Pinnacle Financial Partners, Inc. (PNFP) Earnings History
Growth Compounder26 years of earnings data (2000–2025) · Consistent double-digit EPS growth over 5 years
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Pinnacle Financial Partners, Inc. (PNFP) Earnings Overview
As of July 8, 2026, Pinnacle Financial Partners, Inc. (PNFP) reported trailing twelve-month net income of $652M, reflecting +35.7% year-over-year growth. The company earned $8.38 per diluted share over the past four quarters, with a net profit margin of 22.0%.
Looking at the long-term picture, PNFP's 5-year EPS compound annual growth rate (CAGR) stands at +15.0%, showing solid earnings momentum. The company achieved its highest annual net income of $642M in fiscal 2025, representing a new all-time high.
Pinnacle Financial Partners, Inc. maintains industry-leading profitability with a gross margin of 65.9%, operating margin of 26.7%, and net margin of 22.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SFNC (-$361M net income, -63.4% margin), IBCP ($70M net income, 21.7% margin), FFIN ($264M net income, 30.7% margin), PNFP has outperformed on profitability metrics. Compare PNFP vs SFNC →
PNFP Earnings vs Peers
Earnings metrics vs comparable public companies
PNFP Historical Earnings Data (2000–2025)
26 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $642M | +35.2% | $780M | $8.09 | 22.0% | 26.7% |
| 2024 | $475M | -15.5% | $581M | $5.96 | 16.6% | 20.4% |
| 2023 | $562M | +0.3% | $714M | $7.14 | 22.7% | 28.9% |
| 2022 | $561M | +6.3% | $697M | $7.17 | 36.2% | 45.0% |
| 2021 | $527M | +68.8% | $652M | $6.75 | 43.4% | 53.6% |
| 2020 | $312M | -22.1% | $371M | $4.03 | 26.0% | 31.0% |
| 2019 | $401M | +11.5% | $498M | $5.22 | 33.5% | 41.6% |
| 2018 | $359M | +106.6% | $450M | $4.64 | 34.2% | 42.9% |
| 2017 | $174M | +36.7% | $298M | $2.70 | 24.3% | 41.7% |
| 2016 | $127M | +33.2% | $191M | $2.91 | 29.5% | 44.4% |
| 2015 | $96M | +35.5% | $143M | $2.52 | 31.1% | 46.6% |
| 2014 | $70M | +22.1% | $106M | $2.01 | 28.3% | 42.4% |
| 2013 | $58M | +37.8% | $86M | $1.67 | 25.1% | 37.3% |
| 2012 | $42M | -4.2% | $63M | $1.10 | 19.1% | 28.5% |
| 2011 | $44M | +280.0% | $29M | $1.09 | 20.4% | 13.3% |
| 2010 | -$24M | +31.5% | -$20M | $-0.93 | -10.1% | -8.3% |
| 2009 | -$36M | -215.0% | -$65M | $-1.46 | -14.5% | -26.4% |
| 2008 | $31M | +34.0% | $43M | $1.27 | 12.8% | 18.0% |
| 2007 | $23M | +28.5% | $33M | $1.34 | 13.3% | 19.0% |
| 2006 | $18M | +122.6% | $26M | $1.18 | 14.3% | 21.0% |
| 2005 | $8M | +51.4% | $11M | $0.85 | 15.6% | 21.8% |
| 2004 | $5M | +108.2% | $7M | $0.61 | 16.3% | 22.9% |
| 2003 | $3M | +294.2% | $4M | $0.32 | 11.9% | 18.5% |
| 2002 | $648,060 | +157.0% | $1M | $0.11 | 4.5% | 7.0% |
| 2001 | -$1M | +49.6% | $0 | $-0.28 | -15.3% | 0.0% |
| 2000 | -$2M | - | $0 | $-0.59 | -362.9% | 0.0% |
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PNFP — Frequently Asked Questions
Quick answers to the most common questions about buying PNFP stock.
What is PNFP earnings per share (EPS)?
PNFP trailing twelve-month (TTM) diluted EPS is $8.38, reflecting +35.7% year-over-year growth. The 5-year EPS CAGR is +15.0%. Complete EPS history from 2000 to 2025 is available in the table on this page.
What is Pinnacle Financial Partners, Inc.'s net income?
Pinnacle Financial Partners, Inc. (PNFP) trailing twelve-month net income is $652M as of 2025. Earnings grew +35.7% year-over-year. Pinnacle Financial Partners, Inc. has been profitable for 15 consecutive years.
Is PNFP profitable?
Yes, PNFP is profitable with a TTM net income of $652M and a net profit margin of +22.0%. Pinnacle Financial Partners, Inc. has generated profits for 15 consecutive years.
What is PNFP's earnings growth rate?
PNFP compound annual EPS growth rates (CAGR): 1-Year: +35.7%, 3-Year: +4.1%, 5-Year: +15.0%, 10-Year: +12.4%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2000 to 2025.
What are PNFP's profit margins?
Pinnacle Financial Partners, Inc. net profit margin is +22.0%, operating margin is +26.7%, and gross margin is +65.9%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.5%.
Is PNFP growing earnings?
Yes, PNFP earnings are accelerating — EPS growth of +35.7% exceeds the 5-year CAGR of +15.0%. TTM net income reached $652M. Earnings momentum is strengthening.
What was PNFP's best earnings year?
Pinnacle Financial Partners, Inc.'s highest annual net income on record is $642M, achieved in fiscal year 2025. Earnings history on this page spans 2000 to 2025 and includes all annual and quarterly figures.
What were PNFP's earnings last quarter?
PNFP's most recent reported quarter was Q1 2026. Net income was $150M with diluted EPS of $1.74. For a full breakdown of all quarters, see the quarterly earnings table on this page.