
Pinnacle Financial Partners, Inc.
PNFPNYSEFinancial ServicesBanks - Regional
Previous close
$102.26
+$0.27 · +0.26%
PNFP company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
87
Deep Value
Momentum
45
Neutral
Sentiment
66
Bullish
Risk resilience
71
Moderate Risk
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Company profile
Company websitePinnacle Financial Partners, Inc. functions as a bank holding company, overseeing Pinnacle Bank, which delivers a comprehensive range of banking solutions and services across the United States. The company facilitates various types of deposit accounts for its clients, including savings accounts, standard checking accounts (both interest-bearing and noninterest-bearing), money market accounts, and certificates of deposit. Its lending portfolio is extensive, covering commercial loans for purposes like equipment financing and working capital, along with commercial real estate loans for investment properties and business ventures backed by real estate. For individual clients, Pinnacle Bank offers secured and unsecured installment loans, term loans, lines of credit, residential first mortgage loans, and home equity loans and lines of credit. Additionally, it issues credit cards for both consumers and businesses. Beyond traditional banking, Pinnacle Financial Partners provides a suite of securities and other financial offerings, diverse investment products, and comprehensive brokerage and investment advisory programs. It also specializes in fiduciary and investment management services, catering to personal trusts, endowments, foundations, individual retirement accounts (IRAs), pensions, and custody arrangements. Further expanding its services, the company operates an insurance agency, predominantly focusing on property and casualty coverage. It also offers expert advice on mergers and acquisitions, and provides specialized advisory services for private debt, equity, mezzanine financing, and other middle-market transactions. For day-to-day banking needs, Pinnacle offers treasury management, telephone and online banking, mobile banking, debit cards, direct deposit, remote and mobile deposit capture options, automated teller machines (ATMs), and various cash management services. Its diverse clientele includes individuals, small to medium-sized businesses, and professional organizations. As of December 31, 2020, the company maintained a network of 114 offices: 48 in Tennessee, 36 in North Carolina, 20 in South Carolina, 9 in Virginia, and 1 in Georgia. Pinnacle Financial Partners, Inc. was established in 2000 and its main corporate office is located in Nashville, Tennessee.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Kevin S. Blair
- Listed since
- Aug 22, 2000
- Employees
- 8,433
Market position
Day range
Current $102.26
52-week range
Current $102.26
- Open
- $102.69
- Previous close
- $101.99
- Volume
- 448.77K
- 0.36× average
- Average volume
- 1.26M
- Average daily volume
- Market cap
- 15.44B USD
- Beta
- 1.02
- Market reference 1
- 50-day average
- $101.52
- +0.73% above average
- 200-day average
- $95.9281
- +6.60% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 6.3B USD
- EV / EBITDA
- 7.52×
- Earnings yield
- 8.75%
- Free cash flow yield
- 9.06%
Profitability & efficiency
- Return on equity
- 9.12%
- Return on assets
- 1.11%
- Return on invested capital
- 6.71%
Financial health
- Current ratio
- 1.07×
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2.92B USD | 2.85B USD | 2.47B USD | 1.55B USD | 1.22B USD |
| Cost of goods sold | 996.13M USD | 1.45B USD | 1.18B USD | 312.57M USD | 114.94M USD |
| Gross profit | 1.93B USD | 1.4B USD | 1.29B USD | 1.24B USD | 1.1B USD |
| Selling, general, and administrative | 922.32M USD | 678.72M USD | 587.55M USD | 558.62M USD | 472.06M USD |
| Operating expenses | 1.15B USD | 819.46M USD | 575.79M USD | 539.23M USD | 449.18M USD |
| Interest income | 2.8B USD | 2.7B USD | 2.35B USD | 1.37B USD | 1.03B USD |
| Interest expense | 1.25B USD | 1.33B USD | 1.09B USD | 244.64M USD | 98.81M USD |
| Depreciation and amortization | 57.93M USD | 98.58M USD | 78.7M USD | 62.3M USD | 53.26M USD |
| Operating income | 779.88M USD | 581.21M USD | 714.01M USD | 697.49M USD | 651.91M USD |
| Net income | 642.1M USD | 475.06M USD | 562.15M USD | 560.74M USD | 527.32M USD |
Company facts updated Aug 24, 2026.
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$117.43
14.83% upsideCorporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | May 11, 2004 | 2:1 | — | — |
Effective May 11, 2004
2:1
PNFP peers
ETFs holding PNFP
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core S&P Mid-Cap ETFIJH558.49M0.43%125.92B USD0.05%$76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI481.06M0.02%2.3T USD0.03%$378.24+0.44%
Vanguard Morningstar Small-Cap ETFVB347.18M0.19%183.4B USD0.03%$304.76+0.64%
Vanguard Extended Market ETFVXF182.26M0.19%93.7B USD0.05%$245.53+0.82%
Invesco KBW Bank ETFKBWB115.1M1.74%6.71B USD0.35%$95.62+0.89%
State Street SPDR S&P MIDCAP 400 ETF TrustMDY112.34M0.42%26.72B USD0.23%$699.6+0.48%
Vanguard Morningstar Small-Cap Value ETFVBR110.28M0.16%68.3B USD0.05%$249.18+0.68%
Vanguard Morningstar Small-Cap Growth ETFVBK100.68M0.23%43.8B USD0.05%$358.65+0.70%
iShares Core S&P Mid-Cap ETFIJH- Market value
- 558.49M
- Weight
- 0.43%
- AUM
- 125.92B USD
- Expense ratio
- 0.05%
- Price / 1D
- $76.77+0.52%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 481.06M
- Weight
- 0.02%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
Vanguard Morningstar Small-Cap ETFVB- Market value
- 347.18M
- Weight
- 0.19%
- AUM
- 183.4B USD
- Expense ratio
- 0.03%
- Price / 1D
- $304.76+0.64%
Vanguard Extended Market ETFVXF- Market value
- 182.26M
- Weight
- 0.19%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
Invesco KBW Bank ETFKBWB- Market value
- 115.1M
- Weight
- 1.74%
- AUM
- 6.71B USD
- Expense ratio
- 0.35%
- Price / 1D
- $95.62+0.89%
State Street SPDR S&P MIDCAP 400 ETF TrustMDY- Market value
- 112.34M
- Weight
- 0.42%
- AUM
- 26.72B USD
- Expense ratio
- 0.23%
- Price / 1D
- $699.6+0.48%
Vanguard Morningstar Small-Cap Value ETFVBR- Market value
- 110.28M
- Weight
- 0.16%
- AUM
- 68.3B USD
- Expense ratio
- 0.05%
- Price / 1D
- $249.18+0.68%
Vanguard Morningstar Small-Cap Growth ETFVBK- Market value
- 100.68M
- Weight
- 0.23%
- AUM
- 43.8B USD
- Expense ratio
- 0.05%
- Price / 1D
- $358.65+0.70%
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