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Pinnacle Financial Partners, Inc.(PNFP)Earnings, Financials & Key Ratios
PNFP•NASDAQ•Banking & Credit
$99.67
$7.66B mkt cap·16.7× P/E·Price updated May 6, 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%
- Tangible BV/Share59.14+8.9%
- Debt/Equity0.39-14.4%
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.
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
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 22, 2026EPS
$2.39
Est $2.30
+3.9%
Revenue
$1.8B
Est $1.2B
+49.5%
Q1 2026
Jan 21, 2026EPS
$2.24
Est $2.26
-0.9%
Revenue
$846M
Est $553M
+53.1%
Q4 2025
Oct 15, 2025EPS
$2.27
Est $2.04
+11.3%
Revenue
$545M
Est $524M
+4.0%
Q3 2025
Jul 15, 2025EPS
$2.00
Est $1.92
+4.2%
Revenue
$505M
Est $496M
+1.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $2.39vs $2.30+3.9% | $1.8Bvs $1.2B+49.5% |
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 IBCP | 696.01M | 33.81 | 10.34 | -0.3% | 14.2% | 0.23 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 HOMB | 5.32B | 27.03 | 13.45 | 9.47% | 10.86% | 0.30 | ||
 AVBH | 258.98M | 29.76 | 9.57 | -3.81% | 10.04% | 0.08 | ||
 COLB | 7.19B | 30.20 | 13.13 | 8.35% | 8.39% | 0.51 | ||
 SNV | 6.95B | 50.05 | 16.52 | 1.16% | 13.7% | 0.35 | ||
 CBSH | 7.71B | 52.53 | 12.87 | 2.23% | 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.
PNFP Income Statement
Pinnacle Financial Partners, Inc. (PNFP) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | 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 |
PNFP Balance Sheet
Pinnacle Financial Partners, Inc. (PNFP) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 |
PNFP Cash Flow Statement
Pinnacle Financial Partners, Inc. (PNFP) cash flow — operating, investing & free cash flow history
| Line item | 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 | 904.31M |
| 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% |
PNFP Banking Ratios
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% |
PNFP SEC Filings & Documents
Pinnacle Financial Partners, Inc. (PNFP) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 0.90%. 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.
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