Pinnacle Financial Partners, Inc.

Pinnacle Financial Partners, Inc.

PNFPยทNASDAQ

$97.33

+0.53%
Financial ServicesBanks - Regional

Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company accepts various deposits, including savings, checking, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts. Its loan products include commercial loans, such as equipment and working capital loans; commercial real estate loans comprising investment properties and business loans secured by real estate; and loans to individuals consisting of secured and unsecured installment and term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit, as well as provides credit cards for consumers and businesses. The company also offers various securities and other financial products; investment products; brokerage and investment advisory programs; and fiduciary and investment management services, such as personal trust, endowments, foundations, individual retirement accounts, pensions, and custody. In addition, it provides insurance agency services primarily in the property and casualty area; merger and acquisition advisory services; and private debt, equity and mezzanine, and other middle-market advisory services. Further, the company offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. It serves individuals, small to medium-sized businesses, and professional entities. As of December 31, 2020, the company operated 114 offices, including 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.

At a Glance

Live Snapshot
Market Cap$7.48B
EPS8.1500
P/E Ratio11.43
Earnings Date07/21/2026
3Y+89.0%
5Y+144.0%
10Y+578.0%
3Y+15.0%
5Y+106.0%
10Y+405.0%
3Y+38.0%
5Y+110.0%
10Y+969.0%
Pinnacle Financial Partners, Inc.

Pinnacle Financial Partners, Inc. Profit Bridge

PNFP ยท NASDAQ
Revenue2.92B
Cost of Goods Sold (996.13M)
Gross Profit1.93B
Operating Expenses (1.15B)
Operating Income779.88M
Interest Expense (1.25B)
Other Income/Expense0.00
Pretax Income779.88M
Income Tax (137.78M)
Net Income642.10M
Net Income
642.10M

Profitability Analysis

Gross Margin

65.9%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

26.7%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

22.0%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

17.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Pinnacle Financial Partners, Inc. Income Statement

PNFP โ€ข NASDAQ

Pinnacle Financial Partners, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
2.9B
2.9B
2.5B
1.5B
1.2B
1.2B
1.2B
1B
714.9M
431.1M
307.4M
249.1M
230.1M
219.6M
214.6M
239.7M
245.4M
240.8M
173.5M
125.5M
GROSS PROFIT
(996.1M)
(1.5B)
(1.2B)
(312.6M)
(114.9M)
(403.1M)
(329.1M)
(244.8M)
(116.5M)
(56.9M)
(27.7M)
(16.8M)
(23.2M)
(28.1M)
(58.7M)
(112.7M)
(191.7M)
(103.1M)
(79.9M)
(52.5M)
1.9B
1.4B
1.3B
1.2B
1.1B
796.1M
866.2M
804.8M
598.5M
374.2M
279.6M
232.3M
206.8M
191.5M
155.9M
127M
53.7M
137.7M
93.5M
73M
OPERATING INCOME
(1.1B)
(819.5M)
(575.8M)
(539.2M)
(449.2M)
(424.7M)
(368.7M)
(354.8M)
(300.5M)
(182.8M)
(136.5M)
(126.7M)
(120.9M)
(128.9M)
(127.4M)
(146.9M)
(118.6M)
(94.5M)
(60.5M)
(46.6M)
(922.3M)
(678.7M)
(587.6M)
(558.6M)
(472.1M)
(368.9M)
(345.5M)
(299.4M)
(231.4M)
(155.1M)
(119.7M)
(98.6M)
(92.2M)
(89.7M)
(85M)
(70.4M)
(62.2M)
(54.3M)
(37.8M)
(28.7M)
779.9M
581.2M
714M
697.5M
651.9M
371.4M
497.5M
449.9M
298M
191.4M
143.1M
105.7M
85.9M
62.5M
28.5M
-19.9M
-64.9M
43.2M
33M
26.4M
PRE-TAX INCOME
(1.2B)
(1.3B)
(1.1B)
(244.6M)
(98.8M)
(199.3M)
(301.8M)
(210.4M)
(92.8M)
(38.6M)
(18.5M)
(13.2M)
(15.4M)
(22.6M)
(36.9M)
(59M)
(74.9M)
(91.9M)
(75.2M)
(48.7M)
1.5B
1.4B
1.3B
1.1B
932.4M
821.8M
766.1M
736.3M
543.3M
325M
236.6M
193M
175.9M
162.9M
151.5M
144.4M
130.8M
114.2M
75.7M
61M
(224.1M)
(140.7M)
-11.8M
-19.4M
-22.9M
(55.8M)
(23.2M)
(55.4M)
(69M)
(27.7M)
(16.8M)
(28.1M)
(28.8M)
(39.2M)
(42.4M)
(76.5M)
(56.4M)
(40.2M)
(22.7M)
(17.9M)
779.9M
581.2M
714M
697.5M
651.9M
371.4M
497.5M
449.9M
298M
191.4M
143.1M
105.7M
85.9M
62.5M
28.5M
-19.9M
-64.9M
43.2M
33M
26.4M
NET INCOME
(137.8M)
(106.2M)
(151.9M)
(136.8M)
(124.6M)
(59M)
(96.7M)
(90.5M)
(124M)
(64.2M)
(47.6M)
(35.2M)
(28.2M)
(20.6M)
-15.2M
(4.4M)
-29.4M
(12.4M)
(10M)
(8.5M)
642.1M
475.1M
562.2M
560.7M
527.3M
312.3M
400.9M
359.4M
174M
127.2M
95.5M
70.5M
57.7M
41.9M
43.7M
-24.3M
-35.5M
30.9M
23M
17.9M

SEC Filings

PNFP - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

January 02, 2026
January 02, 2026
2026
8-K

8-K 2025

N/A

December 08, 2025
December 08, 2025
2025
8-K

8-K 2025

N/A

December 01, 2025
December 01, 2025
2025
8-K

8-K 2025

N/A

November 26, 2025
November 25, 2025
2025
8-K

8-K 2025

N/A

November 06, 2025
November 06, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 04, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 28, 2025
October 28, 2025
2025
8-K

8-K 2025

N/A

October 16, 2025
October 15, 2025
2025
8-K

8-K 2025

N/A

August 28, 2025
August 27, 2025
2025
10-Q

10-Q 2025 Q2

Q2

August 07, 2025
June 30, 2025
2025
Showing 1 to 10 of 403 filings