Pinnacle Finl Partners Inc Financials
Pinnacle Finl Partners Inc (PNFP) reported $3.1B in revenue for fiscal year 2025, down 2.4% 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).
FY2025 profit improved on a smaller balance sheet, showing better earnings efficiency rather than top-line, asset, or cash-flow growth.
From FY2024 to FY2025, net income rose to$792M while operating cash flow slipped to$676M ; because revenue and assets also moved lower, the earnings rebound came from improved economics on a leaner balance sheet, not from simple growth. Net margin reaching25.4% while revenue eased reinforces that the stronger result was driven by profitability per dollar of activity, not by a bigger business footprint.
The company became smaller but more productive: total assets fell to
Cash generation has not kept pace with reported profit, which matters because cash is what supports shareholder payouts without leaning on external funding. Free cash flow dropped 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 Finl 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 Finl 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 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.
Not reported for fiscal year 2025.
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 $3.6B 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.
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 11.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
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.
Not reported for fiscal year 2025.
PNFP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Revenue | $3.1B-2.4% | $3.2B+4.7% | $3.1B | N/A | N/A |
| SG&A Expenses | $776.3M+5.3% | $737.5M+1.2% | $728.4M | N/A | N/A |
| Interest Expense | $1.2B-13.9% | $1.4B+17.0% | $1.2B | N/A | N/A |
| Income Tax | $228.5M+82.1% | $125.5M-18.5% | $154.0M | N/A | N/A |
| Net Income | $792.0M+64.2% | $482.5M-11.3% | $543.7M-3.0% | $560.7M+6.3% | $527.3M |
| EPS (Diluted) | $5.33 | $3.03-12.4% | $3.46 | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
PNFP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Total Assets | $57.7B-4.2% | $60.2B | N/A | N/A | N/A |
| Cash & Equivalents | $3.6B+3.8% | $3.4B+40.2% | $2.5B+23.9% | $2.0B | N/A |
| Accounts Receivable | $387.3M-13.0% | $445.1M | N/A | N/A | N/A |
| Goodwill | $1.8B+284.9% | $480.4M0.0% | $480.4M | N/A | N/A |
| Total Liabilities | $50.7B-7.8% | $55.0B | N/A | N/A | N/A |
| Long-Term Debt | $2.5B+41.7% | $1.7B | N/A | N/A | N/A |
| Total Equity | $7.0B+9.5% | $6.4B+6.6% | $6.0B+9.4% | $5.5B | N/A |
| Retained Earnings | $3.7B+36.3% | $2.7B | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, 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.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Operating Cash Flow | $676.1M-17.7% | $821.0M-36.0% | $1.3B | N/A | N/A |
| Capital Expenditures | $33.2M-40.9% | $56.2M+74.3% | $32.2M | N/A | N/A |
| Free Cash Flow | $642.9M-15.9% | $764.9M-38.8% | $1.3B | N/A | N/A |
| Investing Cash Flow | -$1.5B-936.4% | $177.6M-45.2% | $324.0M | N/A | N/A |
| Financing Cash Flow | $352.8M+177.4% | -$456.0M+59.7% | -$1.1B | N/A | N/A |
| Dividends Paid | $270.8M+23.0% | $220.1M+1.9% | $216.1M | N/A | N/A |
| Share Buybacks | $142.2M-47.8% | $272.3M | $0 | N/A | N/A |
PNFP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 |
|---|---|---|---|---|---|
| Net Margin | 25.4%+10.3pp | 15.1%-2.7pp | 17.8% | N/A | N/A |
| Return on Equity | 11.2%+3.7pp | 7.5%-1.5pp | 9.0%-1.1pp | 10.2% | N/A |
| Return on Assets | 1.4%+0.6pp | 0.8% | N/A | N/A | N/A |
| Debt-to-Equity | 0.35+0.1x | 0.27 | N/A | N/A | N/A |
| FCF Margin | 20.6%-3.3pp | 23.9%-17.0pp | 41.0% | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Pinnacle Finl Partners Inc Ranks
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 $3.6B 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 11.2% 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 $57.7B 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 0.35 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 1.4% 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 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 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 57 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.