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
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
—
$792M
—
—
$643M
$2.5B
$3.6B
2024
—
$482M
—
—
$765M
$1.7B
$3.4B
2023
—
$544M
—
—
$1.3B
—
$2.5B
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
—
$150M
—
—
$911M
—
$5.9B
Mar '25
—
$140M
—
—
-$42M
—
$3.9B
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.
The price-to-earnings ratio has fallen from 24.6× (Jan '24) to 18.8× (Jun '26).
The dividend yield has risen from 1.6% (Jan '24) to 1.8% (Jun '26).
Price / earnings (P/E)
P/E
Dividend yield (%)
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.