Stocks · Financial Services · Banks - Regional
Pinnacle Financial Partners, Inc. PNFP
$96.09 +1.54% Close, Oct 2, 2026 · NYSE · Market cap $14.51B
Strong growthHigh risk
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 96.0% in a year.
- Revenue over the last four quarters was $4.90B, up 61.9% from a year earlier, accelerating from 40.1% a quarter earlier.
- Net debt is 3.7× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 6%
- EPS growth (TTM, YoY)Bottom 35%
- FCF growth (TTM, YoY)Top 18%
- Revenue growth, 3-year CAGRTop 22%
- Revenue growth accelerationTop 5%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 37%
- Gross marginTop 44%
- Operating marginBottom 48%
- Cash conversion (OCF / net income)Top 21%
- Accruals (lower is better)Top 41%
- Net debt / EBITDA (lower is better)Bottom 32%
- Interest coverBottom 30%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 33%
- EBITDA / enterprise valueBottom 42%
- Sales / enterprise valueBottom 40%
- P/E vs own 5-year history (lower is better)Top 48%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 47%
- 6-month returnTop 40%
- 1-year return vs S&P 500Bottom 41%
- Distance from 52-week highBottom 40%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 44%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 20%
- Upside to consensus price targetTop 26%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 38%
- Maximum drawdown, 3 yearsBottom 31%
- Beta vs S&P 500 (lower is better)Bottom 11%
- Net debt / EBITDA (lower is better)Bottom 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 40.1% | 61.9% | ↑ |
| EPS growth (YoY) | 30.4% | 7.8% | ↓ |
| Gross margin | 54.4% | 67.5% | ↑ |
| Operating margin | 24.1% | 20.9% | ↓ |
| FCF margin | 25.4% | 30.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 61.9% | 40.1% | ↑ | Top 6% |
| EPS growth (TTM, YoY) | 7.8% | 30.4% | ↓ | Bottom 35% |
| Gross margin | 67.5% | 54.4% | ↑ | Top 44% |
| Operating margin | 20.9% | 24.1% | ↓ | Bottom 48% |
| Net margin | 16.8% | 19.7% | ↓ | — |
| Free-cash-flow margin | 30.8% | 25.4% | ↑ | — |
| Return on invested capital | 0.6% | — | Bottom 37% | |
| Revenue growth, 3-year CAGR | 23.6% | — | Top 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.87×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +42.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.71×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.29%
- Net buyback yield (TTM)
- 0.42%
- Shareholder yield
- 1.71%
- Share count change, 1 year
- +96.0%
- Share count change, 3-year CAGR
- +25.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +3.8%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $120.42
- Target vs current price
- +25.3%
- Analysts with a rating
- 24
- Share rating Buy or Strong Buy
- 71%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +1.6% | +0.6% | +8.7% | +8.0% | — |
| Apr 22, 2026 | +3.0% | -1.7% | +1.5% | -3.2% | +3.7% |
| Jan 21, 2026 | -0.9% | +4.6% | -2.0% | +1.5% | -4.2% |
| Oct 15, 2025 | +11.3% | -1.9% | -3.8% | -4.8% | +5.7% |
| Jul 15, 2025 | +4.2% | -3.5% | -1.9% | -25.0% | -22.8% |
| Apr 14, 2025 | +5.6% | +2.4% | +4.0% | +23.2% | +32.9% |
| Jan 21, 2025 | +5.6% | +0.3% | +3.9% | +1.7% | -21.3% |
| Oct 15, 2024 | +5.1% | +1.2% | +2.5% | +27.7% | +13.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $2.50 | $2.46 | +1.6% | $1.24B |
| Apr 22, 2026 | $2.39 | $2.32 | +3.0% | $1.23B |
| Jan 21, 2026 | $2.24 | $2.26 | -0.9% | $846.2M |
| Oct 15, 2025 | $2.27 | $2.04 | +11.3% | $544.8M |
| Jul 15, 2025 | $2.00 | $1.92 | +4.2% | $505.0M |
| Apr 14, 2025 | $1.90 | $1.80 | +5.6% | $407.4M |
| Jan 21, 2025 | $1.90 | $1.80 | +5.6% | $425.0M |
| Oct 15, 2024 | $1.86 | $1.77 | +5.1% | $407.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 11.6× | 52th | Top 31% |
| P/E (forward) | 9.4× | — | — | — |
| EV / EBITDA | 19.3× | — | — | Bottom 42% |
| EV / Sales | 3.66× | — | — | Bottom 40% |
| Free-cash-flow yield | 10.41% | — | — | Top 33% |
| Earnings yield | 8.46% | — | — | Top 31% |
P/E over the past five years
Range 6.8× – 22.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +3.0%
- Earnings per share growth (TTM)
- +7.8%
- Change in P/E multiple
- +15.2%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -1.3%
- 200-day average slope (20 days)
- +0.3%
- Distance from 50-day average
- -4.8%
- Distance from 200-day average
- -0.8%
- RSI (14)
- 45.6
- Relative volume
- 1.65×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.25
- Correlation with S&P 500
- 0.54
- Current drawdown from 1-year high
- -11.9%
- Maximum drawdown, 3 years
- -36.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 4, 2023 | -58.2% | 326 days | 380 days (Nov 6, 2024) |
| Nov 25, 2024 | Mar 18, 2026 | -36.8% | 326 days | Not yet recovered |
| Nov 16, 2021 | Dec 20, 2021 | -13.9% | 23 days | 12 days (Jan 6, 2022) |
| Mar 18, 2021 | Jul 19, 2021 | -10.4% | 84 days | 14 days (Aug 6, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $14.51B
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $8.13
- Revenue (TTM)
- $4.90B
- Dividend yield
- 1.81%
- 52-week range
- $81.08 – $110.33
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.22B | $1.55B | $2.47B | $2.85B | $2.92B |
| Gross profit | $1.10B | $1.24B | $1.29B | $1.40B | $1.93B |
| Operating income | $651.9M | $697.5M | $714.0M | $581.2M | $779.9M |
| Net income | $527.3M | $560.7M | $562.2M | $475.1M | $642.1M |
| EPS (diluted) | $6.75 | $7.17 | $7.14 | $5.96 | $8.09 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $751.2M | $745.5M | $711.1M | $820.2M | $544.8M | $846.2M | $1.80B | $1.71B |
| Net income | $146.7M | $151.3M | $140.4M | $158.5M | $173.4M | $169.8M | $150.0M | $328.0M |
| EPS (diluted) | $1.86 | $1.91 | $1.77 | $2.00 | $2.19 | $2.13 | $1.74 | $2.07 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $657.4M | $604.9M | $478.4M | $904.3M | $759.0M |
| Capital expenditure | -$23.2M | -$64.3M | -$78.3M | -$97.0M | -$93.8M |
| Free cash flow | $634.3M | $540.6M | $400.1M | $807.3M | $665.2M |
| Dividends paid | -$55.5M | -$68.2M | -$68.7M | -$69.0M | -$74.7M |
| Net share buybacks | -$3.8M | -$5.5M | -$3.7M | -$14.4M | -$28.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $25.80B
- Total assets
- $129.06B
- Total liabilities
- $114.23B
- Total debt
- $11.10B
- Net debt
- $3.45B
- Shareholders’ equity
- $14.83B
As of Jun 30, 2026 (filed Aug 4, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.50 | Aug 28, 2026 |
| May 1, 2026 | $0.50 | May 29, 2026 |
| Feb 6, 2026 | $0.50 | Feb 27, 2026 |
| Nov 7, 2025 | $0.24 | Nov 28, 2025 |
| Aug 1, 2025 | $0.24 | Aug 29, 2025 |
| May 2, 2025 | $0.24 | May 30, 2025 |
| Feb 7, 2025 | $0.24 | Feb 28, 2025 |
| Nov 1, 2024 | $0.22 | Nov 29, 2024 |
Short interest
- Shares sold short
- 4,999,776
- Days to cover
- 5.71
- Change vs previous report
- +8.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 11, 2004
- 2-for-1