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PNFP Financials Pinnacle Financial Partners, Inc.

3 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has declined 28.3% per year over the past 2 years.

Financial health

  • The company holds more cash ($3.6B) than total debt ($2.5B).

Shareholder returns

  • Dividends have been paid for 3 consecutive years, consuming 34.2% of earnings and 42.1% of free cash flow.
  • The dividend has grown 12.0% per year over the past 2 years.
Revenue & net income
$0 $396M $792M 2023 2024 2025
RevenueNet income
Margins (gross / operating / net)
0% 50% 100% 2023 2024 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $625M $1B 2023 2024 2025
Free cash flow
Cash vs total debt
$0 $2B $4B 2023 2024 2025
CashTotal debt
Cash flow: operating / investing / financing
-$1B -$101M $1B $0 2023 2024 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $792M $643M $2.5B $3.6B
2024 $482M $765M $1.7B $3.4B
2023 $544M $1.3B $2.5B

Valuation over time

How the market has priced PNFP against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 19.5 39.0 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Dividend yield (%)
0.0 1.0 2.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is PNFP growing its revenue and profit?

See the revenue and net-income charts above for Pinnacle Financial Partners, Inc.'s multi-year trend.

How much debt does PNFP have?

As of FY2025, Pinnacle Financial Partners, Inc. reported $2.5B of total debt against $3.6B of cash.

What is PNFP's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is PNFP's P/E ratio?

As of Jun '26, Pinnacle Financial Partners, Inc. traded at a price-to-earnings ratio of about 18.8× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.