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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

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
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Pinnacle Financial Partners, Inc. (PNFP) Piotroski F-score

Alert me on Piotroski F-score

Pinnacle Financial Partners, Inc.'s Piotroski F-score for fiscal 2025 is 6 out of 9: 6 of nine tests of profitability, leverage and efficiency passed, up from 5 in fiscal 2024.

Piotroski F-score, annual

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Annual newest first

Period Piotroski F-score Change (points)
FY2025 6 1.00
FY2024 5 1.00
FY2023 4 (1.00)
FY2022 5 (1.00)
FY2021 6 0.00
FY2020 6 0.00
FY2019 6 0.00
FY2018 6 3.00
FY2017 3 (2.00)
FY2016 5 —

How fiscal 2025’s score is made up

Test This year Year before Result Points
Positive return on assets 1.14% 0.91% Pass 1
Positive operating cash flow 759.01m 904.31m Pass 1
Rising return on assets 1.14% 0.91% Pass 1
Cash flow above net income 132.34m 444.44m Pass 1
Falling long-term leverage 0.04 0.05 Pass 1
Rising current ratio 0.89 0.90 Fail 0
No new shares issued 76,863,400 76,460,900 Fail 0
Rising gross margin 62.23% 56.59% Pass 1
Rising asset turnover 0.06 0.06 Fail 0
Piotroski F-score Mixed 6

How the Piotroski F-score works

One point for each of nine tests, this fiscal year against the one before: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, a rising current ratio, no new shares issued, a rising gross margin and rising asset turnover. The ratios are the ones on this site, so each can be checked.

Joseph Piotroski (2000) called 8–9 high and 0–1 low; reading it in three bands is the common convention:

7–9Strong — most fundamentals improved
4–6Mixed
0–3Weak — most fundamentals deteriorated

Where this differs from the paper: return on assets is on average rather than beginning-of-year assets, and weighted basic shares stand in for shares issued. The score is shown only when all nine tests can be worked out, which takes three fiscal years; banks and insurers, which report no current assets or gross profit, have none.

Piotroski F-score against peers

Company Piotroski F-score
KEY KeyCorp compare 7
EWBC East West Bancorp, Inc. compare 7
BSAC Banco Santander Chile compare 7
BCH Banco De Chile compare 6
BSBR Banco Santander Brasil SA compare 6
WF Woori Bank compare 6
PNFP Pinnacle Financial Partners, Inc. 6
FHN First Horizon Corporation compare 5
BBD Banco Bradesco SA compare 4

What Piotroski F-score is

The Piotroski F-Score tells an investor how many signs of improving profitability, funding and efficiency a company shows against a year earlier.

One point for each of nine tests against a year earlier: positive return on assets, positive operating cash flow, rising return on assets, cash flow above net income, falling long-term leverage, rising current ratio, no new shares issued, rising gross margin, and rising asset turnover

The full definition of Piotroski F-score →

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