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Pinnacle Financial Partners, Inc. (PNFP) Total Return Calculator with Dividends Reinvested

Pinnacle Financial Partners, Inc.

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The total return for Pinnacle Financial Partners, Inc. (PNFP) stock is -4.34% over the past 12 months. So far it's up 4.79% this year. The 5-year total return is +16.34%, meaning $10,000 invested in PNFP stock 5 years ago would be worth $11,634 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in PNFP 1 year ago, it would be worth $9,318 today — you'd have lost $682 with dividends reinvested.

With Dividends Reinvested$9,318-6.82%

Price Only (No DRIP)$9,175-8.25%

Dividend Boost+$1434 payments · +1.43% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in PNFP

1Y$9,566-$434 (-4.3%)-4.3% CAGR

3Y$21,198+$11,198 (+112.0%)28.5% CAGR

5Y$11,634+$1,634 (+16.3%)3.1% CAGR

10Y$22,544+$12,544 (+125.4%)8.5% CAGR

15Y$69,754+$59,754 (+597.5%)13.8% CAGR

20Y$37,852+$27,852 (+278.5%)6.9% CAGR

30Y$227,032+$217,032 (+2170.3%)11.0% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-08-01	$0.24	$86.13	+0.002786
2025-11-07	$0.24	$86.61	+0.002779
2026-02-06	$0.50	$102.26	+0.004917
2026-05-01	$0.50	$98.64	+0.005122

Loading PNFP total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+4.79%	—	+3.74%	+1.05 pp	$10,479
1Y	-4.34%	-4.34%	-5.75%	+1.41 pp	$9,566
3Y	+111.98%	28.46%	+105.16%	+6.82 pp	$21,198
5Y	+16.34%	3.07%	+10.77%	+5.57 pp	$11,634
10Y	+125.44%	8.47%	+108.49%	+16.95 pp	$22,544
15Y	+597.54%	13.83%	+538.17%	+59.38 pp	$69,754
20Y	+278.52%	6.88%	+246.29%	+32.22 pp	$37,852
30Y	+2170.32%	10.97%	+1977.05%	+193.26 pp	$227,032

Risk & Highlights

Best Year+94.16%2004

Worst Year-51.38%2009

Max Drawdown-31.37%2025-07-10 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-4.04%	-4.56%	+0.5pp	+0.41%	-4.5pp
2025	-15.11%	-15.95%	+0.8pp	+16.64%	-31.7pp
2024	+31.62%	+30.61%	+1.0pp	+24.00%	+7.6pp
2023	+23.55%	+22.31%	+1.2pp	+24.81%	-1.3pp
2022	-23.91%	-24.81%	+0.9pp	-19.95%	-4.0pp

PNFP underperformed the S&P 500 by 34.71pp over the past year (-4.34% vs +30.37%).

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PNFP Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
PNFPPinnacle Financial Partners, Inc.	$7.6B	+11.7%	+4.8%	-4.3%	+1.4pp	+112.0%	+16.3%	+125.4%
SFNCSimmons First National Corporation	$3.1B	+7.5%	+14.6%	+16.7%	+4.5pp	+53.4%	-15.4%	+25.2%
IBCPIndependent Bank Corporation	$699M	+0.3%	+7.2%	+12.6%	+3.5pp	+130.6%	+63.7%	+184.6%
FFINFirst Financial Bankshares, Inc.	$4.6B	+6.1%	+8.5%	-3.2%	+2.2pp	+29.1%	-28.2%	+145.4%
HOMBHome Bancshares, Inc.	$5.3B	-2.1%	-3.0%	-1.9%	+2.9pp	+42.0%	+6.6%	+58.2%
AVBHAvidbank Holdings, Inc.	$260M	+3.9%	+14.2%	+37.8%	—	+37.8%	+37.8%	+37.8%
COLBColumbia Banking System, Inc.	$7.0B	+6.8%	+6.2%	+32.6%	+6.2pp	+75.3%	-18.1%	+51.1%
SNVSynovus Financial Corp.	$6.9B	—	+0.0%	+14.0%	+2.6pp	+96.3%	+15.5%	+106.8%
CBSHCommerce Bancshares, Inc.	$7.7B	+5.0%	+1.0%	-13.9%	+1.7pp	+20.2%	-12.9%	+103.4%
UMBFUMB Financial Corporation	$10.0B	+12.8%	+13.0%	+31.1%	+1.6pp	+143.7%	+41.5%	+165.1%
WSFSWSFS Financial Corporation	$3.8B	+8.0%	+31.2%	+37.7%	+1.3pp	+135.3%	+43.1%	+129.0%

Compare:PNFP vs SFNC PNFP vs IBCP PNFP vs FFIN PNFP vs SFNC vs IBCP

About PNFP Dividend Returns

Pinnacle Financial Partners, Inc. (PNFP) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of PNFP over the past year?

Pinnacle Financial Partners, Inc. (PNFP) delivered a total return of -4.34% over the past year when dividends are reinvested. The price-only return was -5.75%, meaning dividends contributed an additional 1.41 percentage points to total returns.

Q2How much would $10,000 invested in PNFP be worth today?

A $10,000 investment in Pinnacle Financial Partners, Inc. one year ago would be worth $9,566 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $9,425. Dividend reinvestment added $141 to the portfolio value.

Q3Does PNFP pay dividends?

Yes, Pinnacle Financial Partners, Inc. (PNFP) pays dividends. In the last year, PNFP paid approximately $0.89 per share in dividends (0.91% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did PNFP beat the S&P 500?

No, Pinnacle Financial Partners, Inc. (PNFP) underperformed the S&P 500 by 34.71 percentage points over the past year. PNFP delivered a total return of -4.34%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed PNFP by 34.71pp during this period.

Q5What is PNFP's worst drawdown?

Pinnacle Financial Partners, Inc. (PNFP) experienced a maximum drawdown of -31.37% over the past year, declining from its peak on 2025-07-10 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is PNFP's long-term total return over 10, 20, or 30 years?

Here are Pinnacle Financial Partners, Inc. (PNFP)'s long-term returns with dividends reinvested. Over 10 years, the total return is 125.4% (8.5% CAGR) — $10,000 would have grown to $22,544. Over 20 years: 278.5% total return (6.9% CAGR) — $10,000 → $37,852. Over 30 years: 2170.3% total return (11.0% CAGR) — $10,000 → $227,032. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was PNFP's best and worst year?

Pinnacle Financial Partners, Inc.'s best calendar year was 2004 with a total return of 94.2%. Its worst year was 2009 with a total return of -51.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 145.5 percentage points.