Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.87 | 9.75 | 12.18 | 12.38 | 11.20 | 10.71 | 13.80 | 14.98 | 14.97 | 13.17 | 31.27 | 13.68 | 18.32 | 9.92 | 5.58 | 7.84 | 10.43 | 10.62 | 9.72 | 13.95 | 13.96 |
| — | -8.9% | -11.7% | -17.4% | -25.2% | -18.7% | -55.9% | +9.5% | -18.3% | +32.8% | +460.7% | +74.5% | +75.7% | -6.6% | -42.6% | -43.8% | -25.3% | -21.0% | -25.6% | +1.3% | +23.1% | |
| P/S Ratio | 3.64 | 2.71 | 3.47 | 1.38 | 3.42 | 3.33 | 4.22 | 5.01 | 5.21 | 4.61 | 4.83 | 4.38 | 5.13 | 3.65 | 3.06 | 2.93 | 3.92 | 4.43 | 4.41 | 6.05 | 6.35 |
| — | -18.7% | -17.9% | -72.5% | -34.3% | -27.8% | -12.6% | +14.2% | +1.5% | +26.2% | +58.1% | +49.8% | +31.1% | -17.6% | -30.7% | -51.7% | -38.3% | -28.9% | -27.4% | -3.2% | +35.1% | |
| P/B Ratio | 1.11 | 0.97 | 1.03 | 0.46 | 1.05 | 1.06 | 1.29 | 1.25 | 1.38 | 1.19 | 0.99 | 1.08 | 1.11 | 0.88 | 0.74 | 0.74 | 1.01 | 1.15 | 1.03 | 1.32 | 1.37 |
| — | -8.1% | -19.8% | -63.2% | -23.5% | -10.8% | +29.4% | +16.0% | +24.0% | +35.5% | +34.7% | +45.7% | +9.6% | -24.1% | -28.6% | -44.3% | -26.3% | -16.1% | -21.3% | -2.1% | +37.8% | |
| P/FCF | 10.61 | 9.73 | 57.02 | 1.84 | 20.80 | 4.10 | 8.75 | — | 4.68 | 19.58 | 26.08 | 9.12 | 18.46 | 11.98 | — | 3.23 | 15.92 | 5.59 | 10.16 | 41.57 | 8.60 |
| — | +137.5% | +551.4% | — | +344.1% | -79.1% | -66.4% | — | -74.6% | +63.4% | — | +182.0% | +16.0% | +114.3% | — | -92.2% | +85.1% | -54.5% | -1.2% | +182.7% | -17.3% | |
| EV / EBITDA | 9.56 | 9.20 | 17.03 | 3.47 | 6.74 | 7.53 | 9.01 | 8.82 | 9.59 | 9.29 | 18.34 | 9.55 | 12.37 | 6.29 | 3.09 | 5.38 | 7.18 | 7.38 | 7.40 | 7.61 | 6.59 |
| — | +22.2% | +89.1% | -60.7% | -29.7% | -18.9% | -50.9% | -7.6% | -22.5% | +47.8% | +492.6% | +77.3% | +72.3% | -14.8% | -58.2% | -29.2% | +9.0% | +0.4% | -8.8% | -6.7% | +26.8% | |
| EV / EBIT | 18.15 | 9.20 | 11.18 | 9.03 | 7.76 | 7.77 | 10.30 | 10.23 | 10.94 | 10.58 | 25.25 | 11.00 | 14.22 | 7.00 | 3.34 | 6.03 | 7.90 | 8.00 | 8.01 | 8.30 | 7.13 |
| — | +18.5% | +8.5% | -11.7% | -29.1% | -26.6% | -59.2% | -7.0% | -23.1% | +51.0% | +655.0% | +82.6% | +79.9% | -12.4% | -58.2% | -27.4% | +10.9% | +1.3% | -8.6% | -6.7% | +25.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 115.0% | 93.4% | 94.3% | 100.0% | 100.0% | 94.1% | 95.2% | 95.8% | 93.0% | 93.6% | 90.5% | 90.8% | 95.0% | 92.3% | 91.0% | 94.8% | 93.1% | 92.1% | 95.9% | 99.1% | 99.1% |
| — | -0.7% | -1.0% | +4.3% | +7.5% | +0.6% | +5.2% | +5.6% | -2.1% | +1.3% | -0.6% | -4.2% | +2.1% | +0.3% | -5.0% | -4.3% | -6.1% | -6.8% | -3.2% | +1.8% | +1.9% | |
| Operating Margin | 46.6% | 36.4% | 38.1% | 15.5% | 37.9% | 38.5% | 38.5% | 41.8% | 43.2% | 44.4% | 20.5% | 40.4% | 39.5% | 48.0% | 69.7% | 47.8% | 49.0% | 52.9% | 58.2% | 54.6% | 57.9% |
| — | -5.6% | -1.1% | -62.9% | -12.4% | -13.3% | +87.9% | +3.5% | +9.5% | -7.5% | -70.6% | -15.4% | -19.4% | -9.1% | +19.8% | -12.4% | -15.3% | -10.7% | -1.4% | -4.8% | +12.5% | |
| Net Margin | 38.3% | 28.9% | 29.8% | 12.3% | 31.3% | 31.8% | 31.4% | 34.5% | 35.6% | 36.0% | 16.7% | 33.1% | 29.1% | 37.9% | 56.0% | 38.3% | 38.6% | 42.7% | 46.6% | 44.7% | 46.4% |
| — | -9.2% | -5.1% | -64.2% | -12.0% | -11.5% | +87.4% | +4.1% | +22.3% | -5.1% | -70.1% | -13.5% | -24.6% | -11.3% | +20.0% | -14.3% | -16.8% | -10.4% | -2.6% | -4.4% | +9.1% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.5% | 2.6% | 2.2% | 1.4% | 2.4% | 2.6% | 2.4% | 2.2% | 2.4% | 2.3% | 0.9% | 2.0% | 1.6% | 2.3% | 3.4% | 2.5% | 2.5% | 2.8% | 2.7% | 2.4% | 2.5% |
| — | +0.2% | -7.3% | -35.9% | +3.2% | +9.6% | +177.8% | +6.0% | +48.0% | +3.2% | -74.7% | -16.7% | -37.0% | -18.6% | +25.0% | +0.5% | -0.2% | +5.1% | +4.6% | -4.1% | +11.1% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.1% | 0.3% | 0.2% | 0.3% | 0.4% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.4% |
| — | -6.8% | -10.4% | -36.8% | +2.0% | +6.8% | +168.7% | +2.7% | +47.3% | +4.4% | -74.8% | -18.8% | -40.1% | -23.4% | +17.5% | -4.9% | -6.7% | -3.5% | -2.1% | -7.2% | +10.4% | |
| ROIC | 6.3% | 1.4% | 1.3% | 0.9% | 1.6% | 1.7% | 1.6% | 1.4% | 1.5% | 1.5% | 0.5% | 1.3% | 1.1% | 1.5% | 2.2% | 1.7% | 2.0% | 2.0% | 1.9% | 1.7% | 1.8% |
| — | -17.8% | -15.7% | -33.6% | +6.7% | +13.1% | +191.7% | +10.0% | +37.0% | +2.7% | -74.6% | -24.8% | -43.0% | -25.2% | +11.7% | -1.7% | +5.9% | +5.0% | +7.4% | +1.8% | +25.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.36 | 0.72 | 0.75 | 0.41 | 0.36 | 0.37 | 0.37 | 0.39 | 0.39 | 0.44 | 0.45 | 0.45 | 0.46 | 0.47 | 0.48 | 0.48 | 0.20 | 0.28 | 0.36 | 0.29 | 0.28 |
| — | +96.2% | +102.0% | +5.3% | -9.0% | -15.9% | -17.0% | -12.4% | -14.4% | -6.3% | -6.4% | -6.8% | +134.0% | +66.2% | +32.7% | +66.2% | -28.8% | -7.5% | +5.6% | -16.9% | -28.3% | |
| Debt / EBITDA | 2.82 | 22.16 | 40.37 | 12.29 | 10.67 | 11.70 | 11.07 | 13.03 | 12.07 | 13.49 | 30.80 | 15.73 | 18.72 | 14.60 | 10.50 | 14.30 | 5.63 | 7.55 | 9.75 | 8.91 | 8.13 |
| — | +89.5% | +264.6% | -5.6% | -11.6% | -13.3% | -64.0% | -17.2% | -35.5% | -7.6% | +193.5% | +10.0% | +232.6% | +93.4% | +7.6% | +60.5% | -30.8% | -13.0% | -1.5% | -13.7% | -36.6% | |
| Current Ratio | 1.07 | 0.27 | 0.76 | 0.90 | 1.07 | 204.11 | 0.21 | 0.15 | 0.21 | 0.20 | 0.19 | 0.18 | 0.17 | 0.19 | 0.20 | 0.19 | 0.14 | 0.16 | 0.17 | 0.21 | 0.29 |
| — | -99.9% | +261.2% | +520.4% | +404.0% | +101809.7% | +13.4% | -20.6% | +23.2% | +7.6% | -6.7% | -2.0% | +24.4% | +16.0% | +18.4% | -12.9% | -51.8% | -41.4% | -33.2% | -9.7% | +7.8% | |
| Quick Ratio | 1.07 | 0.27 | 0.76 | 0.90 | 1.07 | 204.11 | 0.21 | 0.15 | 0.21 | 0.20 | 0.19 | 0.18 | 0.17 | 0.19 | 0.20 | 0.19 | 0.14 | 0.16 | 0.17 | 0.21 | 0.29 |
| — | -99.9% | +261.2% | +520.4% | +404.0% | +101809.7% | +13.4% | -20.6% | +23.2% | +7.6% | -6.7% | -2.0% | +24.4% | +16.0% | +18.4% | -12.9% | -51.8% | -41.4% | -33.2% | -9.7% | +7.8% | |
| Interest Coverage | 0.63 | 0.73 | 0.68 | 0.33 | 0.68 | 0.65 | 0.62 | 0.56 | 0.57 | 0.53 | 0.19 | 0.46 | 0.39 | 0.54 | 0.95 | 0.88 | 1.33 | 2.79 | 6.52 | 8.23 | 8.14 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying PNFP stock.
Pinnacle Financial Partners, Inc.'s current P/E is 14.9x. The average P/E over the last 4 quarters is 11.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Pinnacle Financial Partners, Inc.'s current operating margin is 46.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Pinnacle Financial Partners, Inc.'s business trajectory between earnings reports.