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Pinnacle Financial Partners, Inc.

PNFP

$101.52 ▼ -2.74 (-2.63%) at close

10 Visible periods

30 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Pinnacle Financial Partners, Inc. shows strong fundamentals with top-quartile Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $15.3B

Dividend Yield 0.49%

Revenue Growth 141.2% ↗

Op. Margin 36.4% ↗

ROIC None

FCF / Share None

Trailing P/E 42.1x

Price / Book 1.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.31B

↑ +141.2% —

Net Income Profit after all expenses

$379.00M

↑ +119.1% —

Operating Margin Operating profit as % of sales

36.4%

↑ +4.4% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns →

Dividend History

Dividend / share · sourced from SEC filings

$0.50 Latest / share

+0.0% YoY

Q4 FY2022

Q4 FY2023

Q4 FY2024

$0.24

Q1 FY2025

$0.24

Q2 FY2025

$0.24

Q3 FY2025

Q4 FY2025

$0.50

Q1 FY2026

$0.50

Q2 FY2026

$0.50

Q3 FY2026

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	141.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2253%)	138.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2204%)	163.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+2624%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	9.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	3.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	119.1% Excellent ↑ Excellent Improving Year-over-year change in net income	106.3% Excellent Excellent Year-over-year change in net income	7.1% Fair Fair Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

💰 Are margins durable? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	34.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	15.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—	38.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	38.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	36.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	—	—
Effective Tax Rate (%) (%)	20.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	17.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.5% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	28.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	12.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	—	31.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	31.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	30.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—
Return on Common Equity (%) (%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	2.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$8.68	$7.96	$8.06	—	$7.07	$6.57	$6.02	—	—	—
Basic EPS, GAAP (USD)	$2.41	$2.07	$0.89	$2.15	$2.20	$2.01	$1.78	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.50	$0.50	$0.50	—	$0.24	$0.24	$0.24	—	—	—
Book Value per Share (USD)	$96.75	$98.20	$96.65	$90.70	$89.15	$86.32	$85.28	$83.27	—	—
Tangible Book Value per Share (USD)	$73.68	$75.16	$84.40	$66.51	$89.15	$86.32	$85.28	$59.05	—	—
Basic Weighted Avg Shares (shares)	151.11M	151.10M	151.00M	—	76.90M	76.89M	76.73M	—	—	—
Dividend Payout Ratio (%)	20.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	10.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$14.61B	$14.83B	$14.59B	$7.04B	$6.86B	$6.64B	$6.54B	$6.43B	$6.04B	$5.52B

📋 What is driving earnings? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$1.31B	$1.20B	$1.22B	—	$544.00M	$505.00M	$462.00M	—	—	—
Net Income, GAAP (USD)	$379.00M	$328.00M	$150.00M	$168.87M	$173.00M	$159.00M	$140.00M	—	—	—
Operating Cash Flow (USD)	$376.00M	$90.00M	$926.00M	$116.01M	$404.00M	$261.00M	$-22.00M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	3.0%	3.0%	2.8%	—	—	—	—	—	—
Efficiency Ratio (%) (%)	57.1%	59.9%	78.2%	—	55.7%	56.6%	59.5%	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 4 years · 10 quarters

Pinnacle Financial Partners, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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