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+38.0%
5Y+110.0%
10Y+969.0%
3Y+2.0%
5Y+40.0%
10Y+395.0%
3Y+28.0%
5Y+100.0%
10Y+402.0%
PNFP

Pinnacle Financial Partners, Inc. Cash Conversion Engine

PNFP ยท NASDAQ
Net Income475.06M
Depreciation & Amortization98.58M
Stock-Based Compensation40.93M
Change in Working Capital160.97M
Others148.11M
Capital Expenditures-97.02M
Free Cash Flow807.29M

Cash Flow Quality Analysis

FCF Conversion Rate

169.9%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

10.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+101.7%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$160.97M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Pinnacle Financial Partners, Inc. Cash Flow Statement

PNFP โ€ข NASDAQ

Pinnacle Financial Partners, Inc. Cash Flow StatementDec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006Dec 2005
OPERATING ACTIVITIES
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
8.1M
98.6M
78.7M
62.3M
53.3M
45.2M
8.3M
-23.6M
-23.6M
186K
10.3M
9.3M
9.2M
10.2M
11M
11.5M
10.8M
7.3M
4.3M
2M
1.9M
-19.4M
72.4M
19.7M
-12.2M
-58.3M
14.7M
11.8M
59.7M
14.4M
5.8M
394.5K
1.8M
1.5M
-23.4M
17.8M
-24.6M
-2.6M
4M
-1.2M
-575.8K
40.9M
41.9M
39.6M
25M
18.7M
21.2M
17.6M
19.5M
11M
7.3M
5.3M
4.1M
4.4M
5M
4M
3.3M
2.3M
0.0
0.0
0.0
148.1M
-21.8M
31.6M
50.9M
196.9M
-35.4M
69.4M
-9M
621K
-24.5M
5.2M
44.8M
14.5M
23.4M
78.5M
139.7M
7.2M
4.8M
3.2M
-223.2K
(30.8M)
(99.9M)
(128.9M)
(108.3M)
(110.8M)
(87M)
(55.6M)
(81.5M)
(49.5M)
(45.7M)
(31.4M)
(27.2M)
(10.2M)
(4M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
161M
-254.9M
-109.1M
13.2M
-88.1M
21.8M
36.1M
-54.7M
-1.1M
-9.8M
4.4M
8.7M
41.8M
53.4M
42.1M
-3.3M
-11.4M
-19.8M
-10.1M
-1M
904.3M
478.4M
604.9M
657.4M
426.8M
431.5M
470.8M
165.9M
152.3M
84.6M
95.1M
126.4M
114.3M
113.1M
129.6M
90.3M
33.6M
16.4M
11.9M
8.2M
INVESTING ACTIVITIES
-94.5M
-78.3M
-63.5M
-23.2M
-38.8M
-42.2M
-23.7M
-53.5M
-17.1M
-10.9M
-5.9M
-5.3M
-5.9M
-2M
-9.6M
-19.2M
-9.5M
-6.1M
-4.7M
-3.4M
(0.0)
(0.0)
-30.9M
(0.0)
(0.0)
-44.6M
(0.0)
(155.1M)
(17.6M)
(5.9M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-3.8M
(38.1M)
(36.2M)
(0.0)
-2.7B
-1.2B
-1.9B
-2.4B
-1.5B
-1.6B
-1.4B
-1.3B
-685.5M
-420.9M
-154.2M
-243.5M
-222.8M
-268.5M
-550.8M
-721M
-531.7M
-79M
-62.8M
-116.4M
1.4B
495.5M
521.6M
794.7M
671.1M
1.1B
499.2M
691.2M
359.8M
343.7M
127.5M
170.4M
418.8M
402M
470.7M
635.8M
216.6M
52.3M
35.6M
39.7M
-2.2B
-3.8B
-5.3B
-2B
-2.7B
-2B
-2.1B
-1.6B
-954M
-660.4M
-455.4M
-486.3M
-440.5M
-144.6M
194.1M
-336.4M
-643.9M
-391.1M
-303.7M
-178.3M
-3.7B
-4.6B
-6.7B
-3.6B
-3.6B
-2.6B
-3B
-2.1B
-1.3B
-742.6M
-487.9M
-564.7M
-250.4M
-13.1M
(104.4M)
-440.8M
-972.3M
-385.7M
-299.3M
-258.4M
FINANCING ACTIVITIES
-14.4M
-3.7M
-5.5M
-3.8M
-53.3M
-61.4M
-20.7M
192.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
109M
21.5M
877.5K
1.3M
174.8K
-245.8M
1.7B
-454.8M
-450.3M
-1.1B
750.6M
142.8M
913.3M
169.1M
51.1M
102.4M
7.4M
-141.5M
104.8M
-91.2M
10.8M
143.6M
52M
90.3M
42.5M
-84.2M
-83.9M
-83.4M
-70.7M
-57M
-49.8M
-45.5M
-35.9M
-24.7M
-18.3M
-11.4M
-2.8M
-2.1M
-4.9M
-4.8M
-4.4M
(0.0)
(0.0)
(0.0)
(0.0)
-14.4M
-3.7M
-5.5M
-3.8M
-53.3M
-61.4M
-20.7M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
4.3B
3.6B
3.7B
3.6B
7.5B
1.4B
2.4B
1.5B
845.1M
758.3M
280.8M
477.4M
344.1M
-192.5M
-116.1M
311.4M
646.4M
346.4M
229.7M
239.4M
4B
5.2B
3.2B
3.1B
6.6B
2B
2.4B
2.5B
989.5M
791M
371.8M
481.9M
129.2M
-116.4M
-212M
426.9M
906.4M
399.3M
321.2M
282.1M
CASH FLOW SUMMARY
1.2B
1.1B
-2.9B
140.1M
3.4B
-195M
-57.9M
596M
-137.3M
133M
-21M
43.7M
-6.9M
-16.4M
22M
76.3M
-32.3M
30M
33.9M
31.9M
2.2B
1.2B
4.1B
4B
526.7M
721.7M
779.6M
183.6M
321M
187.9M
208.9M
165.3M
172.2M
188.6M
166.6M
90.3M
122.5M
92.5M
58.7M
26.7M
3.4B
2.2B
1.2B
4.1B
4B
526.7M
721.7M
779.6M
183.6M
321M
187.9M
208.9M
165.3M
172.2M
188.6M
166.6M
90.3M
122.5M
92.5M
58.7M
807.3M
400.1M
540.6M
634.3M
387M
389.3M
447M
112.4M
135.3M
73.7M
89.2M
121.1M
108.4M
111.1M
120M
71.1M
24.2M
10.3M
7.3M
4.7M

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