,000 in PNFP back in 2000?

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How much would $100/month in PNFP be worth today?

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