Pinnacle Financial Partners, Inc.
PNFP Financial Banks Regional
Pinnacle Financial Partners, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 7.59% from fiscal 2024.
- Revenue
- +126.1%
- EPS
- +9.55%
- Free cash flow
- −3.18%
- Total debt
- +353.1%
Quarter to September 2026, against a year earlier
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Pinnacle Financial Partners, Inc. 10-Q filed Nov 2, 2026
Red flags
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Share dilution
Shares outstanding rose 94.7% in a year, to 151.1 million
What changed
Part I, Item 2, Management’s Discussion and Analysis, against the 10-Q filed Aug 4, 2026: 3 added · 2 removed · 43 modified; 36 with only figures updated
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Modified · REGULATORY CAPITAL-RELATED DEVELOPMENTS
On March 19, 2026, the Federal Reserve, the FDIC, and the OCC issued a series of proposed rules to revise the U.S. regulatory capital framework to finalize the post-crisis Basel III reforms. Comments were due by June 18, 2026. As a Category IV banking organization, the Company and the Bank would not be required to adopt the new expanded risk-based approach. However, if implemented as proposed, the rules would impact how the Company and the Bank calculate regulatory capital ratios. Effective dates for the revised rules were not proposed. On September 30, 2026, the Federal Reserve adopted revisions to its stress testing rules effective in 2027 that for a Category IV banking organization, such as Pinnacle, will open the stress test models to public comment and delay revisions to the stress capital buffer to be effective January 1 of the following year rather than October 1 of the current year following receipt of test results. The Company and the Bank will continue to monitor for developments and consider impacts on capital planning.