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Friday 6 November 2026
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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
100.78
0.71
−0.70%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
11.71 | 18.97 | 12.16 | 9.89 | 14.06 | 15.94 | 12.21 | 9.87 | 23.55 | 23.47 |
Piotroski F-Score |
6 | 5 | 4 | 5 | 6 | 6 | 6 | 6 | 3 | 5 |
P/S ratio |
2.22 | 2.85 | 2.39 | 3.02 | 5.05 | 3.63 | 3.67 | 3.10 | 5.44 | 6.15 |
P/FCF ratio |
10.67 | 10.72 | 11.11 | 9.96 | 11.36 | 12.51 | 12.55 | 7.90 | 37.81 | 21.68 |
P/Operating CF |
63.37 | 17.49 | 62.14 | 51.57 | 32.95 | 38.82 | 41.77 | 23.35 | 92.92 | 40.12 |
P/B ratio |
1.07 | 1.41 | 1.14 | 1.02 | 1.42 | 1.04 | 1.12 | 0.90 | 1.15 | 1.99 |
Price to Tangible BV |
1.48 | 2.01 | 1.69 | 1.58 | 2.22 | 1.72 | 1.97 | 1.68 | 2.31 | 3.20 |
EV/Sales |
1.81 | 2.48 | 2.51 | 2.86 | 3.10 | 1.98 | 5.39 | 4.15 | 6.73 | 7.33 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
7.87 | 8.42 | 14.61 | 8.45 | 6.72 | 6.21 | 16.62 | 10.12 | 31.69 | 23.33 |
EV/FCF |
8.69 | 9.33 | 11.67 | 9.43 | 6.96 | 6.83 | 18.42 | 10.58 | 46.76 | 25.86 |
Quick Ratio |
0.07 | 0.08 | 0.06 | 0.03 | 0.13 | 0.14 | 0.03 | 0.04 | 0.05 | 0.02 |
Current Ratio |
0.89 | 0.90 | 0.90 | 0.86 | 0.87 | 0.94 | 1.00 | 0.97 | 1.00 | 0.98 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.82% | 4.37% | 5.34% | 2.12% | 3.41% | 5.03% | 10.11% | 7.71% | 8.04% | 6.76% |
Debt/Equity |
0.31 | 0.36 | 0.42 | 0.16 | 0.25 | 0.36 | 0.65 | 0.49 | 0.48 | 0.51 |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.21 | 1.97 | 0.00 | 1.11 | 1.28 | 1.40 | 1.08 | 1.31 | 0.95 | 1.20 |
Capex/Depreciation |
(0.46) | (0.59) | 0.88 | (0.49) | (0.20) | (0.47) | (1.47) | 4.65 | 4.96 | (0.92) |
| 9.61% | 7.64% | 0.00% | 10.50% | 10.47% | 6.74% | 9.63% | 9.37% | 6.69% | 9.59% | |
| 1.14% | 0.91% | 0.00% | 1.36% | 1.40% | 0.97% | 1.52% | 1.52% | 1.04% | 1.28% | |
ROIC |
8.81% | 6.86% | 7.01% | 8.33% | 16.16% | 8.59% | 4.68% | 5.54% | 4.37% | 6.13% |
Return on Tangible Assets |
(12.98%) | (11.79%) | 0.00% | (11.60%) | (13.60%) | (24.48%) | 122.20% | (152.05%) | 86.70% | (143.66%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
37.78% | 37.45% | 34.96% | 46.93% | 46.79% | 56.65% | 39.24% | 40.82% | 44.76% | 49.23% |
Intangible Assets out of Total Assets |
0.03 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.07 | 0.07 | 0.08 | 0.05 |
Share Based Compensation of Revenue |
1.32% | 1.33% | 1.50% | 2.21% | 1.75% | 1.40% | 1.59% | 1.54% | 2.50% | 2.26% |
Graham Net Nets |
(1.13) | (0.83) | (1.06) | (1.17) | (0.80) | (0.76) | (0.62) | (0.73) | (0.46) | (0.34) |
Graham Number |
127.62 | 105.01 | 111.36 | 106.57 | 101.54 | 75.19 | 82.01 | 73.51 | 60.85 | 48.05 |
Earnings Yield |
8.54% | 5.27% | 8.22% | 10.11% | 7.11% | 6.27% | 8.19% | 10.13% | 4.25% | 4.26% |
Free Cash Flow Yield |
9.37% | 9.33% | 9.00% | 10.04% | 8.80% | 7.99% | 7.97% | 12.66% | 2.64% | 4.61% |
Revenue per Share |
42.96 | 40.14 | 36.66 | 23.64 | 18.91 | 17.76 | 17.44 | 14.88 | 12.25 | 11.26 |
Operating CF per Share |
9.87 | 11.83 | 6.29 | 7.99 | 8.71 | 5.66 | 5.65 | 6.10 | 2.60 | 3.54 |
Capex per Share |
(0.93) | (1.16) | 1.59 | (0.83) | (0.30) | (0.51) | (0.55) | (0.27) | (0.84) | (0.19) |
Free Cash Flow per Share |
8.94 | 10.67 | 7.88 | 7.16 | 8.41 | 5.15 | 5.10 | 5.84 | 1.76 | 3.35 |
Cash per Share |
46.38 | 44.94 | 29.34 | 15.55 | 54.35 | 52.56 | 6.90 | 9.36 | 12.23 | 4.27 |
Shareholders Equity per Share |
91.64 | 84.12 | 79.40 | 72.88 | 70.37 | 65.07 | 57.04 | 51.43 | 58.15 | 34.78 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
91.64 | 84.12 | 79.40 | 72.88 | 70.37 | 65.07 | 57.04 | 51.43 | 58.15 | 34.78 |
Free Cash Flow |
687.44 | 815.74 | 599.07 | 542.10 | 634.55 | 387.99 | 389.41 | 449.99 | 112.39 | 144.19 |
Working Capital |
(5,166.56) | (4,212.24) | (3,931.90) | (5,032.80) | (4,054.73) | (1,534.67) | 54.11 | (501.96) | (65.34) | (177.46) |
Capital Expenditures |
(71.57) | (88.57) | 120.66 | (62.82) | (22.90) | (38.76) | (42.09) | (20.77) | (53.48) | (8.12) |
Net Current Asset Value |
(8,067.68) | (7,240.96) | (7,039.72) | (6,307.80) | (5,743.92) | (3,704.25) | (3,046.08) | (2,589.63) | (1,965.65) | (1,024.80) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.03 | (0.04) | 0.04 | 0.02 | 0.03 | 0.03 | 0.02 | 0.07 | 0.02 |
Price to Operating Income |
9.37 | 15.05 | 9.32 | 7.74 | 11.06 | 13.07 | 9.82 | 7.76 | 12.88 | 14.67 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.46 | 0.48 | 0.54 | 0.39 | 0.39 | 0.29 | 0.10 | (0.02) | (0.04) | 0.10 |
Cash ROIC |
5.36% | 6.70% | 5.53% | 7.15% | 5.92% | 3.65% | 5.06% | 6.80% | 1.79% | 5.92% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.00 | 0.01 | 0.02 | 0.01 | 0.01 | 0.00 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
13,868.95 | 11,735.53 | 12,890.75 | 52,161.33 | 115,634.11 | 50,751.97 | 24,407.63 | 32,703.15 | 64,685.35 | 82,795.47 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
45,119.76 | 40,691.40 | 36,750.53 | 33,132.89 | 29,505.05 | 23,943.30 | 19,515.07 | 17,650.41 | 12,605.50 | 7,865.36 |
Average Assets |
55,147.75 | 50,274.67 | 44,964.95 | 40,219.71 | 36,701.13 | 31,369.18 | 26,418.27 | 23,618.37 | 16,700.16 | 9,954.58 |
Average Common Equity |
6,520.67 | 6,016.71 | 5,560.46 | 5,197.87 | 4,890.48 | 4,521.62 | 4,160.84 | 3,836.95 | 2,602.32 | 1,326.15 |
Columns are period end dates · fundamentals updated 6 Nov 2026