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

101.65 2.61 −2.50%
Market cap
$15.3B
P/E
13.5×
Fwd P/E
13.0×
Dividend yield
2.20%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Pinnacle Financial Partners, Inc. (PNFP) Free cash flow margin

Alert me on Free cash flow margin

Pinnacle Financial Partners, Inc.'s free cash flow margin over the twelve months to 30 September 2026 was 22.5%, up 1.7 percentage points from fiscal 2025 (20.8%). Over the past ten years it has ranged from 14.4% (fiscal 2017) to 44.5% (fiscal 2021); the current reading is higher than 18% of that period. That is above the Banks Regional industry median of 18.0% and above the Financial sector median of 11.4%.

Free cash flow margin, annual

Embed this chart

Annual newest first

Period Free cash flow margin Change (points)
FY2025 20.8% (5.76)
FY2024 26.6% 5.08
FY2023 21.5% (8.78)
FY2022 30.3% (14.19)
FY2021 44.5% 15.49
FY2020 29.0% (0.26)
FY2019 29.2% (9.97)
FY2018 39.2% 24.82
FY2017 14.4% (15.36)
FY2016 29.8% 7.94

Against its own ten years

Low 14.4% High 44.5%
Ten-year median 29.0%
Current reading's percentile 18

Free cash flow margin against peers

Company Free cash flow margin
WF Woori Bank compare 29.6%
PNFP Pinnacle Financial Partners, Inc. 22.5%
BSBR Banco Santander Brasil SA compare 22.1%
KEY KeyCorp compare 13.5%
BBD Banco Bradesco SA compare 13.2%
BCH Banco De Chile compare 5.94%
FHN First Horizon Corporation compare 0.00%
EWBC East West Bancorp, Inc. compare 0.00%
BSAC Banco Santander Chile compare 0.00%
Banks Regional industry median 18.0%
Financial sector median 11.4%
Market median 0.00%

What Free cash flow margin is

Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.

(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue

The full definition of Free cash flow margin →

More on PNFP