Financials · PNFP

Pinnacle Financial Partners Inc. (PNFP) financials

For the twelve months ended Sep 30, 2026, Pinnacle Financial Partners Inc. reported $4.27B of revenue and $1.03B of net income.

Revenue, TTM
$4.27B
Net income, TTM
$1.03B
Net margin
24.0%
Free cash flow, TTM
$1.44B
EPS, diluted, TTM
$7.47
Cash
$7.22B
P/E
14.83
P/S
3.56
Market cap
$15.21B
Annual revenue$2.05B
FY2023FY2025
Annual net income$641.87M
FY2023FY2025
Annual free cash flow$679.08M
FY2023FY2025

PNFP revenue and earnings growth

PNFP revenueQ3 2026$1.31B

Quarter YoY
+141.2%
QoQ
+9.1%
FY YoY
+18.3%

PNFP revenue was $1.31B in fiscal Q3 2026 (ended Sep 30, 2026), up 141.2% from a year earlier and up 9.1% from the prior quarter. For the full fiscal 2025 it was $2.05B, up 18.3% from fiscal 2024.

PNFP net incomeQ3 2026$379.00M

Quarter YoY
+119.1%
QoQ
+15.5%
FY YoY
+35.1%

PNFP net income was $379.00M in fiscal Q3 2026 (ended Sep 30, 2026), up 119.1% from a year earlier and up 15.5% from the prior quarter. For the full fiscal 2025 it was $641.87M, up 35.1% from fiscal 2024.

PNFP EPSQ3 2026$2.40

QoQ
+15.9%
FY YoY
+35.4%

PNFP diluted EPS was $2.40 in fiscal Q3 2026 (ended Sep 30, 2026), up 15.9% from the prior quarter. For the full fiscal 2025 it was $8.07, up 35.4% from fiscal 2024.

PNFP free cash flowQ3 2026$365.00M

Quarter YoY
-3.2%
QoQ
+444.8%
FY YoY
-16.1%

PNFP free cash flow was $365.00M in fiscal Q3 2026 (ended Sep 30, 2026), down 3.2% from a year earlier and up 444.8% from the prior quarter. For the full fiscal 2025 it was $679.08M, down 16.1% from fiscal 2024.

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Income statement

Income statement
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Revenue$2.05B$1.74B$1.70B
Income tax$138.01M$106.15M$151.85M
Net income$641.87M$475.06M$562.15M
EPS, basic$8.15$6.01$7.20
EPS, diluted$8.07$5.96$7.14
Diluted shares77.7M77.1M76.6M

Balance sheet

Balance sheet
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Cash and equivalents$3.56B$3.44B$2.23B
Goodwill$1.85B$1.85B-
Total assets$57.71B$52.59B-
Total liabilities$50.66B$46.16B-
Shareholders' equity$7.04B$6.43B$6.04B

Cash flow

Cash flow
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Operating cash flow$759.01M$904.31M$478.40M
Capital expenditures$79.93M$94.52M$78.26M
Free cash flow$679.08M$809.79M$400.15M
Investing cash flow-$5.03B-$3.67B-$4.60B
Financing cash flow$4.40B$3.97B$5.18B
Dividends paid$74.66M$69.01M$68.74M
Stock-based compensation$43.63M$40.93M$41.88M
Depreciation and amortization$36.80M$35.10M$30.20M

Key ratios

Key ratios
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Revenue growth, YoY18.3%2.4%-
Net income growth, YoY35.1%-15.5%-
EPS growth, YoY35.4%-16.5%-
Net margin31.2%27.4%33.2%
Free cash flow margin33.0%46.6%23.6%
Return on equity9.1%7.4%9.3%
Return on assets1.1%0.9%-

Source: XBRL data Pinnacle Financial Partners Inc. files with the SEC, latest filing dated Nov 2, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PNFP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PNFP$4.27B-$1.03B24.0%$15.21B
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

PNFP FAQ

8 questions
  • What is PNFP revenue?
    Pinnacle Financial Partners Inc. (PNFP) reported $4.27B of revenue for the twelve months ended Sep 30, 2026. Revenue for fiscal 2025 was $2.05B.
  • Is PNFP profitable?
    Yes. Pinnacle Financial Partners Inc. earned $1.03B in net income for the twelve months ended Sep 30, 2026, a net margin of 24.0%.
  • How much cash and debt does PNFP have?
    Pinnacle Financial Partners Inc. reported $7.22B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PNFP revenue growing?
    Pinnacle Financial Partners Inc.'s revenue changed +18.3% in fiscal 2025, to $2.05B.
  • What is PNFP free cash flow?
    Pinnacle Financial Partners Inc. generated $1.44B of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.51B less capital expenditures.
  • What is PNFP earnings per share?
    Diluted earnings per share were $7.47 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PNFP last report financial results?
    The latest statements here come from Pinnacle Financial Partners Inc.'s 10-Q filed on Nov 2, 2026, covering the period ended Sep 30, 2026.
  • Where does this PNFP financial data come from?
    Quantisnow builds these statements from the structured XBRL data Pinnacle Financial Partners Inc. files with the SEC. It is provided for information only and is not investment advice.