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Pinnacle Financial Partners

PNFP NYSE Regional Banks Financials FY2016–FY2025

Pinnacle Financial Partners' revenue rose 18.3% to $2.1 billion in fiscal 2025. Net income was $642 million, up 35.1%. Its return on equity was 9.5%, up from 7.6% a year earlier. Its efficiency ratio was 56.8%, down from 59.6% a year earlier. It paid out $75 million in dividends and buybacks. The diluted share count rose 0.7%.

Last close · Oct 23, 2026

$100.35

0.1%
Value it Compare
Revenue Total sales reported in the income statement.
$2.1B
18.3% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
56.8%
2.8 pts
Net income Profit after all expenses, interest and tax.
$642M
35.1%
Return on equity Net income as a share of average shareholders' equity.
9.5%
1.9 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$7.8B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
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About these figures. Pinnacle moved under a new holding company (created for its merger with Synovus); years before 2025 come from the former Pinnacle Financial Partners's filings. Deposits are Pinnacle's domestic deposits line, because its filing tags two different deposit totals for the same date.

What Pinnacle Financial Partners does

No business description yet.

Legal name
PINNACLE FINANCIAL PARTNERS, INC.
Fiscal year ends
December 31, 2025
Latest annual report
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Accession · CIK
0002082866-26-000018
0002082866

Revenue and margins

Pinnacle Financial Partners had $2.1B of revenue in fiscal 2025, up 18.3% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

From fiscal 2016 to 2025, diluted EPS grew 12.0% a year. Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Pinnacle Financial Partners returned $74.7M to shareholders in fiscal 2025. The diluted share count rose 0.7%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Value Pinnacle Financial Partners yourself

Change the assumptions and see what they imply per share. These are models, not forecasts or price targets — the answer depends entirely on what you put in.

Earnings multiple

Value per share

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Reference multiples: today 24.9x · peers 12.1x · sector 13.7x.

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $23.2B$28.7B$32.3B——
Deposits $31.3B$35.0B$38.5B$42.8B$47.4B
Loans / deposits 74.0%82.2%83.9%——
Total assets $38.5B$42.0B$48.0B$52.6B$57.7B
Shareholders' equity $5.3B$5.5B$6.0B$6.4B$7.0B
Goodwill $1.8B$1.8B$1.8B$1.8B$1.8B
Intangible assets $33.8M$34.6M$27.5M$21.4M$29.7M
Provision / loans 0.1%0.3%0.3%——

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$1.4M

4 insiders

Sold, 12 months

$19.8M

2 insiders

Of sales under plans

97%

$19.2M

DateInsiderTradeSharesPriceValueFiling
Sep 10, 2026 Gregory G MontanaDirector Bought 500 $98.61 $0.0M Form 4
Sep 1, 2026 Kevin S. BlairChief Executive Officer, Director Bought 2,565 $97.48 $0.3M Form 4
Aug 17, 2026 Turner M TerryDirector Sold plan 54,107 $108.13 $5.9M Form 4
Aug 14, 2026 Turner M TerryDirector Sold plan 66,783 $108.01 $7.2M Form 4
Aug 13, 2026 Turner M TerryDirector Sold plan 53,601 $108.10 $5.8M Form 4
Aug 6, 2026 Turner M TerryDirector Sold plan 2,737 $108.01 $0.3M Form 4
Jul 24, 2026 Robert A McCabe JrChief Banking Officer, Director Bought 10,013 $99.90 $1.0M Form 4
Feb 12, 2026 Andrew J. Gregory Jr.Chief Financial Officer Bought 1,000 $94.52 $0.1M Form 4
Nov 26, 2025 Robert A McCabe JrChairman, Director Sold 6,775 $93.00 $0.6M Form 4

Similar companies

Each company's latest fiscal year. Fiscal years end in different months, so periods don't line up exactly.

CompanyMarket capGrowthOp. marginFCF marginROICP/EF-score
Pinnacle Financial Partners PNFP $7.8B 18.3% — — — — —
Flagstar Bank FLG $4.3B −19.2% — — — — — Compare →
Valley Bank VLY $7.9B 9.3% — — — 11.9x — Compare →
Frost Bank CFR $10.1B 8.3% — — — 14.8x — Compare →
Columbia Banking System COLB $7.4B 19.3% — — — 12.1x — Compare →

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $446M $688M $937M $1.0B $1.1B $1.3B $1.5B $1.7B $1.7B $2.1B
Net interest income $325M $543M $736M $766M $822M $932M $1.1B $1.3B $1.4B $1.5B
Noninterest income $121M $145M $201M $264M $318M $396M $416M $433M $371M $507M
Noninterest expense $236M $367M $453M $505M $565M $660M $780M $888M $1.0B $1.2B
Provision for credit losses — — $34.4M $27.3M $204M $16.1M $67.9M $93.6M $121M $107M
Pretax income $191M $298M $450M $498M $371M $652M $698M $714M $581M $780M
Income tax $64.2M $124M $90.5M $96.7M $59.0M $125M $137M $152M $106M $138M
Net income $127M $174M $359M $401M $312M $527M $561M $562M $475M $642M
Net income to common $127M $174M $359M $401M $305M $512M $546M $547M $460M $627M
Diluted EPS $2.91 $2.70 $4.64 $5.22 $4.03 $6.75 $7.17 $7.14 $5.96 $8.07
Diluted shares 0.04B 0.06B 0.08B 0.08B 0.08B 0.08B 0.08B 0.08B 0.08B 0.08B
Cash flow
Stock-based compensation $11.0M $19.5M $17.6M $21.2M $18.7M $25.0M $39.6M $41.9M $40.9M $43.6M
Share buybacks $0.0M $0.0M $20.7M $61.4M $50.8M $0.0M $0.0M $0.0M $0.0M $0.0M
Dividends paid $24.7M $35.9M $45.5M $49.8M $49.4M $55.5M $68.2M $68.7M $69.0M $74.7M
Dividends and buybacks $24.7M $35.9M $66.2M $111M $100M $55.5M $68.2M $68.7M $69.0M $74.7M
Balance sheet
Loans, net $8.4B $15.6B $17.6B $19.7B $22.1B $23.2B $28.7B $32.3B — —
Deposits $8.8B $16.5B $18.8B $20.2B $27.7B $31.3B $35.0B $38.5B $42.8B $47.4B
Goodwill $552M $1.8B $1.8B $1.8B $1.8B $1.8B $1.8B $1.8B $1.8B $1.8B
Intangible assets $15.1M $56.7M $46.2M $51.1M $42.3M $33.8M $34.6M $27.5M $21.4M $29.7M
Total assets $11.2B $22.2B $25.0B $27.8B $34.9B $38.5B $42.0B $48.0B $52.6B $57.7B
Preferred stock $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M $0.0M
Shareholders' equity $1.5B $3.7B $4.0B $4.4B $4.9B $5.3B $5.5B $6.0B $6.4B $7.0B
Margins
Net margin 28.5% 25.3% 38.4% 38.9% 27.4% 39.7% 36.3% 33.2% 27.4% 31.2%
Net interest share of revenue 72.9% 78.9% 78.6% 74.4% 72.1% 70.2% 73.1% 74.4% 78.6% 75.4%
Efficiency ratio 53.0% 53.3% 48.3% 49.1% 49.5% 49.7% 50.5% 52.4% 59.6% 56.8%
Returns
Return on equity 9.6% 6.7% 9.4% 9.6% 6.8% 10.3% 10.4% 9.7% 7.6% 9.5%
Return on assets 1.3% 1.0% 1.5% 1.5% 1.0% 1.4% 1.4% 1.3% 0.9% 1.2%
Return on tangible equity 15.5% 12.6% 18.2% 17.4% 11.0% 15.8% 15.4% 14.0% 10.5% 12.9%
Growth
Revenue growth 38.0% 54.3% 36.2% 9.9% 10.7% 16.5% 16.4% 9.7% 2.4% 18.3%
Net income growth 33.2% 36.8% 106.6% 11.5% −22.1% 68.8% 6.3% 0.3% −15.5% 35.1%
EPS growth 15.5% −7.2% 71.9% 12.5% −22.8% 67.5% 6.2% −0.4% −16.5% 35.4%
Share count change 15.2% 47.1% 20.4% −0.9% −1.5% 0.4% 0.3% 0.7% 0.6% 0.7%
Financial health
Loans / deposits 95.8% 94.6% 93.5% 97.6% 79.9% 74.0% 82.2% 83.9% — —
Provision / loans — — 0.2% 0.2% 1.0% 0.1% 0.3% 0.3% — —
Capital allocation
Stock comp / revenue 2.5% 2.8% 1.9% 2.1% 1.6% 1.9% 2.6% 2.5% 2.4% 2.1%

Source: SEC EDGAR XBRL filings (CIK 0002082866). Data updated October 18, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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