Pinnacle Finl Partners Inc Financials
This page shows Pinnacle Finl Partners Inc (PNFP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Pinnacle Finl Partners Inc's revenue declined 2.4% year-over-year, from $3.2B to $3.1B. This contraction results in a growth score of 29/100.
Pinnacle Finl Partners Inc carries a low D/E ratio of 0.41, meaning only $0.41 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 94/100, indicating a strong balance sheet with room for future borrowing.
Pinnacle Finl Partners Inc converts 20.6% of revenue into free cash flow ($642.9M). This strong cash generation earns a score of 77/100.
Pinnacle Finl Partners Inc's ROE of 13.2% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 9.2% the prior year.
Pinnacle Finl Partners Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Pinnacle Finl Partners Inc generates $0.85 in operating cash flow ($676.1M OCF vs $792.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Pinnacle Finl Partners Inc generated $3.1B in revenue in fiscal year 2025. This represents a decrease of 2.4% from the prior year.
Pinnacle Finl Partners Inc reported $792.0M in net income in fiscal year 2025. This represents an increase of 64.2% from the prior year.
Pinnacle Finl Partners Inc earned $5.33 per diluted share (EPS) in fiscal year 2025. This represents an increase of 75.9% from the prior year.
Cash & Balance Sheet
Pinnacle Finl Partners Inc generated $642.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 15.9% from the prior year.
Pinnacle Finl Partners Inc held $2.5B in cash against $2.5B in long-term debt as of fiscal year 2025.
Pinnacle Finl Partners Inc paid $1.56 per share in dividends in fiscal year 2025. This represents an increase of 2.6% from the prior year.
Pinnacle Finl Partners Inc had 78M shares outstanding in fiscal year 2025. This represents a decrease of 45.0% from the prior year.
Margins & Returns
Pinnacle Finl Partners Inc's net profit margin was 25.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 10.3 percentage points from the prior year.
Pinnacle Finl Partners Inc's ROE was 13.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 4.0 percentage points from the prior year.
Capital Allocation
Pinnacle Finl Partners Inc spent $142.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 47.8% from the prior year.
Pinnacle Finl Partners Inc invested $33.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 40.9% from the prior year.
PNFP Income Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Revenue | N/A | N/A |
| Cost of Revenue | N/A | N/A |
| Gross Profit | N/A | N/A |
| R&D Expenses | N/A | N/A |
| SG&A Expenses | N/A | N/A |
| Operating Income | N/A | N/A |
| Interest Expense | N/A | N/A |
| Income Tax | N/A | N/A |
| Net Income | N/A | N/A |
| EPS (Diluted) | N/A | N/A |
PNFP Balance Sheet
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Total Assets | $61.4B+1.9% | $60.2B |
| Current Assets | N/A | N/A |
| Cash & Equivalents | $2.5B-15.2% | $3.0B |
| Inventory | N/A | N/A |
| Accounts Receivable | $387.3M-13.0% | $445.1M |
| Goodwill | $480.4M0.0% | $480.4M |
| Total Liabilities | $55.3B+0.7% | $55.0B |
| Current Liabilities | N/A | N/A |
| Long-Term Debt | $2.5B+41.7% | $1.7B |
| Total Equity | $6.0B+14.3% | $5.2B |
| Retained Earnings | $3.3B+19.2% | $2.7B |
PNFP Cash Flow Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Operating Cash Flow | N/A | N/A |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | N/A | N/A |
| Investing Cash Flow | N/A | N/A |
| Financing Cash Flow | N/A | N/A |
| Dividends Paid | N/A | N/A |
| Share Buybacks | N/A | N/A |
PNFP Financial Ratios
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Gross Margin | N/A | N/A |
| Operating Margin | N/A | N/A |
| Net Margin | N/A | N/A |
| Return on Equity | N/A | N/A |
| Return on Assets | N/A | N/A |
| Current Ratio | N/A | N/A |
| Debt-to-Equity | 0.41+0.1 | 0.33 |
| FCF Margin | N/A | N/A |
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Frequently Asked Questions
What is Pinnacle Finl Partners Inc's annual revenue?
Pinnacle Finl Partners Inc (PNFP) reported $3.1B in total revenue for fiscal year 2025. This represents a -2.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Pinnacle Finl Partners Inc's revenue growing?
Pinnacle Finl Partners Inc (PNFP) revenue declined by 2.4% year-over-year, from $3.2B to $3.1B in fiscal year 2025.
Is Pinnacle Finl Partners Inc profitable?
Yes, Pinnacle Finl Partners Inc (PNFP) reported a net income of $792.0M in fiscal year 2025, with a net profit margin of 25.4%.
How much debt does Pinnacle Finl Partners Inc have?
As of fiscal year 2025, Pinnacle Finl Partners Inc (PNFP) had $2.5B in cash and equivalents against $2.5B in long-term debt.
What is Pinnacle Finl Partners Inc's net profit margin?
Pinnacle Finl Partners Inc (PNFP) had a net profit margin of 25.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Pinnacle Finl Partners Inc pay dividends?
Yes, Pinnacle Finl Partners Inc (PNFP) paid $1.56 per share in dividends during fiscal year 2025.
What is Pinnacle Finl Partners Inc's return on equity (ROE)?
Pinnacle Finl Partners Inc (PNFP) has a return on equity of 13.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Pinnacle Finl Partners Inc's free cash flow?
Pinnacle Finl Partners Inc (PNFP) generated $642.9M in free cash flow during fiscal year 2025. This represents a -15.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Pinnacle Finl Partners Inc's operating cash flow?
Pinnacle Finl Partners Inc (PNFP) generated $676.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Pinnacle Finl Partners Inc's total assets?
Pinnacle Finl Partners Inc (PNFP) had $61.4B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Pinnacle Finl Partners Inc's capital expenditures?
Pinnacle Finl Partners Inc (PNFP) invested $33.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Pinnacle Finl Partners Inc's debt-to-equity ratio?
Pinnacle Finl Partners Inc (PNFP) had a debt-to-equity ratio of 0.41 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Pinnacle Finl Partners Inc's return on assets (ROA)?
Pinnacle Finl Partners Inc (PNFP) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Pinnacle Finl Partners Inc's Piotroski F-Score?
Pinnacle Finl Partners Inc (PNFP) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Pinnacle Finl Partners Inc's earnings high quality?
Pinnacle Finl Partners Inc (PNFP) has an earnings quality ratio of 0.85x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Pinnacle Finl Partners Inc?
Pinnacle Finl Partners Inc (PNFP) scores 60 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.