Pinnacle Financial Partners, Inc. (New York Stock Exchange:PNFP)
Pinnacle Financial Partners, Inc. has a live Insider Score.
Scored on 2 qualifying trades from 2 insiders in the last 90 days.
Keeps a healthy share of every dollar it sells.
- Revenue
- $6.32B
- Net income
- $1.03B
- Net margin
- 16.2%
A manageable debt load.
- Total debt
- $10.57B
- Cash
- $7.22B
- Net debt / EBITDA
- 2.26x
Owes more within a year than it holds to pay it.
- Current assets
- $28.48B
- Current liabilities
- $103.62B
- Current ratio
- 0.27
The business funds itself from operations.
- Operating cash flow
- $1.53B
- Free cash flow
- $1.51B
- FCF margin
- 23.9%
Heavy dilution — shareholders are paying for the business.
- Shares outstanding
- 151.1M
- Share growth (1y)
- 96.5%
Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.
PNFP Income Statement
| Fiscal Period | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 |
|---|---|---|---|---|---|---|
| Period Ending | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 |
| Revenue | 1.97 B | 1.71 B | 1.80 B | 846.22 M | 544.80 M | 820.23 M |
| Revenue Growth (YoY) | 260.68 % | 108.84 % | 152.84 % | 13.51 % | -27.48 % | 25.51 % |
| Cost of Revenue | 739.00 M | 675.00 M | 581.00 M | 304.02 M | 31.94 M | 339.48 M |
| Gross Profit | 1.23 B | 1.04 B | 1.22 B | 542.20 M | 512.86 M | 480.75 M |
| SG&A Expense | 499.00 M | 480.00 M | 629.00 M | 248.54 M | 303.00 M | 190.02 M |
| R&D Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 749.00 M | 619.00 M | 1.03 B | 336.76 M | 303.14 M | 286.45 M |
| Operating Income | 477.00 M | 419.00 M | 189.00 M | 205.45 M | 209.72 M | 194.30 M |
| Pretax Income | 477.00 M | 419.00 M | 189.00 M | 205.45 M | 209.72 M | 194.30 M |
| Tax Provision | 98.00 M | 91.00 M | 39.00 M | 35.67 M | 36.36 M | 35.76 M |
| Net Income | 379.00 M | 328.00 M | 150.00 M | 169.78 M | 173.37 M | 158.54 M |
| EPS (Basic) | 2.41 | 2.07 | 1.75 | 2.16 | 2.20 | 2.01 |
| EPS (Diluted) | 2.40 | 2.07 | 1.74 | 2.13 | 2.19 | 2.00 |
| Shares Outstanding | 151.11 M | 151.10 M | 76.93 M | 76.93 M | 76.90 M | 76.89 M |
Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.