Saturday 17 October 2026 Export PNFP’s income statement to Excel — free account

Pinnacle Financial Partners, Inc.

Pinnacle Financial Partners, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 7.59% from fiscal 2024. In the quarter to June 2026, revenue grew 121.3%, EPS grew 2.99%, free cash flow fell 73.2% and total debt rose 365.7%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

94.72 0.33 +0.35%

Follow PNFP

Alert me

Market cap: $14.3B
P/E: 12.9×
Fwd P/E: 12.5×
Dividend yield: 1.84%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.39

Total sells 19.78

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	—	—	—	—	1	—	2	—
Sell	1	—	—	—	—	—	—	—	—	2	—	—

Insider Ownership 1.27%

Capital & Financial Ratios $m

Market Cap 14,260.00

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 12.94

Fwd P/E 12.50

P/S ratio 2.69

P/B ratio 1.02

Past 5Y EPS Growth 14.90%

This Y EPS Growth 22.03%

Next Y EPS Growth 12.39%

Next Y revenue growth 52.78%

Next 5Y EPS Growth 15.96%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 45.60%

10-year low 10-year high

P/S against its own 10 years 30.67%

10-year low 10-year high

P/B against its own 10 years 22.85%

10-year low 10-year high

Dividends

Payout Ratio 0.24

Annual Dividend Rate 1.74

Annual Dividend Yield 1.84%

	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 special payouts not included in total or ratios

Assets vs Liabilities $m

	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

Compound Annual Growth %

	10y	5y	3y
Sales	25.46%	19.79%	22.64%
Cash Flow	24.53%	12.21%	7.86%
Earnings	24.42%	9.35%	6.96%
Book Value	19.81%	7.51%	8.47%

Revenue $m

	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

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	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

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	911	67	—	—	—
’25	(42)	250	377	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

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	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
	High	71.85	71.55	69.85	65.00	65.96	105.28	111.31	90.32	131.91	127.85
People
People	Employees	1,180	2,132	2,297	2,487	2,634	2,841	3,242	3,357	3,565	8,389
	Revenue/emp, $m	0.41	0.37	0.50	0.54	0.51	0.50	0.55	0.83	0.86	0.39
Income, $m
Income, $m	Revenue	485	781	1,148	1,332	1,339	1,427	1,790	2,787	3,069	3,302
	Gross margin, %	92.03	88.11	81.67	77.34	85.12	93.08	86.33	60.84	56.59	62.23
	EBT	191	298	450	498	371	652	697	714	581	780
	EBT margin, %	39.49	38.15	39.21	37.36	27.74	45.69	38.96	25.62	18.94	23.62
	Net income	127	174	359	401	312	527	561	562	475	642
	Depreciation	9	(11)	(4)	29	83	112	128	137	150	156
Per share, $
Per share, $	Revenue	11.26	12.25	14.88	17.44	17.76	18.91	23.64	36.66	40.14	42.96
	Earnings	2.96	2.73	4.66	5.25	4.04	6.79	7.20	7.20	6.01	8.15
	Cash flow	3.54	2.60	6.10	5.65	5.66	8.71	7.99	6.29	11.83	9.87
	Capex	(0.19)	(0.84)	(0.27)	(0.55)	(0.51)	(0.30)	(0.83)	1.59	(1.16)	(0.93)
	Free cash flow	3.35	1.76	5.84	5.10	5.15	8.41	7.16	7.88	10.67	8.94
	Book value	34.78	58.15	51.43	57.04	65.07	70.37	72.88	79.40	84.12	91.64
	Shares, m	43	64	77	76	75	75	76	76	76	77
Valuation, ×
Valuation, ×	P/E	23.47	23.55	9.87	12.21	15.94	14.06	9.89	12.16	18.97	11.71
	P/S	6.15	5.44	3.10	3.67	3.63	5.05	3.02	2.39	2.85	2.22
	P/B	1.99	1.15	0.90	1.12	1.04	1.42	1.02	1.14	1.41	1.07
	EV/Sales	7.33	6.73	4.15	5.39	1.98	3.10	2.86	2.51	2.48	1.81
	EV/FCF	25.86	46.76	10.58	18.42	6.83	6.96	9.43	11.67	9.33	8.69
Cash, $m
Cash, $m	Operating cash flow	152	166	471	431	427	657	605	478	904	759
	Capex	(8)	(53)	(21)	(42)	(39)	(23)	(63)	121	(89)	(72)
	Free cash flow	144	112	450	389	388	635	542	599	816	687
Balance, $m
Balance, $m	Working capital	(177)	(65)	(502)	54	(1,535)	(4,055)	(5,033)	(3,932)	(4,212)	(5,167)
	Total debt	757	1,785	1,929	2,812	1,759	1,312	888	2,563	2,300	2,205
	Net debt	573	1,006	1,207	2,285	(2,203)	(2,790)	(289)	333	(1,136)	(1,360)
	Shareholders’ equity	1,497	3,708	3,966	4,356	4,905	5,311	5,519	6,036	6,432	7,044
Returns, %
Returns, %	ROA	1.28	1.04	1.52	1.52	0.97	1.40	1.36	0.00	0.91	1.14
	ROIC	6.13	4.37	5.54	4.68	8.59	16.16	8.33	7.01	6.86	8.81
	ROE	9.59	6.69	9.37	9.63	6.74	10.47	10.50	0.00	7.64	9.61

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BCH Banco De Chile	$19.8B	14.7×	13.3×	+14.73% (above 0%: growing)	+34.37% (above 0%: growing)	−141.88% (below 0%: shrinking)	79.35%	0.00%	Compare
EWBC East West Bancorp, Inc.	$17.3B	12.1×	11.8×	+3.68% (above 0%: growing)	+17.78% (above 0%: growing)	+112.58% (above 0%: growing)	66.63%	0.00%	Compare
WF Woori Bank	$17.1B	8.1×	—	+37.39% (above 0%: growing)	+1.14% (above 0%: growing)	−106.07% (below 0%: shrinking)	57.49%	0.00%	Compare
BSAC Banco Santander Chile	$15.5B	12.5×	—	+6.76% (above 0%: growing)	+50.00% (above 0%: growing)	+440.00% (above 0%: growing)	67.88%	0.00%	Compare
PNFP Pinnacle Financial Partners, Inc.	$14.3B	12.9×	12.5×	+121.34% (above 0%: growing)	+2.99% (above 0%: growing)	−73.20% (below 0%: shrinking)	66.28%	0.00%
FHN First Horizon Corporation	$10.8B	15.9×	11.3×	−39.55% (below 0%: shrinking)	n/m	+664.86% (above 0%: growing)	52.50%	0.00%	Compare
CIB Grupo Cibest S.A. - Sponsored ADR	$10.7B	19.1×	—	+178.87% (above 0%: growing)	+85.47% (above 0%: growing)	−187.28% (below 0%: shrinking)	71.39%	0.00%	Compare
BPOP Popular, Inc.	$10.0B	10.7×	10.1×	+4.48% (above 0%: growing)	+40.78% (above 0%: growing)	+46.43% (above 0%: growing)	75.20%	0.00%	Compare
UMBF UMB Financial Corporation	$10.0B	10.9×	10.0×	+4.12% (above 0%: growing)	+26.06% (above 0%: growing)	+22.27% (above 0%: growing)	69.66%	0.00%	Compare
Median of peers	$13.1B	12.3×	11.3×	+5.62%	+34.37%	+34.35%	68.77%	0.00%

All 323 Banks Regional stocks →

Pinnacle Financial Partners, Inc. (PNFP) key facts

Strength: Pinnacle Financial Partners, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $3.3 billion, up 7.59% from fiscal 2024.
Pinnacle Financial Partners, Inc. (PNFP) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, PNFP traded at $94.72, a market capitalization of $14.3 billion.
Pinnacle Financial Partners, Inc. pays an annual dividend of $1.74 per share, a yield of 1.84%, with a payout ratio of 23.9%.
Return on equity was 9.61% and debt-to-equity 0.69.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.