Pinnacle Financial Partners, Inc. logo

Pinnacle Financial Partners, Inc.

PNFP

NYSEFinancial ServicesBanks - Regional

Previous close

$102.26

+$0.27 · +0.26%

Aug 21, 4:00 PM ET

PNFP company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

Pinnacle 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 / TTM

Valuation & 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.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends98%68%39%9%Gross margin, FY2021: 90.55%Gross margin, FY2022: 79.83%Gross margin, FY2023: 52.12%Gross margin, FY2024: 49.08%Gross margin, FY2025: 65.91%Operating margin, FY2021: 53.61%Operating margin, FY2022: 45.02%Operating margin, FY2023: 28.85%Operating margin, FY2024: 20.37%Operating margin, FY2025: 26.69%Net margin, FY2021: 43.36%Net margin, FY2022: 36.19%Net margin, FY2023: 22.72%Net margin, FY2024: 16.65%Net margin, FY2025: 21.97%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.55%. Gross margin FY2022 79.83%. Gross margin FY2023 52.12%. Gross margin FY2024 49.08%. Gross margin FY2025 65.91%. Operating margin FY2021 53.61%. Operating margin FY2022 45.02%. Operating margin FY2023 28.85%. Operating margin FY2024 20.37%. Operating margin FY2025 26.69%. Net margin FY2021 43.36%. Net margin FY2022 36.19%. Net margin FY2023 22.72%. Net margin FY2024 16.65%. Net margin FY2025 21.97%.

Income trends

Revenue

2.92B USD+2.40%

Operating income

779.88M USD+34.18%

Net income

642.1M USD+35.16%
Income trends across reported periods3.17B USD2.19B USD1.21B USD230.32M USDRevenue, FY2021: 1.22B USDRevenue, FY2022: 1.55B USDRevenue, FY2023: 2.47B USDRevenue, FY2024: 2.85B USDRevenue, FY2025: 2.92B USDOperating income, FY2021: 651.91M USDOperating income, FY2022: 697.49M USDOperating income, FY2023: 714.01M USDOperating income, FY2024: 581.21M USDOperating income, FY2025: 779.88M USDNet income, FY2021: 527.32M USDNet income, FY2022: 560.74M USDNet income, FY2023: 562.15M USDNet income, FY2024: 475.06M USDNet income, FY2025: 642.1M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.22B USD. Revenue FY2022 1.55B USD. Revenue FY2023 2.47B USD. Revenue FY2024 2.85B USD. Revenue FY2025 2.92B USD. Operating income FY2021 651.91M USD. Operating income FY2022 697.49M USD. Operating income FY2023 714.01M USD. Operating income FY2024 581.21M USD. Operating income FY2025 779.88M USD. Net income FY2021 527.32M USD. Net income FY2022 560.74M USD. Net income FY2023 562.15M USD. Net income FY2024 475.06M USD. Net income FY2025 642.1M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue2.92B USD2.85B USD2.47B USD1.55B USD1.22B USD
Cost of goods sold996.13M USD1.45B USD1.18B USD312.57M USD114.94M USD
Gross profit1.93B USD1.4B USD1.29B USD1.24B USD1.1B USD
Selling, general, and administrative922.32M USD678.72M USD587.55M USD558.62M USD472.06M USD
Operating expenses1.15B USD819.46M USD575.79M USD539.23M USD449.18M USD
Interest income2.8B USD2.7B USD2.35B USD1.37B USD1.03B USD
Interest expense1.25B USD1.33B USD1.09B USD244.64M USD98.81M USD
Depreciation and amortization57.93M USD98.58M USD78.7M USD62.3M USD53.26M USD
Operating income779.88M USD581.21M USD714.01M USD697.49M USD651.91M USD
Net income642.1M USD475.06M USD562.15M USD560.74M USD527.32M 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% upside
Past 12 months12-month forecastHigh $123Average $117.43Low $112

Corporate actions

Corporate action history

Stock split

Effective May 11, 2004

2:1

PNFP peers

ETFs holding PNFP

Funds reporting this stock among their holdings, ordered by reported position size.

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