PNFP logo

PINNACLE FINANCIAL PARTNERS

PNFPNYSE
πŸ† #707 by market capEarnings Oct 12US Equity
$92.98β–Ό $0.47 (βˆ’0.51%)
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24hβ–Ό 0.5%
7dβ–Ό 1.7%
14dβ–Ό 6.3%
30dβ–Ό 8.0%
ytdβ–Ό 2.5%
1yβ–Ό 1.5%
🏦Market Cap
$14.04B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+2.4%
Slowing
πŸ“ŠGross Margin
67.5%
High
πŸ’΅FCF Margin
30.8%
Strong
βš–οΈP/S Ratio
2.9x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$92.18 – $94.75
52-Week Range
$81.08 – $110.33
Volume
$2.44B
Avg Volume
$2.29B
Shares Outstanding
151.0M
Next Earnings
Nov 8, 2026

Fundamentals Snapshot

Annual Revenue
$2.92B
Last Q Revenue
$1.71B
P/E Ratio
11.4
P/S Ratio
2.9x
EPS (TTM)
$5.43
Dividend Yield
1.87%
Dilution (1yr)
+0.5%

Why Investors Own PNFP

  • βœ“High-growth profile β€” revenue up +58.1% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 58% gross margin and 8% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PNFP logo

PINNACLE FINANCIAL PARTNERS

PNFP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$2.9Bβ–² +2.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
65.9%β–² +34.3% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$780Mβ–² +34.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$665Mβ–Ό βˆ’17.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
77.7Mβ–² +0.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$1.0Bβ–² +$232M YoY
StockOtter Β· stockotter.space

About PINNACLE FINANCIAL PARTNERS

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Ratings

β“˜
Consensus
Buy
26 analysts
Strong Buy6
Buy14
Hold6
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

πŸš€
Zacks Investment ResearchΒ·5h ago

Are You Looking for a High-Growth Dividend Stock?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Pinnacle Financial (PNFP) have what it takes?

πŸ›°οΈ
Zacks Investment ResearchΒ·7h ago

Is Pinnacle Financial Partners (PNFP) Stock Undervalued Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and

Business WireΒ·7d ago

Pinnacle Financial Partners announces dates for third quarter 2026 earnings release and conference call

ATLANTA--(BUSINESS WIRE)---- $PNFP--Pinnacle Financial Partners, Inc. (NYSE: PNFP) will release third quarter 2026 financial results on Wednesday, Oct. 21, 2026, after market close. President and Chief Executive Officer

Business WireΒ·7d ago

Pinnacle is the No. 1 bank in Nashville by deposits and No.

ATLANTA & NASHVILLE, Tenn.--(BUSINESS WIRE)---- $PNFP--Pinnacle Financial Partners (NYSE: PNFP) continued to build deposit share in key markets across the Southeast during the 12 months ending June 30, 2026, according to

Seeking AlphaΒ·14d ago

Pinnacle Financial Partners, Inc. (PNFP) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

Pinnacle Financial Partners, Inc. (PNFP) Presents at Barclays 24th Annual Global Financial Services Conference Transcript

Defense WorldΒ·17d ago

California State Teachers Retirement System Buys New Holdings in Pinnacle Financial Partners, Inc. $PNFP

California State Teachers Retirement System bought a new position in Pinnacle Financial Partners, Inc. (NYSE: PNFP) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commi