What is Pinnacle Financial Partners's earnings per share (EPS)?

Pinnacle Financial Partners (PNFPP) reported diluted earnings per share of $5.96 for fiscal year 2024. This represents a -16.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Pinnacle Financial Partners (PNFPP) Financials

PNFPP

Trailing 12 months to September 30, 2025

Revenue $2.0B +4.3% YoY

Net Income $623.3M +48.8% YoY

EPS (Diluted) $7.84 +49.0% YoY

Free Cash Flow $1.1B +147.2% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2025, ended Sep 30, 2025 Reported Nov 4, 2025 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2025, filed Nov 4, 2025. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PNFPP SEC filings page.

Pinnacle Financial Partners (PNFPP) reported $2.0B in revenue over the twelve months to Sep 30, 2025, up 4.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI PNFPP FY2024 2026-09-05

The business is increasingly balance-sheet intensive, with rising leverage and cash flow that swings against earnings.

Net margin fell from 33.2% in FY2023 to 27.4% in FY2024, while operating cash flow rose from $478M to $904M. That split means cash conversion improved even as reported profitability weakened, making earnings a less consistent guide to cash economics than the income statement alone suggests.

The FY2024 balance sheet held $52.6B of assets against $46.2B of liabilities, leaving equity as a relatively small funding layer. Debt-to-equity reached 7.2x, so asset returns have an amplified effect on equity results.

Interest expense jumped from $109M in FY2023 to $1.33B in FY2024 while revenue was broadly stable. The financing-cost surge, rather than sales scale, best explains the pressure on bottom-line earnings.

Financial Health Signals

Financial health score not available

Pinnacle Financial Partners does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

Pinnacle Financial Partners passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.90x

For every $1 of reported earnings, Pinnacle Financial Partners generates $1.90 in operating cash flow ($904.3M OCF vs $475.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$544.8M

YoY+16.7%

QoQ+7.9%

5Y CAGR+12.9%

10Y CAGR+20.6%

Pinnacle Financial Partners generated $544.8M in revenue in Q3 2025. This represents an increase of 16.7% from the same quarter a year earlier. Against the prior quarter it is up 7.9%.

Net Income

$173.1M

YoY+18.0%

QoQ+9.2%

5Y CAGR+9.4%

10Y CAGR+21.8%

Pinnacle Financial Partners reported $173.1M in net income in Q3 2025. This represents an increase of 18.0% from the same quarter a year earlier. Against the prior quarter it is up 9.2%.

EPS (Diluted)

$2.19

YoY+17.7%

QoQ+9.5%

5Y CAGR+9.1%

10Y CAGR+13.5%

Pinnacle Financial Partners earned $2.19 per diluted share (EPS) in Q3 2025. This represents an increase of 17.7% from the same quarter a year earlier. Against the prior quarter it is up 9.5%.

EBITDA

Not reported for Q3 2025.

Cash & Balance Sheet

Free Cash Flow

$375.4M

YoY+290.8%

QoQ+53.5%

5Y CAGR+29.1%

10Y CAGR+56.2%

Pinnacle Financial Partners generated $375.4M in free cash flow in Q3 2025, representing cash available after capex. This represents an increase of 290.8% from the same quarter a year earlier. Against the prior quarter it is up 53.5%.

Cash & Debt

$3.3B

YoY+15.3%

QoQ+9.2%

Pinnacle Financial Partners held $3.3B in cash as of Q3 2025; long-term debt is not reported for that period.

Dividends Per Share

$0.24

YoY+9.1%

QoQ0.0%

Pinnacle Financial Partners paid $0.24 per share in dividends in Q3 2025. This represents an increase of 9.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

78M

YoY+0.4%

QoQ0.0%

5Y CAGR+0.5%

10Y CAGR+6.6%

Pinnacle Financial Partners had 78M shares outstanding in Q3 2025. This represents an increase of 0.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

31.8%

YoY+0.4pp

QoQ+0.4pp

5Y change-5.4pp

10Y change+2.9pp

Pinnacle Financial Partners's net profit margin was 31.8% in Q3 2025, showing the share of revenue converted to profit. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Return on Equity

2.5%

YoY+0.2pp

QoQ+0.1pp

5Y change+0.2pp

10Y change+0.4pp

Pinnacle Financial Partners's ROE was 2.5% in Q3 2025, measuring profit generated per dollar of shareholder equity. This is up 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q3 2025.

Operating Margin

Not reported for Q3 2025.

Capital Allocation

Capital Expenditures

$27.9M

YoY+10.0%

QoQ+62.7%

5Y CAGR+19.1%

10Y CAGR+34.4%

Pinnacle Financial Partners invested $27.9M in capex in Q3 2025, funding long-term assets and infrastructure. This represents an increase of 10.0% from the same quarter a year earlier. Against the prior quarter it is up 62.7%.

R&D Spending

Not reported for Q3 2025.

Share Buybacks

Not reported for Q3 2025.

PNFPP 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.

PNFPP quarterly income statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Revenue	$2.0B	$1.7B+2.4%	$1.7B+9.7%	$1.5B+16.4%	$1.3B+16.5%	$1.1B+10.6%	$1.0B+9.9%	$937.2M+36.2%	$688.2M+54.3%	$446.0M+38.0%	$323.2M+31.6%	$245.6M+10.1%	$223.0M+8.1%	$206.3M+8.9%	$189.4M+4.8%	$180.7M
SG&A Expenses	$705.0M	$621.0M+16.8%	$531.8M+4.2%	$510.2M+17.0%	$436.0M+30.4%	$334.5M+6.7%	$313.4M+15.3%	$271.7M+29.6%	$209.7M+48.9%	$140.8M+32.9%	$105.9M+19.9%	$88.3M+6.9%	$82.6M+5.9%	$78.1M+4.9%	$74.4M+15.2%	$64.6M
Interest Expense	$1.3B	$1.3B+22.1%	$1.1B+346.1%	$244.6M+147.6%	$98.8M-50.4%	$199.3M-34.0%	$301.8M+43.5%	$210.4M+126.6%	$92.8M+140.4%	$38.6M+108.3%	$18.5M+40.6%	$13.2M-14.3%	$15.4M-31.8%	$22.6M-38.8%	$36.9M-37.5%	$59.0M
Income Tax	$134.9M	$106.2M-30.1%	$151.9M+11.0%	$136.8M+9.8%	$124.6M+111.0%	$59.0M-38.9%	$96.7M+6.8%	$90.5M-27.0%	$124.0M+93.3%	$64.2M+34.8%	$47.6M+35.3%	$35.2M+24.9%	$28.2M+36.4%	$20.6M+235.5%	-$15.2M-445.5%	$4.4M
Net Income	$623.3M	$475.1M-15.5%	$562.2M+0.3%	$560.7M+6.3%	$527.3M+68.8%	$312.3M-22.1%	$400.9M+11.5%	$359.4M+106.6%	$174.0M+36.7%	$127.2M+33.2%	$95.5M+35.5%	$70.5M+22.1%	$57.7M+37.8%	$41.9M-4.2%	$43.7M+280.0%	-$24.3M
EPS (Basic)	N/A	$6.01-16.5%	$7.200.0%	$7.20+6.0%	$6.79+68.1%	$4.04-23.0%	$5.25+12.7%	$4.66+70.7%	$2.73-7.8%	$2.96+14.7%	$2.58+27.1%	$2.03+20.1%	$1.69+50.9%	$1.12+0.9%	$1.11+219.4%	-$0.93
EPS (Diluted)	$7.84	$5.96-16.5%	$7.14-0.4%	$7.17+6.2%	$6.75+67.5%	$4.03-22.8%	$5.22+12.5%	$4.64+71.9%	$2.70-7.2%	$2.91+15.5%	$2.52+25.4%	$2.01+20.4%	$1.67+51.8%	$1.10+0.9%	$1.09	-$0.93
Diluted Shares (Avg)	N/A	77M+0.6%	77M+0.7%	76M+0.3%	76M+0.4%	76M-1.4%	77M-0.9%	77M+20.4%	64M+47.1%	44M+15.2%	38M+8.1%	35M+1.8%	35M+0.1%	34M+1.3%	34M	33M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Revenue	$544.8M+16.7%	$505.0M+37.8%	$462.9M+8.1%	$475.3M-26.3%	$466.7M+14.4%	$366.6M-25.1%	$428.1M+6.6%	$644.8M+42.9%
SG&A Expenses	$187.0M+16.7%	$181.2M+20.7%	$172.1M+17.9%	$164.7M	$160.2M+22.9%	$150.1M+13.3%	$146.0M+7.6%	N/A
Interest Expense	$324.4M-5.5%	$315.2M-6.2%	$303.7M-8.6%	$320.6M+1.0%	$343.4M+10.7%	$336.1M+29.4%	$332.4M+71.5%	$317.3M-0.7%
Income Tax	$36.6M+6.2%	$35.8M+202.0%	$30.0M+9.8%	$32.5M	$34.5M-2.6%	$11.8M-75.6%	$27.3M-19.6%	N/A
Net Income	$173.1M+18.0%	$158.5M+198.2%	$140.4M+13.3%	$151.3M+59.3%	$146.7M+10.6%	$53.2M-73.1%	$123.9M-9.7%	$95.0M-31.1%
EPS (Basic)	$2.20+17.6%	$2.01+209.2%	$1.78+12.7%	$1.92+60.0%	$1.87+10.7%	$0.65-74.5%	$1.58-10.2%	$1.20-32.2%
EPS (Diluted)	$2.19+17.7%	$2.00+212.5%	$1.77+12.7%	$1.88+58.0%	$1.86+10.1%	$0.64-74.8%	$1.57-10.8%	$1.19-32.4%
Diluted Shares (Avg)	77M+0.7%	77M+0.8%	77M+0.7%	N/A	77M+0.7%	77M+0.7%	76M+0.5%	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

PNFPP Balance Sheet

PNFPP quarterly balance sheet

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Total Assets	$52.6B+9.7%	$48.0B+14.3%	$42.0B+9.1%	$38.5B+10.1%	$34.9B+25.6%	$27.8B+11.1%	$25.0B+12.7%	$22.2B+98.4%	$11.2B+28.5%	$8.7B+44.8%	$6.0B+8.2%	$5.6B+10.4%	$5.0B+3.6%	$4.9B-0.9%	$4.9B
Cash & Equivalents	$3.4B+54.1%	$2.2B+89.4%	$1.2B-71.3%	$4.1B+3.5%	$4.0B+652.1%	$526.7M-27.0%	$721.7M-7.4%	$779.6M	N/A	N/A	$36.5M+73.0%	$21.1M+54.5%	$13.7M-62.6%	$36.5M	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	$0	$0	$0	$0	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	$0	$0	$0	$0	N/A
Goodwill	$1.8B+0.1%	$1.8B0.0%	$1.8B+1.5%	$1.8B0.0%	$1.8B0.0%	$1.8B+0.7%	$1.8B0.0%	$1.8B+227.8%	$551.6M+27.6%	$432.2M+77.5%	$243.5M-0.1%	$243.7M-0.2%	$244.0M0.0%	$244.1M0.0%	$244.1M
Total Liabilities	$46.2B+10.1%	$41.9B+15.0%	$36.5B+9.9%	$33.2B+10.4%	$30.0B+28.1%	$23.4B+11.3%	$21.1B+13.9%	$18.5B+90.7%	$9.7B+28.3%	$7.6B+44.9%	$5.2B+7.8%	$4.8B+11.0%	$4.4B+5.0%	$4.2B-1.8%	$4.2B
Total Equity	$6.4B+6.6%	$6.0B+9.4%	$5.5B+3.9%	$5.3B+8.3%	$4.9B+12.6%	$4.4B+9.8%	$4.0B+7.0%	$3.7B+147.7%	$1.5B+29.5%	$1.2B+44.0%	$802.7M+10.9%	$723.7M+6.6%	$679.1M-4.4%	$710.1M+4.8%	$677.5M
Retained Earnings	$3.2B+14.0%	$2.8B+18.9%	$2.3B+25.6%	$1.9B+32.4%	$1.4B+18.9%	$1.2B+42.1%	$833.1M+60.5%	$519.1M+36.2%	$381.1M+36.8%	$278.6M+38.3%	$201.4M+41.5%	$142.3M+62.8%	$87.4M+75.5%	$49.8M+283.1%	$13.0M

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Total Assets	$56.0T+10.4%	$54.8T+11.0%	$54.3T+11.0%	$52.6T+9.7%	$50.7T+6.7%	$49.4T+5.3%	$48.9T+8.4%	$48.0T+14.3%
Cash & Equivalents	$3.3B+15.3%	$3.0B+25.7%	$3.9B+43.3%	$3.4B+54.1%	$2.8B-10.1%	$2.4B-38.0%	$2.7B-4.0%	$2.2B+89.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$1.8T+0.1%	$1.8T+0.1%	$1.8T+0.1%	$1.8T+0.1%	$1.8T0.0%	$1.8T0.0%	$1.8T0.0%	$1.8T0.0%
Total Liabilities	$49.1T+10.7%	$48.2T+11.5%	$47.7T+11.5%	$46.2T+10.1%	$44.4T+6.4%	$43.2T+5.3%	$42.8T+8.5%	$41.9T+15.0%
Total Equity	$6.9B+8.1%	$6.6B+7.5%	$6.5B+7.2%	$6.4B+6.6%	$6.3B+8.7%	$6.2B+5.7%	$6.1B+7.4%	$6.0B+9.4%
Retained Earnings	$3.6T+17.5%	$3.4T+17.4%	$3.3T+14.1%	$3.2T+14.0%	$3.0T+10.9%	$2.9T+10.8%	$2.9T+17.5%	$2.8T+18.9%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

PNFPP Cash Flow Statement

PNFPP quarterly cash flow statement

Metric	TTM	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Operating Cash Flow	$1.1B	$904.3M+89.0%	$478.4M-20.9%	$604.9M-8.0%	$657.4M+54.1%	$426.8M-1.1%	$431.5M-8.3%	$470.8M+183.8%	$165.9M+8.9%	$152.3M+80.0%	$84.6M-11.0%	$95.1M-24.8%	$126.4M+10.6%	$114.3M+1.1%	$113.1M-12.7%	$129.6M
Depreciation & Amortization	N/A	$35.1M+16.2%	$30.2M+16.6%	$25.9M+16.7%	$22.2M-2.6%	$22.8M+3.2%	$22.1M+2.8%	$21.5M+56.9%	$13.7M+38.4%	$9.9M+16.5%	$8.5M+66.7%	$5.1M-15.0%	$6.0M-9.1%	$6.6M0.0%	$6.6M-10.8%	$7.4M
Stock-Based Compensation	N/A	$40.9M-2.3%	$41.9M+5.9%	$39.6M+58.5%	$25.0M+33.2%	$18.7M-11.7%	$21.2M+20.4%	$17.6M-9.7%	$19.5M+78.1%	$11.0M+49.4%	$7.3M+38.3%	$5.3M+30.0%	$4.1M-7.5%	$4.4M-12.0%	$5.0M+26.1%	$4.0M
Capital Expenditures	$91.3M	$94.5M+20.8%	$78.3M+23.2%	$63.5M+174.1%	$23.2M-40.2%	$38.8M-8.0%	$42.2M+77.6%	$23.7M-55.6%	$53.5M+213.6%	$17.1M+56.9%	$10.9M+84.9%	$5.9M+11.0%	$5.3M-9.7%	$5.9M+188.7%	$2.0M-78.8%	$9.6M
Free Cash Flow	$1.1B	$809.8M+102.4%	$400.1M-26.1%	$541.4M-14.6%	$634.3M+63.5%	$388.0M-0.3%	$389.3M-12.9%	$447.0M+297.8%	$112.4M-16.9%	$135.3M+83.4%	$73.7M-17.3%	$89.2M-26.4%	$121.1M+11.7%	$108.4M-2.4%	$111.1M-7.5%	$120.0M
Investing Cash Flow	-$5.1B	-$3.7B+20.2%	-$4.6B+31.1%	-$6.7B-85.0%	-$3.6B-1.3%	-$3.6B-36.4%	-$2.6B+11.9%	-$3.0B-40.3%	-$2.1B-65.4%	-$1.3B-72.2%	-$742.6M-52.2%	-$487.9M+13.6%	-$564.7M-125.5%	-$250.4M-1804.2%	-$13.1M-112.6%	$104.4M
Financing Cash Flow	$4.4B	$4.0B-23.2%	$5.2B+64.1%	$3.2B+1.9%	$3.1B-52.9%	$6.6B+230.5%	$2.0B-18.5%	$2.4B-4.1%	$2.5B+157.3%	$989.5M+25.1%	$791.0M+112.8%	$371.8M-22.9%	$481.9M+272.9%	$129.2M+211.1%	-$116.4M+45.1%	-$212.0M
Dividends Paid	$73.9M	$69.0M+0.4%	$68.7M+0.8%	$68.2M+348.9%	$15.2M+100.0%	$7.6M-84.8%	$49.8M+9.6%	$45.5M+26.6%	$35.9M+45.2%	$24.7M+35.1%	$18.3M	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$50.8M-17.3%	$61.4M+196.8%	$20.7M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Operating Cash Flow	$403.3M+232.2%	$261.7M+205.4%	-$21.7M-111.0%	$499.9M+366.6%	$121.4M-0.5%	$85.7M+177.5%	$197.3M-45.2%	$107.1M+2.3%
Depreciation & Amortization	$28.4M+13.2%	$27.9M+13.7%	$27.3M+18.1%	-$37.6M	$25.1M+243.5%	$24.5M+226.7%	$23.1M+13.1%	N/A
Stock-Based Compensation	$10.9M+4.8%	$11.0M+3.7%	$10.6M+2.1%	N/A	$10.4M+3.2%	$10.6M+14.8%	$10.3M+1.4%	N/A
Capital Expenditures	$27.9M+10.0%	$17.1M-36.3%	$21.3M+23.3%	$25.0M+52.4%	$25.3M+65.4%	$26.9M+143.6%	$17.3M-51.2%	$16.4M+2.1%
Free Cash Flow	$375.4M+290.8%	$244.6M+315.9%	-$43.0M-123.9%	$475.0M+423.4%	$96.0M-9.9%	$58.8M+148.4%	$180.0M-44.5%	$90.8M+2.4%
Investing Cash Flow	-$898.9M-9.3%	-$1.5B-95.4%	-$1.2B-117.3%	-$1.5B-21.3%	-$822.6M+37.3%	-$780.4M-68.7%	-$535.7M+65.7%	-$1.3B+18.9%
Financing Cash Flow	$771.3M-33.3%	$374.7M+2.3%	$1.6B+100.0%	$1.6B+593.7%	$1.2B+127.2%	$366.2M-76.9%	$814.4M-71.4%	$235.9M-71.6%
Dividends Paid	$18.8M+9.2%	$18.9M+9.8%	$18.8M+9.0%	$17.3M+0.4%	$17.2M+0.3%	$17.2M+0.3%	$17.3M+0.6%	$17.2M+0.6%

Not reported in any period shown, so not listed: Share Buybacks.

PNFPP 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.

PNFPP quarterly financial ratios

Metric	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K
Net Margin	27.4%-5.8pp	33.2%-3.1pp	36.3%-3.4pp	39.7%+12.3pp	27.4%-11.5pp	38.9%+0.6pp	38.4%+13.1pp	25.3%-3.2pp	28.5%-1.0pp	29.5%+0.9pp	28.7%+2.8pp	25.9%+5.6pp	20.3%-2.8pp	23.1%+36.5pp	-13.5%
Return on Equity	7.4%-1.9pp	9.3%-0.8pp	10.2%+0.2pp	9.9%+3.6pp	6.4%-2.8pp	9.2%+0.1pp	9.1%+4.4pp	4.7%-3.8pp	8.5%+0.2pp	8.3%-0.5pp	8.8%+0.8pp	8.0%+1.8pp	6.2%0.0pp	6.2%+9.8pp	-3.6%
Return on Assets	0.9%-0.3pp	1.2%-0.2pp	1.3%0.0pp	1.4%+0.5pp	0.9%-0.5pp	1.4%0.0pp	1.4%+0.7pp	0.8%-0.4pp	1.1%0.0pp	1.1%-0.1pp	1.2%+0.1pp	1.0%+0.2pp	0.8%-0.1pp	0.9%+1.4pp	-0.5%
Debt-to-Equity	7.18+0.2x	6.95+0.3x	6.60+0.4x	6.24+0.1x	6.12+0.7x	5.38+0.1x	5.31+0.3x	4.99-1.5x	6.48-0.1x	6.540.0x	6.50-0.2x	6.69+0.3x	6.42+0.6x	5.85-0.4x	6.25
Asset Turnover	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	46.6%+23.0pp	23.6%-11.4pp	35.0%-12.7pp	47.8%+13.7pp	34.1%-3.7pp	37.8%-9.9pp	47.7%+31.4pp	16.3%-14.0pp	30.3%+7.5pp	22.8%-13.5pp	36.3%-18.0pp	54.3%+1.8pp	52.6%-6.1pp	58.6%-7.8pp	66.4%

Metric	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-Q	Q3'2410-Q	Q2'2410-Q	Q1'2410-Q	Q4'2310-K
Net Margin	31.8%+0.4pp	31.4%+16.9pp	30.3%+1.4pp	31.8%+17.1pp	31.4%-1.1pp	14.5%-25.8pp	28.9%-5.2pp	14.7%-15.8pp
Return on Equity	2.5%+0.2pp	2.4%+1.5pp	2.1%+0.1pp	2.4%+0.8pp	2.3%0.0pp	0.9%-2.5pp	2.0%-0.4pp	1.6%-0.9pp
Return on Assets	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp	0.0%0.0pp
Debt-to-Equity	7162.48+170.7x	7256.67+261.6x	7291.86+281.5x	7176.37+230.5x	6991.78-149.1x	6995.08-26.5x	7010.38+72.6x	6945.92+341.8x
Asset Turnover	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x	0.000.0x
FCF Margin	68.9%+48.3pp	48.4%+32.4pp	-9.3%-51.3pp	99.9%+85.9pp	20.6%-5.5pp	16.0%+40.9pp	42.0%-38.7pp	14.1%-5.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Where Pinnacle Financial Partners Ranks

Frequently Asked Questions

What is Pinnacle Financial Partners's annual revenue?

Pinnacle Financial Partners (PNFPP) reported $1.7B in total revenue for fiscal year 2024. 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 Financial Partners's revenue growing?

Pinnacle Financial Partners (PNFPP) revenue grew by 2.4% year-over-year, from $1.7B to $1.7B in fiscal year 2024.

Is Pinnacle Financial Partners profitable?

Yes, Pinnacle Financial Partners (PNFPP) reported a net income of $475.1M in fiscal year 2024, with a net profit margin of 27.4%.

What is Pinnacle Financial Partners's net profit margin?

Pinnacle Financial Partners (PNFPP) had a net profit margin of 27.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is Pinnacle Financial Partners's return on equity (ROE)?

Pinnacle Financial Partners (PNFPP) has a return on equity of 7.4% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Pinnacle Financial Partners's free cash flow?

Pinnacle Financial Partners (PNFPP) generated $809.8M in free cash flow during fiscal year 2024. This represents a 102.4% 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's operating cash flow?

Pinnacle Financial Partners (PNFPP) generated $904.3M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Pinnacle Financial Partners's total assets?

Pinnacle Financial Partners (PNFPP) had $52.6B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Pinnacle Financial Partners's capital expenditures?

Pinnacle Financial Partners (PNFPP) invested $94.5M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Pinnacle Financial Partners have outstanding?

Pinnacle Financial Partners (PNFPP) had 77M shares outstanding as of fiscal year 2024.

What is Pinnacle Financial Partners's debt-to-equity ratio?

Pinnacle Financial Partners (PNFPP) had a debt-to-equity ratio of 7.18 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Pinnacle Financial Partners's return on assets (ROA)?

Pinnacle Financial Partners (PNFPP) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Pinnacle Financial Partners's Piotroski F-Score?

Pinnacle Financial Partners (PNFPP) has a Piotroski F-Score of 3 out of 6 computable signals; 3 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's earnings high quality?

Pinnacle Financial Partners (PNFPP) has an earnings quality ratio of 1.90x, considered cash-backed (high 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.