Pinnacle Financial Partners, Inc. (PNFP) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 4, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PNFP SEC filings page.
Pinnacle Financial Partners, Inc. (PNFP) reported $2.4B in revenue for fiscal year 2025, up 21.1% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 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).
Pinnacle’s 2025 profit recovery improved returns, but cash conversion weakened and debt rose against a smaller asset base.
In FY2025, net income climbed64.1% while operating cash flow fell17.7% , separating reported earnings growth from cash generation. Free-cash-flow margin narrowed from38.5% to26.7% , reinforcing that stronger profit did not translate proportionally into deployable cash.
Long-term debt increased
Net margin widened from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Pinnacle Financial Partners, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Pinnacle Financial Partners, Inc. earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Pinnacle Financial Partners, Inc. scores 71/100 among other banks.
Pinnacle Financial Partners, Inc. reported revenue of $2.4B in fiscal year 2025, against $2.0B in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Pinnacle Financial Partners, Inc. scores 32/100 among other banks.
Pinnacle Financial Partners, Inc. funded 12.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $7.0B of equity against $57.7B of assets. Capital ranks banks on that cushion, and Pinnacle Financial Partners, Inc. scores 60/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Pinnacle Financial Partners, Inc. scores 71/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Pinnacle Financial Partners, Inc. scores 57/100 on it among other banks.
Pinnacle Financial Partners, Inc. reported net income of $792.0M in fiscal year 2025, against $482.5M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Pinnacle Financial Partners, Inc. scores 63/100 among other banks.
Pinnacle Financial Partners, Inc. passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Pinnacle Financial 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 Financial Partners, Inc. generated $1.2B in revenue in Q2 2026. This represents an increase of 138.2% from the same quarter a year earlier. Against the prior quarter it is down 1.2%.
Pinnacle Financial Partners, Inc. reported $328.0M in net income in Q2 2026. This represents an increase of 106.3% from the same quarter a year earlier. Against the prior quarter it is up 118.7%.
Pinnacle Financial Partners, Inc. earned $2.07 per diluted share (EPS) in Q2 2026. Against the prior quarter it is up 132.6%.
Not reported for Q2 2026.
Cash & Balance Sheet
Pinnacle Financial Partners, Inc. generated $67.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 73.2% from the same quarter a year earlier. Against the prior quarter it is down 92.6%.
Pinnacle Financial Partners, Inc. held $7.7B in cash as of Q2 2026; long-term debt is not reported for that period.
Pinnacle Financial Partners, Inc. paid $0.50 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Margins & Returns
Pinnacle Financial Partners, Inc.'s net profit margin was 27.3% in Q2 2026, showing the share of revenue converted to profit. This is down 4.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 14.9 percentage points.
Pinnacle Financial Partners, Inc.'s ROE was 2.2% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.2 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Pinnacle Financial Partners, Inc. invested $23.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 109.1% from the same quarter a year earlier. Against the prior quarter it is up 53.3%.
Not reported for Q2 2026.
Not reported for Q2 2026.
PNFP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'248-K |
|---|---|---|---|---|---|---|
| Revenue | $1.2B+138.2% | $1.2B+163.4% | N/A | $505.0M | $462.0M | N/A |
| SG&A Expenses | $378.0M+110.0% | $396.0M+130.2% | N/A | $180.0M | $172.0M | N/A |
| Interest Expense | $612.0M+94.3% | $581.0M+91.1% | N/A | $315.0M | $304.0M | N/A |
| Income Tax | $91.0M+152.8% | $39.0M+30.0% | N/A | $36.0M | $30.0M | N/A |
| Net Income | $328.0M+106.3% | $150.0M+7.1% | N/A | $159.0M | $140.0M | N/A |
| EPS (Basic) | $2.07+3.0% | $0.89-50.0% | N/A | $2.01 | $1.78 | N/A |
| EPS (Diluted) | $2.07 | $0.89 | N/A | $2.00 | $1.77 | N/A |
| Diluted Shares (Avg) | 151M | 151M | N/A | 77M | 77M | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
PNFP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'248-K |
|---|---|---|---|---|---|---|
| Total Assets | $129.1B | $122.8B | $57.7B-4.2% | N/A | N/A | $60.2B |
| Cash & Equivalents | $7.7B+156.0% | $5.9B+52.6% | $3.6B+3.8% | $3.0B | $3.9B | $3.4B |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | N/A | N/A | $387.3M-13.0% | N/A | N/A | $445.1M |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $3.5B | $3.5B | $1.8B+284.9% | N/A | N/A | $480.4M |
| Total Liabilities | $114.2B | $108.2B | $50.7B-7.8% | N/A | N/A | $55.0B |
| Long-Term Debt | N/A | N/A | $2.5B+41.7% | N/A | N/A | $1.7B |
| Total Equity | $14.8B+123.4% | $14.6B+123.0% | $7.0B+9.5% | $6.6B | $6.5B | $6.4B |
| Retained Earnings | $4.0B | $3.8B | $3.7B+36.3% | N/A | N/A | $2.7B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-Current Liabilities.
PNFP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'248-K |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $90.0M-65.5% | $926.0M+4309.1% | N/A | $261.0M | -$22.0M | N/A |
| Depreciation & Amortization | -$144.0M-469.2% | $303.0M+697.4% | N/A | $39.0M | $38.0M | N/A |
| Stock-Based Compensation | N/A | $89.0M+709.1% | N/A | N/A | $11.0M | N/A |
| Capital Expenditures | $23.0M+109.1% | $15.0M-25.0% | N/A | $11.0M | $20.0M | N/A |
| Free Cash Flow | $67.0M-73.2% | $911.0M+2269.0% | N/A | $250.0M | -$42.0M | N/A |
| Investing Cash Flow | -$4.1B-171.4% | -$794.0M+31.7% | N/A | -$1.5B | -$1.2B | N/A |
| Financing Cash Flow | $5.8B+1442.7% | $2.2B+36.4% | N/A | $375.0M | $1.6B | N/A |
| Dividends Paid | $75.0M+294.7% | $75.0M+294.7% | N/A | $19.0M | $19.0M | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
PNFP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'248-K |
|---|---|---|---|---|---|---|
| Net Margin | 27.3%-4.2pp | 12.3%-18.0pp | N/A | 31.5% | 30.3% | N/A |
| Return on Equity | 2.2%-0.2pp | 1.0%-1.1pp | N/A | 2.4% | 2.1% | N/A |
| Return on Assets | 0.3% | 0.1% | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.70 | 7.41 | 0.35+0.1x | N/A | N/A | 0.27 |
| Asset Turnover | 0.01 | 0.01 | N/A | N/A | N/A | N/A |
| FCF Margin | 5.6%-43.9pp | 74.9%+84.0pp | N/A | 49.5% | -9.1% | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Pinnacle Financial Partners, Inc. PNFP | FY2025 | $2.4B | $792.0M | 32.9% | $14.3B | 59/100 |
| Cullen/Frost Bankers Inc. CFR | FY2025 | $2.2B | $648.6M | 29.0% | $9.3B | 52/100 |
| Commerce Bancshares Inc CBSH | FY2025 | $1.8B | $566.3M | 32.1% | $7.8B | 65/100 |
| Synovus Financial Corp. SNV | FY2024 | $2.0B | $482.5M | 24.3% | $6.9B | 40/100 |
| BOK Financial Corp BOKF | FY2025 | $2.2B | $578.0M | 26.6% | $7.6B | 63/100 |
Where Pinnacle Financial Partners, Inc. Ranks
Frequently Asked Questions
What is Pinnacle Financial Partners, Inc.'s annual revenue?
Pinnacle Financial Partners, Inc. (PNFP) reported $2.4B in total revenue for fiscal year 2025. This represents a 21.1% 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 Financial Partners, Inc.'s revenue growing?
Pinnacle Financial Partners, Inc. (PNFP) revenue grew by 21.1% year-over-year, from $2.0B to $2.4B in fiscal year 2025.
Is Pinnacle Financial Partners, Inc. profitable?
Yes, Pinnacle Financial Partners, Inc. (PNFP) reported a net income of $792.0M in fiscal year 2025, with a net profit margin of 32.9%.
How much debt does Pinnacle Financial Partners, Inc. have?
As of fiscal year 2025, Pinnacle Financial Partners, Inc. (PNFP) had $3.6B in cash and equivalents against $2.5B in long-term debt.
What is Pinnacle Financial Partners, Inc.'s net profit margin?
Pinnacle Financial Partners, Inc. (PNFP) had a net profit margin of 32.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Pinnacle Financial Partners, Inc. pay dividends?
Yes, Pinnacle Financial Partners, Inc. (PNFP) paid $1.56 per share in dividends during fiscal year 2025.
What is Pinnacle Financial Partners, Inc.'s return on equity (ROE)?
Pinnacle Financial Partners, Inc. (PNFP) has a return on equity of 11.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Pinnacle Financial Partners, Inc.'s free cash flow?
Pinnacle Financial 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 Financial Partners, Inc.'s operating cash flow?
Pinnacle Financial Partners, Inc. (PNFP) generated $676.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Pinnacle Financial Partners, Inc.'s total assets?
Pinnacle Financial Partners, Inc. (PNFP) had $57.7B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Pinnacle Financial Partners, Inc.'s capital expenditures?
Pinnacle Financial Partners, Inc. (PNFP) invested $33.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Pinnacle Financial Partners, Inc.'s debt-to-equity ratio?
Pinnacle Financial Partners, Inc. (PNFP) had a debt-to-equity ratio of 0.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Pinnacle Financial Partners, Inc.'s return on assets (ROA)?
Pinnacle Financial Partners, Inc. (PNFP) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Pinnacle Financial Partners, Inc.'s P/E ratio?
Pinnacle Financial Partners, Inc. (PNFP) trades at 18.0x earnings, its market capitalization divided by net income of $792.0M net income, FY2025. The market capitalization is $14.3B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Pinnacle Financial Partners, Inc.'s price-to-sales ratio?
Pinnacle Financial Partners, Inc. (PNFP) trades at 5.9x sales, its market capitalization divided by revenue of $2.4B revenue, FY2025. The market capitalization is $14.3B as of Oct 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Pinnacle Financial Partners, Inc.'s Piotroski F-Score?
Pinnacle Financial Partners, Inc. (PNFP) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Pinnacle Financial Partners, Inc.'s earnings high quality?
Pinnacle Financial 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 Financial Partners, Inc.?
Pinnacle Financial Partners, Inc. (PNFP) scores 59 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.