Pinnacle Financial Partners, Inc. PNFP

94.97 1.09 1.16% as of 25 Sep
Market cap
$14.3B
P/E
13.0×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 1.83
Total sells 19.78
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 — — — 1 — — — — 1 — 2
Sell — 1 — — — — — — — — 2 —
Insider Ownership 1.27%

Capital & Financial Ratios

Market Cap 14,270.00
Revenue 5,329.22
Net Income 820.87
Free Cash Flow 1,457.44
Net Debt 2,602.00
Current Ratio 0.94
Debt/Equity 0.69
P/E ratio 12.97
P/S ratio 2.69
P/B ratio 1.02
Past 5Y EPS Growth 2.69%
This Y EPS Growth 21.78%
Next Y EPS Growth 12.31%
Next 5Y EPS Growth 15.71%
in millions of $

Dividends

Payout Ratio 0.11
Annual Dividend Rate 0.88
Annual Dividend Yield 1.18%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.00
0.50
0.50
0.50
2025 0.96
0.24
0.24
0.24
0.24
2024 0.88
0.22
0.22
0.22
0.22
2023 0.88
0.22
0.22
0.22
0.22
2022 0.88
0.22
0.22
0.22
0.22
2021 0.72
0.18
0.18
0.18
0.18
2020 0.64
0.16
0.16
0.16
0.16
2019 0.64
0.16
0.16
0.16
0.16
2018 0.58
0.14
0.14
0.14
0.16
2017 0.56
0.14
0.14
0.14
0.14
2016 0.56
0.14
0.14
0.14
0.14
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 2,230 3,436 3,565 7,651
Receivables — — — —
Inventory — — — —
Other — — — —
34,884 38,917 42,595 95,422
2023 2024 2025 Q'26
Payables 38,540 42,843 47,397 100,898
ST’ Debt — — — —
Other — — — —
38,816 43,129 47,761 101,748
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 25.46% 19.79% 22.64%
Cash Flow 24.53% 12.21% 7.86%
Earnings 20.70% 15.51% 4.73%
Book Value 19.81% 7.51% 8.47%

Revenue

Mar Jun Sep Dec Year
’26 1,798 1,815 — — —
’25 766 820 869 847 3,302
’24 761 703 810 796 3,069
’23 596 749 718 724 2,787
’22 362 418 477 533 1,790
’21 345 357 365 360 1,427
’20 333 325 340 340 1,339
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 926 90 — — —
’25 (22) 261 404 116 759
’24 197 86 121 500 904
’23 360 (111) 122 107 478
’22 52 148 300 105 605
’21 120 167 152 219 657
’20 57 129 117 125 427
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 911 67 — — —
’25 (42) 249 376 103 687
’24 180 59 101 475 816
’23 325 76 107 91 599
’22 42 135 276 89 542
’21 114 163 145 212 635
’20 50 116 105 117 388
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.89 2.07 — — —
’25 1.77 2.00 2.19 2.13 8.07
’24 1.57 0.64 1.86 1.91 5.96
’23 1.76 2.54 1.69 1.19 7.14
’22 1.65 1.86 1.91 1.76 7.17
’21 1.61 1.69 1.75 1.71 6.75
’20 0.37 0.83 1.42 1.42 4.03
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
43.32 58.40 43.23 45.41 27.80 62.46 67.86 43.31 73.62 81.57

Analyst estimates 2026–2028

Powerpack
Low Price
71.85 71.55 69.85 65.00 65.96 105.28 111.31 90.32 131.91 127.85
High Price
1,180 2,132 2,297 2,487 2,634 2,841 3,242 3,357 3,565 8,389
Employees
0 0 0 1 1 1 1 1 1 0
Revenue/Emp
485 781 1,148 1,332 1,339 1,427 1,790 2,787 3,069 3,302
Revenue
92.03% 88.11% 81.67% 77.34% 85.12% 93.08% 86.33% 60.84% 56.59% 62.23%
Gross Margin
191 298 450 498 371 652 697 714 581 780
EBT
39.49% 38.15% 39.21% 37.36% 27.74% 45.69% 38.96% 25.62% 18.94% 23.62%
EBT Margin
127 174 359 401 312 527 561 562 475 642
Net Income
9 (11) (4) 29 83 112 128 137 150 156
Depreciation
11.26 12.25 14.88 17.44 17.76 18.91 23.64 36.66 40.14 42.96
Revenue/Sh
2.96 2.73 4.66 5.25 4.04 6.79 7.20 7.20 6.01 8.15
Earnings/Sh
3.54 2.60 6.10 5.65 5.66 8.71 7.99 6.29 11.83 9.87
Cash Flow/Sh
(0.19) (0.84) (0.27) (0.55) (0.51) (0.30) (0.83) 1.59 (1.16) (0.93)
Capex/Sh
3.35 1.76 5.84 5.10 5.15 8.41 7.16 7.88 10.67 8.94
Free CF/Sh
34.78 58.15 51.43 57.04 65.07 70.37 72.88 79.40 84.12 91.64
Book Value/Sh
43 64 77 76 75 75 76 76 76 77
Shares
23.47 23.55 9.87 12.21 15.94 14.06 9.89 12.16 18.97 11.71
PE Ratio
6.15 5.44 3.10 3.67 3.63 5.05 3.02 2.39 2.85 2.22
PS Ratio
1.99 1.15 0.90 1.12 1.04 1.42 1.02 1.14 1.41 1.07
PB Ratio
7.33 6.73 4.15 5.39 1.98 3.10 2.86 2.51 2.48 1.81
EV/Sales
25.86 46.76 10.58 18.42 6.83 6.96 9.43 11.67 9.33 8.69
EV/FCF
152 166 471 431 427 657 605 478 904 759
Op' Cash Flow
(8) (53) (21) (42) (39) (23) (63) 121 (89) (72)
Capex
144 112 450 389 388 635 542 599 816 687
FCF
(177) (65) (502) 54 (1,535) (4,055) (5,033) (3,932) (4,212) (5,167)
Working Cap'
757 1,785 1,929 2,812 1,759 1,312 888 2,563 2,300 2,205
Total Debt
573 1,006 1,207 2,285 (2,203) (2,790) (289) 333 (1,136) (1,360)
Net Debt
1,497 3,708 3,966 4,356 4,905 5,311 5,519 6,036 6,432 7,044
Sh' Equity
1.28% 1.04% 1.52% 1.52% 0.97% 1.40% 1.36% 1.22% 0.91% 1.14%
ROA
6.13% 4.37% 5.54% 4.68% 8.59% 16.16% 8.33% 7.01% 6.86% 8.81%
ROIC
9.59% 6.69% 9.37% 9.63% 6.74% 10.47% 10.50% 9.84% 7.64% 9.61%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Pinnacle Financial Partners, Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Pinnacle Financial Partners, Inc. (PNFP) key facts

  • Pinnacle Financial Partners, Inc. (PNFP) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • Pinnacle Financial Partners, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 7.59% from fiscal 2024.
  • As of September 25, 2026, PNFP traded at $94.97, a market capitalization of $14.3 billion.
  • Pinnacle Financial Partners, Inc. pays an annual dividend of $0.88 per share, a yield of 1.18%, with a payout ratio of 11.1%.
  • Return on equity was 9.61% and debt-to-equity 0.69.

Source: company filings (standardised) and stockrow calculations.

Pinnacle Financial Partners, Inc. (PNFP) Latest News

News by impact score

Fine-tune

22 Sep

4

Pinnacle Financial Partners will release third-quarter 2026 results after the market close on Oct. 21, 2026. A live webcast with CEO Kevin Blair and CFO Jamie Gregory is scheduled for Oct. 22 at 8 a.m. ET to review results, outlook, and other matters. The earnings release and presentation will be posted on Pinnacle's investor relations site, with the webcast audio streaming there and archived for one year. Pinnacle is a $129.1 billion asset regional bank offering banking, investment, trust, mortgage, and insurance services. In 2026 it merged with Synovus Financial Corp., expanding scale and capabilities. Pinnacle is the largest bank headquartered in Tennessee and the largest bank holding company in Georgia, with No. 1 Nashville MSA deposit market share and No. 4 in Atlanta MSA, plus offices across eight states. It has been recognized as a top employer, ranking No. 12 on Fortune's 2026 Best Companies to Work For and No. 4 among America's Best Banks to Work For (American Banker 2025). Merger with Synovus represents a major strategic shift likely to alter Pinnacle's scale, footprint, and competitive positioning.

4

FDIC data for the 12 months ended June 30, 2026 show Pinnacle Financial Partners holding $98.2 billion in deposits across its FDIC-covered MSAs, with 3.73% market share, up $6.2 billion (6.7%) from the pro forma 2025 baseline. Pinnacle remains No.1 in Nashville ($22.7B, 21.1% share, +5%), and No.4 in Atlanta ($17.1B, 6.7%, +12%), after merging with Synovus on Jan. 1, 2026. It also leads Columbus, GA, with $5.4B and 57.1% share. Across 39 MSAs, Pinnacle gained share in 29 and posted double-digit growth in 17 markets; 2 markets posted triple-digit growth. The results reflect the first six months as a combined firm, with local teams focusing on client service and recruiting. Pinnacle notes its expansion in Georgia, Tennessee and beyond, including milestones in Florida, Virginia, the Carolinas, Alabama and Maryland, aided by 138 new revenue-producing hires in 2026 through mid-July. FDIC data show material deposit growth and share gains across Southeast markets after the Synovus merger, boosting Pinnacle's scale and market position.

8 Sep

4

Pinnacle Financial Partners is positioned to outgrow peers after its Synovus merger, according to Morgan Stanley. Synovus merger constitutes a major strategic move that can significantly alter PNFP growth trajectory and investor sentiment.

15 Aug

3

Pinnacle Financial Partners (PNFP) Q2 earnings are examined within regional banks sector results. Q2 earnings details for PNFP can moderately shift investor sentiment on financial performance.

4 Aug

3

Pinnacle Financial Partners reported broad-based loan growth in Q2 supported by integration efforts that strengthen the company's outlook. Broad-based loan growth and integration efforts indicate moderate positive effects on PNFP financial performance and market position.

23 Jul

4

Pinnacle Financial Partners reported Q2 results and discussed loan growth, deposits, net interest margin and strategic outlook during its earnings call. Q2 earnings call delivers key financial metrics and guidance that directly shape near-term stock valuation and investor positioning.

3

Pinnacle Financial Partners added experienced revenue producers in the second quarter while accelerating its growth model. Hiring revenue producers supports ongoing operations and revenue expansion but does not signal major strategic or market-altering developments.

3 transcript

Pinnacle Financial Partners, Inc. Q2 2026 earnings call covered quarterly financial results, operational updates and forward outlook. Quarterly earnings call delivers financial metrics and guidance that moderately shape near-term investor views and stock movement.

22 Jul

3

Pinnacle Financial Partners beat Q2 earnings and revenue estimates. Q2 earnings and revenue beats signal stronger financial results than expected.

3

Pinnacle Financial Partners reported Q2 earnings, comparing key financial metrics against analyst estimates. Q2 earnings metrics versus estimates can shift near-term investor sentiment and stock valuation for the company.

3

Pinnacle Financial Partners missed Q2 CY2026 sales expectations. Sales miss signals revenue weakness that may pressure near-term valuation and investor sentiment.

3

Pinnacle Financial Partners, Inc. reported its earnings for the second quarter of 2026. Quarterly earnings release supplies core financial results that shape near-term valuation and sentiment.

15 Jul

3

Pinnacle Financial Partners (PNFP) earnings are projected to grow ahead of next week's quarterly release. Earnings growth expectations can moderately shift near-term investor sentiment and share price.

6 Jul

3

Pinnacle Financial Partners (NASDAQ:PNFP) Q1 results are benchmarked against other regional banks. Q1 benchmarking reveals PNFP's relative performance and may shift near-term investor views on its regional banking position.

11 Jun

4

Pinnacle Financial Partners plans expanded hiring and balance sheet adjustments to drive growth and upside performance. Hiring expansion and balance sheet moves represent major strategic actions that can materially improve future growth and market positioning.

13 May

4

Pinnacle Financial Partners (PNFP) stock evaluated for buy, sell, or hold following Q1 earnings release, analyzing financial results, growth outlook, and market positioning. Q1 earnings outcomes and buy/sell/hold recommendation significantly sway PNFP's investor sentiment and stock trajectory.

25 Apr

4

Pinnacle Financial Partners (PNFP) delivered a strong Q1 earnings beat and progressed on its Synovus merger, potentially driving positive investor responses. Strong Q1 earnings beat combined with Synovus merger progress constitutes a major strategic advancement likely to enhance PNFP's growth trajectory and investor sentiment.

24 Apr

4

Pinnacle Financial Partners (PNFP) delivered strong Q1 performance as merger integration accelerated growth, realized expense synergies, and supported strategic expansion. Merger integration fuels growth, expense synergies, and strategic expansion, significantly boosting PNFP's trajectory and investor sentiment.

3

Pinnacle Financial Partners, Inc. (PNFP) released Q1 earnings call highlights detailing financial performance, strategic updates, and outlook. Q1 earnings call highlights affect PNFP's financial performance and investor sentiment but are balanced by ongoing operations.

23 Apr

4

Pinnacle Financial Partners added 50 new revenue-producing team members in 1Q26 to power its recruiting growth engine. Hiring 50 revenue-producing team members accelerates PNFP's expansion and future revenue potential through strategic recruitment.

3

Pinnacle Financial Partners, Inc. (PNFP) released Q1 2026 earnings call summary detailing quarterly financial performance, strategic updates, and future outlook. Quarterly earnings summaries provide insights into financial health and guidance that moderately influence PNFP's market performance and investor sentiment.

22 Apr

4

Pinnacle Financial Partners (PNFP) Q1 earnings and revenues beat analyst estimates. Q1 earnings and revenue beats indicate strong financial performance likely boosting stock price and investor sentiment.

4

Pinnacle Financial Partners (PNFP) Q1 earnings and revenues beat estimates. Beating Q1 earnings and revenue estimates signals strong financial performance, likely enhancing investor sentiment and stock trajectory.

4

Pinnacle Financial Partners (NASDAQ:PNFP) reported better-than-expected sales for Q1 CY2026. Better-than-expected Q1 CY2026 sales indicate strong revenue growth, likely driving positive investor sentiment and enhanced market performance for PNFP.

4

Pinnacle Financial Partners, Inc. (PNFP) announced earnings for the first quarter of 2026. Quarterly earnings announcements significantly impact stock performance and investor sentiment.

20 Apr

3

Pinnacle Financial Partners (PNFP) Q1 earnings preview outlines key metrics for investors to watch, including EPS estimates, revenue growth, net interest margin, loan and deposit trends, credit quality, and expense management amid economic pressures. Q1 earnings preview highlights financial metrics that could moderately influence PNFP's performance and investor sentiment.

15 Apr

3

Pinnacle Financial Partners (PNFP) earnings are expected to grow ahead of next week's release, highlighting key factors to watch. Expected earnings growth previews financial performance, potentially influencing investor sentiment and stock trajectory moderately.

25 Mar

4

Pinnacle Financial Partners (PNFP) narrative shifts post-Synovus merger, altering its strategic outlook and market positioning. Synovus merger constitutes a major strategic move significantly impacting PNFP's trajectory and investor sentiment.

19 Mar

4

Pinnacle Financial Partners, Inc. (PNFP) has joined the KBW Nasdaq Bank Index (BKX). Inclusion in the KBW Nasdaq Bank Index boosts PNFP's visibility to investors and attracts passive fund inflows, significantly enhancing market performance.

1 Mar

3

Pinnacle Financial Partners (PNFP) valuation scrutinized amid inflation-driven credit risk jitters. Inflation-driven credit risk jitters moderately influence PNFP's valuation and market sentiment.

stockrow.com/PNFP · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com