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PNFPPinnacle Financial Partners, Inc.
$100.28$7.7B
Overview & Verdict
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PNFP logoPinnacle Financial Partners, Inc.(PNFP)Earnings, Financials & Key Ratios

PNFP•NASDAQ•Banking & Credit
$100.28
12.4× P/E·Price updated Jul 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPinnacle 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.Show more
  • Net Interest Income$1.55B+13.4%
  • Total Revenue$2.92B+2.4%
  • Net Income$642M+35.2%
  • Return on Equity9.53%+25.1%
  • Net Interest Margin2.68%+3.3%
  • Efficiency Ratio39.23%+36.6%
  • ROA1.16%+23.2%
  • Equity / Assets12.21%-0.2%
  • Book Value per Share90.60+8.6%

PNFP Price & Volume

Pinnacle Financial Partners, Inc. (PNFP) stock price & volume — 10-year historical chart

Loading chart...

Rapid Asset Scaling Drives Volatile Earnings Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:BHG earnings volatility

Key Thesis Takeaways

  • Pinnacle Financial Partners is executing an aggressive talent-led expansion strategy that has propelled total assets to $122.8 billion as of 2026Q1, though this growth introduces significant operational overhead and earnings volatility.
  • The bank's heavy reliance on the Bankers Healthcare Group investment creates unpredictable non-interest income swings, as evidenced by the $176.4 million loss in 2025Q3.
  • Investors should monitor whether the current 57.2% efficiency ratio can normalize as the bank scales, given the potential for continued margin pressure and credit cost fluctuations.

Verdict Logic

while the forward P/E of 9.84 suggests potential value, the extreme volatility in non-interest income and the recent spike in the efficiency ratio to 57.2% warrant a cautious wait-and-see approach.

PNFP Growth Metrics

Pinnacle Financial Partners, Inc. (PNFP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years25.26%
5 Years19.5%
3 Years23.56%
TTM-

Profit CAGR

10 Years20.99%
5 Years15.5%
3 Years4.62%
TTM32.59%

EPS CAGR

10 Years12.37%
5 Years14.96%
3 Years4.11%
TTM30.42%

Return on Capital

10 Years8.02%
5 Years8.58%
3 Years7.85%
Last Year8.34%

PNFP Recent Earnings

Pinnacle Financial Partners, Inc. (PNFP) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (75%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
Apr 22, 2026
Metric
Actual
Est
EPS
$2.39+3.0%
$2.32
Rev
$1.2B+2.4%
$1.2B
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$2.24-0.9%
$2.26
Rev
$846M+53.1%
$553M
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$2.27+11.3%
$2.04
Rev
$545M+4.0%
$524M
Q3 2025
Jul 15, 2025
Metric
Actual
Est
EPS
$2.00+4.2%
$1.92
Rev
$505M+1.7%
$496M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 22, 2026
$2.39vs $2.32+3.0%
$1.2Bvs $1.2B+2.4%
Q1 2026Jan 21, 2026
$2.24vs $2.26-0.9%
$846Mvs $553M+53.1%
Q4 2025Oct 15, 2025
$2.27vs $2.04+11.3%
$545Mvs $524M+4.0%
Q3 2025Jul 15, 2025
$2.00vs $1.92+4.2%
$505Mvs $496M+1.7%
Based on last 12 quarters of dataView full earnings history →

Latest PNFP News

Recent stock market news and headlines for Pinnacle Financial Partners, Inc. (PNFP)

Business Wire·Jun 18, 2026
Pinnacle Financial Partners Announces New Corporate Headquarters at Ten Twenty Spring in Midtown Atlanta

ATLANTA--(BUSINESS WIRE)---- $PNFP--Portman and Perform Properties today announced Pinnacle Financial Partners (NYSE: PNFP) will establish its corporate headquarters at Ten Twenty Spring, the 525,000-square-foot, Class-A office tower within the Spring Quarter mixed-use district in Midtown Atlanta. Pinnacle will occupy 165,000 square feet of premier office space at Ten Twenty Spring and bring an estimated 400 team members to the building. Pinnacle's bank headquarters remain in downtown Nashville, Tenn. Ha.

Peers Comparison

Key metrics vs top competitors for Pinnacle Financial Partners, Inc. (PNFP)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PNFP logoPNFPPinnacle Financial Partners, Inc.Current
$100.28$7.71B12.402.4%21.97%9.53%0.96%
SFNC logoSFNCSimmons First National Corporation
$22.77$3.3B-7.72-56.66%-63.53%-10.51%—
IBCP logoIBCPIndependent Bank Corporation
$35.90$739.76M10.98-0.3%22.54%14.15%—
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.75$4.98B19.6311.71%31.14%14.2%—
HOMB logoHOMBHome Bancshares, Inc.
$28.74$5.79B11.93-5.35%34.84%11.29%—
AVBH logoAVBHAvidbank Holdings, Inc.
$32.78$285.26M10.54-3.81%29.27%10.53%—

Compare PNFP vs Peers

Pinnacle Financial Partners, Inc. (PNFP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for PNFP.

Scale Benchmark

vs ICE

Larger-name benchmark to compare PNFP against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, IBCP, FFIN, HOMB

PNFP SEC Filings & Documents

Pinnacle Financial Partners, Inc. (PNFP) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jan 2, 2026·SEC

Material company update

Dec 8, 2025·SEC

Material company update

Dec 1, 2025·SEC

10-K Annual Reports

1
FY 2025

Feb 25, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 9, 2025·SEC

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PNFP Frequently Asked Questions

Pinnacle Financial Partners, Inc. (PNFP) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Pinnacle Financial Partners, Inc. growing?

Pinnacle Financial Partners, Inc. (PNFP) grew revenue by 2.4% over the past year. Growth has been modest.

Is PNFP profitable?

Yes, Pinnacle Financial Partners, Inc. (PNFP) is profitable, generating $651.7M in net income for fiscal year 2025 (22.0% net margin).

Dividend & Returns
Does PNFP pay dividends?

Yes, Pinnacle Financial Partners, Inc. (PNFP) pays a dividend with a yield of 0.96%. This makes it attractive for income-focused investors.

What is PNFP's return on equity?

Pinnacle Financial Partners, Inc. (PNFP) has a return on equity (ROE) of 9.5%. This is below average, suggesting room for improvement.

Industry Metrics
What is Pinnacle Financial Partners, Inc.'s net interest margin?

Pinnacle Financial Partners, Inc. (PNFP) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

What is Pinnacle Financial Partners, Inc.'s efficiency ratio?

Pinnacle Financial Partners, Inc. (PNFP) has an efficiency ratio of 39.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PNFP back in 2000?

Total return calculator · dividends reinvested · 26+ years of data

See returns →