Pinnacle Financial Partners, Inc. (PNFP) Earnings History
Profitable25 years of earnings data (2000–2024) · Positive TTM net income
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Pinnacle Financial Partners, Inc. (PNFP) Earnings Overview
As of June 21, 2026, Pinnacle Financial Partners, Inc. (PNFP) reported trailing twelve-month net income of $624M, reflecting -16.5% year-over-year growth. The company earned $8.07 per diluted share over the past four quarters, with a net profit margin of 16.6%.
Looking at the long-term picture, PNFP's 5-year EPS compound annual growth rate (CAGR) stands at +2.7%, reflecting modest earnings expansion. The company achieved its highest annual net income of $562M in fiscal 2023.
Pinnacle Financial Partners, Inc. maintains industry-leading profitability with a gross margin of 49.1%, operating margin of 20.4%, and net margin of 16.6%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SFNC (-$398M net income, -63.4% margin), IBCP ($69M net income, 21.7% margin), FFIN ($254M net income, 30.7% margin), PNFP has outperformed on profitability metrics. Compare PNFP vs SFNC →
PNFP Earnings vs Peers
Earnings metrics vs comparable public companies
PNFP Historical Earnings Data (2000–2024)
25 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $475M | -15.5% | $581M | $5.96 | 16.6% | 20.4% |
| 2023 | $562M | +0.3% | $714M | $7.14 | 22.7% | 28.9% |
| 2022 | $561M | +6.3% | $697M | $7.17 | 36.2% | 45.0% |
| 2021 | $527M | +68.8% | $652M | $6.75 | 43.4% | 53.6% |
| 2020 | $312M | -22.1% | $371M | $4.03 | 26.0% | 31.0% |
| 2019 | $401M | +11.5% | $498M | $5.22 | 33.5% | 41.6% |
| 2018 | $359M | +106.6% | $450M | $4.64 | 34.2% | 42.9% |
| 2017 | $174M | +36.7% | $298M | $2.70 | 24.3% | 41.7% |
| 2016 | $127M | +33.2% | $191M | $2.91 | 29.5% | 44.4% |
| 2015 | $96M | +35.5% | $143M | $2.52 | 31.1% | 46.6% |
| 2014 | $70M | +22.1% | $106M | $2.01 | 28.3% | 42.4% |
| 2013 | $58M | +37.8% | $86M | $1.67 | 25.1% | 37.3% |
| 2012 | $42M | -4.2% | $63M | $1.10 | 19.1% | 28.5% |
| 2011 | $44M | +280.0% | $29M | $1.09 | 20.4% | 13.3% |
| 2010 | -$24M | +31.5% | -$20M | $-0.93 | -10.1% | -8.3% |
| 2009 | -$36M | -215.0% | -$65M | $-1.46 | -14.5% | -26.4% |
| 2008 | $31M | +34.0% | $43M | $1.27 | 12.8% | 18.0% |
| 2007 | $23M | +28.5% | $33M | $1.34 | 13.3% | 19.0% |
| 2006 | $18M | +122.6% | $26M | $1.18 | 14.3% | 21.0% |
| 2005 | $8M | +51.4% | $11M | $0.85 | 15.6% | 21.8% |
| 2004 | $5M | +108.2% | $7M | $0.61 | 16.3% | 22.9% |
| 2003 | $3M | +294.2% | $4M | $0.32 | 11.9% | 18.5% |
| 2002 | $648,060 | +157.0% | $1M | $0.11 | 4.5% | 7.0% |
| 2001 | -$1M | +49.6% | $0 | $-0.28 | -15.3% | 0.0% |
| 2000 | -$2M | - | $0 | $-0.59 | -362.9% | 0.0% |
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PNFP — Frequently Asked Questions
Quick answers to the most common questions about buying PNFP stock.
What is PNFP earnings per share (EPS)?
PNFP trailing twelve-month (TTM) diluted EPS is $8.07, reflecting -16.5% year-over-year growth. The 5-year EPS CAGR is +2.7%. Complete EPS history from 2000 to 2024 is available in the table on this page.
What is Pinnacle Financial Partners, Inc.'s net income?
Pinnacle Financial Partners, Inc. (PNFP) trailing twelve-month net income is $624M as of 2024. Earnings declined -16.5% year-over-year. Pinnacle Financial Partners, Inc. has been profitable for 14 consecutive years.
Is PNFP profitable?
Yes, PNFP is profitable with a TTM net income of $624M and a net profit margin of +16.6%. Pinnacle Financial Partners, Inc. has generated profits for 14 consecutive years.
What is PNFP's earnings growth rate?
PNFP compound annual EPS growth rates (CAGR): 1-Year: -16.5%, 3-Year: -4.1%, 5-Year: +2.7%, 10-Year: +11.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2000 to 2024.
What are PNFP's profit margins?
Pinnacle Financial Partners, Inc. net profit margin is +16.6%, operating margin is +20.4%, and gross margin is +49.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +7.6%.
Is PNFP growing earnings?
PNFP earnings are declining — EPS fell -16.5% year-over-year. TTM net income dropped to $624M. This contrasts with the 5-year CAGR of +2.7%.
What was PNFP's best earnings year?
Pinnacle Financial Partners, Inc.'s highest annual net income on record is $562M, achieved in fiscal year 2023. Earnings history on this page spans 2000 to 2024 and includes all annual and quarterly figures.
What were PNFP's earnings last quarter?
PNFP's most recent reported quarter was Q3 2025. Net income was $173M with diluted EPS of $2.19. For a full breakdown of all quarters, see the quarterly earnings table on this page.