Pinnacle Financial Partners, Inc. PNFP R3KFINANCIAL
Company Overview
Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.
Why Investors Should Care
Revenue has grown at a 11.1% CAGR over the past five years.
Trades at an undemanding P/E of 13.9.
Maintains a net profit margin of 24.9%.
Carries low leverage with a debt-to-equity ratio of 0.31.
Offers a dividend yield of 2.07%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.79B (+17.8% YoY); net profit $641.87M.
- Trailing 12 Months Year-on-year growth — revenue +137.0%, earnings +3.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 11.1%, profit CAGR 4.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.13% |
| 1 Year: | 137.00% |
Compounded Profit Growth
| 5 Years: | 4.61% |
| 1 Year: | 3.50% |
Stock Price Performance
| 1 Year: | +9.88% |
| 6 Months: | +16.51% |
| 3 Months: | +4.87% |
| 1 Month: | -3.79% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)46.23 · Neutral
P/E of 13.87 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 24.9%.
- Compounding revenue at 11.1% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PNFP Pinnacle Financial Partners, Inc. R3KFINANCIAL | 100.71 | 13.87 | $15.22B | 2.07% | - | 7.65% | 11.13% | 4.61% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 479.00M | 463.12M | 477.50M | 1.19B | 1.18B |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | - | 315.00M | 324.38M | 304.02M | 581.00M | 612.00M |
| Pretax Income | - | - | 195.00M | 209.72M | 205.45M | 189.00M | 419.00M |
| Tax Provision | - | 30.00M | 36.00M | - | 35.67M | 39.00M | 91.00M |
| Net Income | - | - | 159.00M | 173.14M | 169.78M | 150.00M | 328.00M |
| Diluted EPS | - | 1.77 | 2.00 | 2.19 | - | 0.89 | 2.07 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 1.31B | 1.38B | 1.52B | 1.79B |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 244.64M | 1.09B | 1.33B | 1.25B |
| Pretax Income | 697.49M | 714.01M | 581.21M | 779.88M |
| Tax Provision | 136.75M | 151.85M | 106.15M | 138.01M |
| Net Income | 560.74M | 562.15M | 475.06M | 641.87M |
| Diluted EPS | 7.17 | 7.14 | 5.96 | 8.07 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 41.97B | 47.96B | 52.59B | 57.71B |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 1.15B | 2.14B | 3.34B | 3.47B |
| Inventory | - | - | - | - |
| Receivables | 161.18M | 217.49M | 214.08M | 219.76M |
| Total Liabilities | 36.45B | 41.92B | 46.16B | 50.66B |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 888.49M | 2.56B | 2.30B | 2.21B |
| Total Debt | 888.49M | 2.56B | 2.30B | 2.21B |
| Total Equity | 5.52B | 6.04B | 6.43B | 7.04B |
| Shares Outstanding | 76.50M | 76.77M | 77.24M | 77.66M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 604.92M | 478.40M | 904.31M | 759.01M |
| Investing Cash Flow | - | -6.68B | -4.60B | -3.67B | -5.03B |
| Financing Cash Flow | - | 3.16B | 5.18B | 3.97B | 4.40B |
| Capital Expenditure | - | -64.35M | -78.26M | -97.02M | -93.83M |
| Free Cash Flow | - | 540.58M | 400.15M | 807.29M | 665.18M |
| Net Change in Cash | - | -2.92B | 1.05B | 1.21B | 129.16M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | 43.0% | 40.6% | 31.2% | 35.8% |
| ROE % | 10.2% | 9.3% | 7.4% | 9.1% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 11.18% | 16.90M | $1.63B |
| 2 | Wellington Management Group, LLP | 7.37% | 11.14M | $1.08B |
| 3 | FMR, LLC | 6.94% | 10.49M | $1.01B |
| 4 | Vanguard Portfolio Management LLC | 4.57% | 6.91M | $668.35M |
| 5 | Vanguard Capital Management LLC | 4.35% | 6.58M | $636.29M |
| 6 | State Street Corporation | 4.09% | 6.18M | $598.29M |
| 7 | Invesco Ltd. | 3.71% | 5.61M | $542.56M |
| 8 | T. Rowe Price Investment Management, Inc. | 3.56% | 5.38M | $520.54M |
| 9 | Dimensional Fund Advisors LP | 3.38% | 5.10M | $493.58M |
| 10 | NORGES BANK | 2.27% | 3.43M | $332.33M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PNFP
PNFP Initiated Coverage by Morgan Stanley -- Rating Set to Overw - gurufocus.com
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Should You Buy Pinnacle Financial Partners Inc (PNFP) Stock? Benchmark Has a Message - finance.yahoo.com
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Is Pinnacle Financial Partners (PNFP) Undervalued Or Is Its Latest Jump Already Priced In? - simplywall.st
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Insider Purchase: Chief Executive Officer of $PNFP Buys 2,565 Shares - Quiver Quantitative
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PNFP Stock Price and Chart — NYSE:PNFP - tradingview.com
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Pinnacle Financial leaders will speak at a Barclays event Sept. 15 - Stock Titan
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PNFP — Frequently Asked Questions
What is the current share price of Pinnacle Financial Partners, Inc. (PNFP)?
As of 2026-09-19 21:16 PDT, Pinnacle Financial Partners, Inc. (PNFP) trades at $100.71 on NYSE. Its 52-week range is $81.30 to $108.52.
What is the market capitalisation of PNFP?
Pinnacle Financial Partners, Inc. (PNFP) has a market capitalisation of $15.22B on NYSE.
What is the P/E ratio of PNFP?
PNFP trades at a trailing price-to-earnings (P/E) ratio of 13.87. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.04.
Does PNFP pay a dividend?
Pinnacle Financial Partners, Inc. (PNFP) currently offers a dividend yield of 2.07%.
What is the return on equity (ROE) of PNFP?
PNFP has a return on equity (ROE) of 7.65%.
Is PNFP a good stock to buy?
This page provides a data-driven analysis of Pinnacle Financial Partners, Inc. (PNFP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.