Pinnacle Financial Partners, Inc. (PNFP)
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Pinnacle Financial Partners, Inc. (PNFP) reported revenue of $1.2 billion for Q2 FY2026, the quarter ended 30 June 2026, up 138.2% on the same quarter a year earlier. Net income was $328 million, up 106.3% on the year, and diluted earnings per share $2.07. The figures are the company's own, from the 10-Q it filed with the SEC on 4 August 2026.
Revenue$1.2 billionup 138.2%
Net income$328 millionup 106.3%
Diluted EPS$2.07
QuarterQ2 FY2026ended 30 June 2026
Pinnacle Financial Partners (PNFP) in brief
Pinnacle Financial Partners (PNFP) reported revenue of $2.4 billion for fiscal 2025, the year ended 31 December 2025, up 21.1% on the year before.
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Net income was $792 million and diluted earnings per share $8.07. Revenue was $2.0 billion in fiscal 2024 and $2.2 billion in fiscal 2023. Net income in the same years was $482 million and $544 million. Over the twelve months to 30 June 2026, Pinnacle Financial Partners reported revenue of $3.4 billion and net income of $777 million. Pinnacle Financial Partners declared $1.48 a share in dividends over the last four quarters and had 151 million shares outstanding at the latest filed count. At the close of 8 October 2026 the market cap of Pinnacle Financial Partners was $14.3 billion, 14.1 times its earnings over the last twelve months.Ratios
From the filings
ROE5.2%
Net margin22.9%
Debt to equity0.41
Share count, 1 year-0.1%
Sales CAGR, 3 yearsn/a
Profit CAGR, 3 yearsn/a
EPS, TTM$6.73
At the close of 8 October 2026
Price$94.67
Market cap$14.3 billion
Stock P/E14.07
Price to book0.96
EV / EBITDAn/a
Dividend yield1.6%
Market cap / sales4.22
52-week high$109.03
52-week low$82.10
Price, 1 year3.4%
Price CAGR, 3 years12.6%
Price CAGR, 5 years-0.4%
Worked from the filed figures; hover a name for the formula.
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The priced ones use the latest daily close from SimFin. Debt to equity here stands on long-term debt as Pinnacle Financial Partners, Inc. files it, at the balance sheet of 31 December 2025, the latest that carries it, with lease liabilities counted separately and never inside it. Pinnacle Financial Partners, Inc. files on the bank format, which does not report a return on capital employed, an operating margin or interest cover, so those are left out here rather than shown as a blank. Free cash flow margin and cash conversion are left out too, by our choice: a bank's operating cash flow moves with its lending and deposits, so neither ratio means for a bank what it means for an operating company. Nothing here is a valuation or a view.PNFPgreeksoup.ai
Daily closes to 8 October 2026, adjusted for splits; prices from SimFin.
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Day by day for the last three years; before that one point a week, carrying the week's last close and its average daily volume, so a volume bar means the same thing across the whole series; the bars sit under the price on their own scale, on the right. The moving averages need consecutive days and are drawn from the daily part. P/E is the close over the trailing four quarters' EPS as filed at each filing date, on the current share count; the dashed line is the median over the range shown. Sales and margin are quarterly revenue and the operating margin from the tables above. EV/EBITDA, price to book and market cap to sales use the latest filed balance sheet and share count at each date. Before the quarters on file begin, P/E, price to book and market cap to sales stand on each annual report from the day it was filed. Drawn in your browser; the range and overlay you pick are remembered here only.The public record on PNFP
| Filings | 24 in twelve months: 12 current reports (8-K), about 4 regulation fd disclosure; 3 officer or director change; 3 results of operations; 2 other events; 1 charter or bylaw amendment, or fiscal year change |
| Planned insider sales | 7 Form 144 notices in twelve months, $21.4 million; latest 17 August 2026 |
| Options tape | put/call 0.29 by open interest at the 8 October 2026 close; the straddle prices a 6.0% move to 16 October 2026 |
| 13F holders | 9 of the followed funds hold it; largest FMR LLC; 8 Schedule 13D or 13G filings in twelve months |
| Insider trading | 4 sales and 4 purchases on Form 4 in twelve months |
| Congress | 0 House trades disclosed in six months |
| Short interest | 5.0 million shares short, 5.71 days to cover at 15 September 2026 |
| Documents | the 10-K, the 10-Qs, the proxy and 3 earnings press releases, each linked |
Quarterly results, the last 4 quarters
| Q1 FY2025 | Q2 FY2025 | Q1 FY2026 | Q2 FY2026 | |
|---|---|---|---|---|
| Revenue | 462 | 505 | 1,217 | 1,203 |
| Pre-tax income | 170 | 195 | 189 | 419 |
| Tax rate | 18% | 18% | 21% | 22% |
| Net income | 140 | 159 | 150 | 328 |
| Net margin | 30% | 31% | 12% | 27% |
| Diluted EPS | $1.77 | $2.00 | $0.89 | $2.07 |
| Operating cash flow | -22.0 | 261 | 926 | 90.0 |
| Capital expenditure | 20.0 | 11.0 | 15.0 | 23.0 |
| Free cash flow | -42.0 | 250 | 911 | 67.0 |
| Dividends paid | 19.0 | 19.0 | 75.0 | 75.0 |
| Shares outstanding | 151m | 151m | 151m | 151m |
| Filing | 10-Q | 10-Q | 10-Q | 10-Q |
Each quarter as filed, linked to its filing.
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Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and the share count are as they are. Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Cash flow lines filed year to date are the difference between two filings. Shares outstanding are at the period end where the balance sheet tags them, otherwise the count on the filing's cover page. A derived fourth-quarter EPS is left blank when a split in the year makes the arithmetic meaningless.Income statement (profit and loss), 3 fiscal years and the trailing twelve months
Play it forward: change any box and its column follows; every box opens at the company's own record, shown under the row's name, and says when you set it outside every year in the table.
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Each column runs from the last twelve months as filed to the year chosen in its heading, at a yearly rate. Sales growth starts at the company's own five-year rate and eases a third of the way each year toward the median of the 59 peers in Banking (7.1% a year), because a rate far from the rest rarely lasts. Before you open a year, the strip reads today's price backwards: the yearly sales growth that brings EPS, at the company's own margins, tax and share count, to today's price at the median P/E of the 61 peers in Banking (12.0). Low, middle, high opens three columns for one year: the low and high cases take the company's own weaker and stronger years in the table (the lower and upper quarter of its yearly sales growth and operating margin) and the lower and higher of today's P/E and its peers'; the middle is the boxes as they open. Net income keeps the share that went to minority holders; EPS is net income over the diluted shares, on the same basis as the EPS in the table. The price is that year's EPS at the P/E you set, and the yearly return runs from today's price to the year's end. These are your assumptions and your arithmetic, not an estimate of ours. The link carries your columns, so you can send the forecast to someone.| FY2023 † | FY2024 † | FY2025 † | TTM | |
|---|---|---|---|---|
| Revenue | 2,221 | 1,989 | 2,410 | 3,387 |
| Pre-tax income | 696 | 605 | 1,019 | 973 |
| Income tax | 154 | 126 | 228 | 196 |
| Effective tax rate | 22.1% | 20.7% | 22.4% | 20.1% |
| Net income | 544 | 482 | 792 | 777 |
| Net margin | 24.5% | 24.3% | 32.9% | 22.9% |
| Diluted EPS | $7.14 | $5.96 | $8.07 | $6.73 |
| Filing | 10-K | 10-K | 10-K |
From each year's 10-K, linked; TTM is the last four quarters.
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Free cash flow is operating cash flow less capital expenditure; the effective tax rate is income tax over pre-tax income; margins are the line over revenue. Gross profit is revenue less cost of revenue, and operating income is revenue less the company's own total costs, where the statement does not print those lines. Those four are arithmetic on the filed numbers; everything else is as filed. Money is in $ million as the company files it, or in $ billion by the switch above the tables; per share figures and share counts are as they are. † The year as the company last restated it in a later filing; rest on a figure for the one first filed. EPS is as filed.Cash flow and capital returned
| FY2023 † | FY2024 † | FY2025 † | TTM | |
|---|---|---|---|---|
| Operating cash flow | 1,283 | 821 | 676 | 1,255 |
| Capital expenditure | 32.2 | 56.2 | 33.2 | 69.0 |
| Free cash flow | 1,250 | 765 | 643 | 1,186 |
| Cash from investing | 324 | 178 | -1,485 | -7,625 |
| Cash from financing | -1,133 | -456 | 353 | 10,009 |
| Depreciation and amortisation | 38.2 | 37.4 | 39.0 | 236 |
| Share-based compensation | 32.2 | 32.0 | 34.1 | 131 |
| Buybacks | 0.0 | 272 | 142 | n/a |
| Dividends paid | 216 | 220 | 271 | 188 |
| Dividend per share | $1.52 | $1.52 | $1.56 | $1.48 |
| Diluted shares, weighted | 77m | 77m | 78m | 151m |
| Shares outstanding at period end | n/a | 77m | 78m | 151m |
| Filing | 10-K | 10-K | 10-K |
Cash paid in the year, from the cash flow statement.
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The dividend per share is as declared. Diluted shares are the weighted average for the year; a falling count is the buybacks net of issuance. TTM sums the last four quarters; the share counts are the latest quarter's.Balance sheet at year end
| FY2023 † | FY2024 † | FY2025 † | TTM | |
|---|---|---|---|---|
| Funded by | ||||
| Shareholders' equity | 6,036 | 5,245 | 5,993 | 14,828 |
| Non-controlling interest | n/a | 21.7 | 20.2 | n/a |
| Deposits | n/a | 51,095 | 51,324 | 100,898 |
| Repurchase agreements | n/a | n/a | 316 | 850 |
| Debt | n/a | 1,733 | 2,456 | n/a |
| Other liabilities | n/a | 2,139 | 1,249 | 12,479 |
| Total liabilities and equity | n/a | 60,234 | 61,359 | 129,055 |
| Owned | ||||
| Fixed assets | n/a | 311 | 340 | n/a |
| Goodwill | 480 | 480 | 480 | 3,479 |
| Intangible assets | n/a | 21.4 | 29.7 | 1,045 |
| Securities held for sale or to maturity | n/a | 8,383 | 9,159 | 20,601 |
| Loans | n/a | 42,122 | 44,148 | 87,120 |
| Resale agreements | n/a | 16.3 | 24.5 | n/a |
| Cash and equivalents | 2,451 | 2,994 | 2,538 | 7,651 |
| Other assets | n/a | 5,905 | 4,640 | 9,159 |
| Total assets | n/a | 60,234 | 61,359 | 129,055 |
| Filing | 10-K | 10-K | 10-K | |
At the fiscal year end; the TTM column is the latest quarter end.
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Both totals are the company's own. Other liabilities is the filed total less the rows above it: payables, deferred revenue, taxes, borrowings the rows above do not carry and the rest; other assets is the same on the other side. Investments add the current and non-current lines as filed. Debt is the company's own stated total where it files one, otherwise its long-term debt with the current maturities, never parts added together. A row is left blank in a year where the lines shown overlap and the remainder would fall below nil.Compounded growth
| 10 years | 5 years | 3 years | TTM | |
|---|---|---|---|---|
| Sales growth, compounded | n/a | n/a | n/a | n/a |
| Profit growth, compounded | n/a | n/a | n/a | n/a |
| Return on equity, average | n/a | n/a | 10.5% | 13.2% |
Yearly growth, compounded; TTM is the last four quarters against the four before.
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Return on equity is net income over shareholders' equity at each year end, averaged over the window (the TTM column is the latest year alone); equity is the parent's shareholders' equity as tagged in the 10-K. Arithmetic on filed numbers, nothing forecast.Peers: Banking
| Company | Market cap | P/E | ROE | Op. margin | Sales growth TTM | Debt to equity | Div. yield |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase & Co. JPM | $881.0 billion | 14.20 | 17.4% | n/a | 13.5% | 1.23 | 1.8% |
| Bank of America Corp. BAC | $376.2 billion | n/a | n/a | n/a | n/a | 1.13 | 2.1% |
| Wells Fargo & Company WFC | $248.4 billion | 11.94 | 12.5% | n/a | 6.2% | 1.01 | 2.1% |
| Citigroup Inc. C | $224.1 billion | 13.83 | 8.4% | n/a | 10.0% | 1.57 | 1.9% |
| Mizuho Financial Group Inc. MFG * | $130.3 billion | 18.06 | 10.7% | n/a | 38.1% | n/a | 1.9% |
| Capital One Financial Corp. COF | $122.3 billion | 12.34 | 9.2% | n/a | 45.3% | 0.39 | 1.5% |
| U.S. Bancorp USB | $88.9 billion | 11.38 | 12.1% | n/a | 6.7% | 0.87 | 3.6% |
| PNC Financial Services Group, Inc. PNC | $87.6 billion | 12.09 | 11.5% | n/a | 13.2% | 1.34 | 3.0% |
| Truist Financial Corp. TFC | $56.4 billion | 10.57 | 8.6% | n/a | 4.1% | 0.67 | 4.5% |
| Shinhan Financial Group Co. Ltd. SHG * | $36.0 billion | 10.34 | 8.6% | n/a | n/a | 0.96 | 2.5% |
| Huntington Bancshares Inc. HBAN | $31.1 billion | 11.91 | 7.4% | n/a | 26.4% | 0.57 | 4.0% |
| Regions Financial Corp. RF | $23.1 billion | 11.05 | 11.8% | n/a | 4.4% | 0.25 | 3.8% |
All 67 in Banking
| Company | Market cap | P/E | ROE | Op. margin | Sales growth TTM | Debt to equity | Div. yield |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase & Co. JPM | $881.0 billion | 14.20 | 17.4% | n/a | 13.5% | 1.23 | 1.8% |
| Bank of America Corp. BAC | $376.2 billion | n/a | n/a | n/a | n/a | 1.13 | 2.1% |
| HSBC Holdings plc HSBC * | $318.1 billion | 15.44 | 10.6% | 41.0% | 3.7% | n/a | 4.2% |
| Royal Bank of Canada RY * | $267.8 billion | 19.37 | 14.6% | n/a | 16.1% | n/a | n/a |
| Mitsubishi UFJ Financial Group Inc. MUFG * | $253.7 billion | 23.48 | 8.8% | 34.1% | 22.6% | n/a | 2.2% |
| Wells Fargo & Company WFC | $248.4 billion | 11.94 | 12.5% | n/a | 6.2% | 1.01 | 2.1% |
| Citigroup Inc. C | $224.1 billion | 13.83 | 8.4% | n/a | 10.0% | 1.57 | 1.9% |
| American Express Co. AXP | $208.0 billion | 18.70 | 33.4% | n/a | 10.7% | 1.66 | 1.1% |
| Banco Santander, S.A. SAN * | $198.0 billion | 13.30 | 12.5% | n/a | 0.5% | n/a | 1.9% |
| Toronto-Dominion Bank TD * | $192.3 billion | 14.04 | 15.6% | n/a | 18.4% | n/a | 2.8% |
| Banco Bilbao Vizcaya Argentaria, S.A. BBVA * | $149.4 billion | 13.21 | 17.0% | 43.7% | 4.1% | n/a | 3.2% |
| Mizuho Financial Group Inc. MFG * | $130.3 billion | 18.06 | 10.7% | n/a | 38.1% | n/a | 1.9% |
| Capital One Financial Corp. COF | $122.3 billion | 12.34 | 9.2% | n/a | 45.3% | 0.39 | 1.5% |
| Bank of Montreal BMO * | $113.9 billion | 20.02 | 9.9% | n/a | 10.6% | n/a | 3.2% |
| HDFC Bank Limited HDB * | $112.9 billion | 15.44 | 8.6% | n/a | 5.2% | n/a | 2.2% |
| Itaú Unibanco Holding S.A. ITUB * | $108.4 billion | n/a | 21.9% | n/a | -0.2% | n/a | n/a |
| Bank of Nova Scotia BNS * | $107.8 billion | 21.93 | 9.0% | n/a | 12.1% | n/a | 3.9% |
| Canadian Imperial Bank of Commerce CM * | $100.4 billion | 18.02 | 13.1% | n/a | 13.8% | n/a | 2.8% |
| ING Groep N.V. ING * | $97.0 billion | 10.68 | 15.4% | n/a | n/a | n/a | 4.5% |
| Sumitomo Mitsui Financial Group, Inc. SMFG * | $96.9 billion | 13.49 | 6.2% | n/a | 26.1% | 0.58 | 3.7% |
| Bank of New York Mellon Corp. BNY | $96.8 billion | 16.61 | 14.1% | n/a | 10.6% | 0.68 | 1.4% |
| U.S. Bancorp USB | $88.9 billion | 11.38 | 12.1% | n/a | 6.7% | 0.87 | 3.6% |
| PNC Financial Services Group, Inc. PNC | $87.6 billion | 12.09 | 11.5% | n/a | 13.2% | 1.34 | 3.0% |
| Barclays plc BCS * | $79.7 billion | 10.27 | 9.2% | n/a | 8.8% | n/a | 2.1% |
| Lloyds Banking Group plc LYG * | $79.6 billion | 14.73 | 9.8% | n/a | 7.9% | n/a | 3.3% |
| Nu Holdings Ltd. NU * | $74.7 billion | 26.31 | 25.4% | n/a | 37.0% | 0.39 | n/a |
| NatWest Group plc NWG * | $70.5 billion | 9.61 | 12.9% | n/a | 13.2% | n/a | 4.4% |
| Truist Financial Corp. TFC | $56.4 billion | 10.57 | 8.6% | n/a | 4.1% | 0.67 | 4.5% |
| State Street Corp. STT | $48.1 billion | 15.45 | 12.2% | n/a | 12.3% | 0.91 | 1.8% |
| Fifth Third Bancorp FITB | $46.0 billion | 17.36 | 6.8% | n/a | 23.8% | 0.51 | 3.0% |
| Banco Bradesco S.A. BBD * | $45.9 billion | n/a | 13.3% | n/a | n/a | 0.22 | 4.6% |
| Coinbase Global, Inc. COIN | $45.4 billion | n/a | -7.6% | 9.9% | -10.4% | 0.45 | n/a |
| KB Financial Group Inc. KB * | $43.8 billion | 10.76 | 9.9% | 47.5% | 5.4% | n/a | 2.1% |
| ORIX Corporation IX * | $41.2 billion | n/a | 10.0% | 13.7% | 15.9% | n/a | 2.8% |
| Shinhan Financial Group Co. Ltd. SHG * | $36.0 billion | 10.34 | 8.6% | n/a | n/a | 0.96 | 2.5% |
| M&T Bank Corp. MTB | $31.4 billion | 11.52 | 10.9% | n/a | 5.8% | 0.49 | 2.6% |
| Huntington Bancshares Inc. HBAN | $31.1 billion | 11.91 | 7.4% | n/a | 26.4% | 0.57 | 4.0% |
| Northern Trust Corp. NTRS | $30.8 billion | 14.40 | 16.7% | n/a | 15.1% | n/a | 1.8% |
| Citizens Financial Group Inc. CFG | $27.1 billion | 13.90 | 8.1% | n/a | 11.0% | 0.58 | 2.7% |
| Synchrony Financial SYF | $24.0 billion | 7.55 | 20.8% | n/a | 0.3% | 0.97 | 1.6% |
| Regions Financial Corp. RF | $23.1 billion | 11.05 | 11.8% | n/a | 4.4% | 0.25 | 3.8% |
| Keycorp KEY | $21.4 billion | 11.69 | 10.3% | n/a | 51.6% | 0.55 | 4.1% |
| East West Bancorp Inc. EWBC | $17.3 billion | 12.14 | 15.6% | n/a | 13.7% | 0.00 | 1.9% |
| Pinnacle Financial Partners, Inc. PNFP | $14.3 billion | 14.07 | 5.2% | n/a | n/a | 0.41 | 1.6% |
| Ally Financial Inc. ALLY | $11.5 billion | 8.88 | 9.4% | n/a | 11.5% | 1.10 | 3.2% |
| First Horizon Corp. FHN | $11.0 billion | 11.15 | 11.5% | n/a | 10.3% | n/a | 2.6% |
| UMB Financial Corp. UMBF | $9.9 billion | 10.86 | 11.7% | n/a | 39.3% | 0.06 | 1.3% |
| SouthState Bank Corp. SSB | $9.8 billion | 10.58 | 10.4% | n/a | 25.2% | 0.05 | 2.3% |
| Wintrust Financial Corp. WTFC | $9.7 billion | 11.58 | 12.0% | n/a | 11.5% | 0.00 | 1.4% |
| Cullen/Frost Bankers, Inc. CFR | $9.5 billion | 14.40 | 14.8% | n/a | 7.4% | n/a | 2.6% |
| OLD National Bancorp ONB | $9.5 billion | 10.99 | 10.3% | n/a | 34.1% | 0.60 | 2.3% |
| Zions Bancorporation, National Association ZION | $9.2 billion | 7.99 | 15.2% | n/a | -64.1% | 0.25 | 2.8% |
| Western Alliance Bancorporation WAL | $8.2 billion | 8.50 | 12.5% | n/a | 19.7% | 0.19 | 2.2% |
| Columbia Banking System, Inc. COLB | $8.1 billion | 11.37 | 9.4% | n/a | 33.6% | n/a | 5.2% |
| Valley National Bancorp VLY | $7.0 billion | 10.81 | 8.8% | n/a | 12.2% | 0.49 | 3.5% |
| Prosperity Bancshares Inc. PB | $6.7 billion | 11.56 | 6.8% | n/a | 13.3% | 0.28 | 1.7% |
| United Bankshares Inc. UBSI | $6.2 billion | 12.45 | 9.3% | n/a | 14.5% | 0.10 | 3.3% |
| FNB Corp. FNB | $6.1 billion | 10.29 | 8.8% | n/a | 11.8% | 0.29 | 2.8% |
| Hancock Whitney Corp. HWC | $5.9 billion | 14.26 | 9.6% | n/a | -0.2% | 0.04 | 2.5% |
| Home Bancshares Inc. HOMB | $5.7 billion | 11.77 | 10.5% | n/a | 7.1% | 0.96 | 2.8% |
| Glacier Bancorp, Inc. GBCI | $5.6 billion | 17.61 | 7.2% | n/a | 32.2% | n/a | 3.1% |
| Associated Banc-Corp ASB | $5.4 billion | 10.06 | 9.0% | n/a | 45.6% | 1.01 | 3.2% |
| First Financial Bankshares Inc. FFIN | $4.5 billion | 16.81 | 13.5% | n/a | 12.4% | 0.45 | 2.4% |
| SLM Corp. SLM | $4.3 billion | 6.33 | 29.7% | n/a | 11.5% | 2.36 | 2.3% |
| International Bancshares Corp. IBOC | $4.3 billion | 10.32 | 12.2% | n/a | 4.0% | n/a | 2.0% |
| Texas Capital Bancshares Inc. TCBI | $4.0 billion | 12.03 | 10.0% | n/a | 33.1% | 0.14 | n/a |
| Euronet Worldwide, Inc. EEFT | $2.4 billion | 9.99 | 23.4% | 11.5% | 5.8% | 2.16 | n/a |
20 companies share its SEC industry code (National Commercial Banks); the rest are the names nearest in size in its wider industry, Banking, one of the Fama-French 48 industries, a published grouping of SEC industry codes.
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By market capitalisation; a click on a heading sorts by it, largest first, and a second click turns it round. Each figure is the same arithmetic as the ratio box above, on each company's own filings and latest close; a name marked * is a foreign company that files once a year, on its latest fiscal year.Filings
| Filing | Period | Filed | Where |
|---|---|---|---|
| 10-Q | 30 June 2026 | 4 August 2026 | EDGAR |
| 10-Q | 31 March 2026 | 6 May 2026 | EDGAR |
| 10-K | 31 December 2025 | 2 March 2026 | EDGAR |
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