What is Pinnacle Finl Partners Inc's earnings per share (EPS)?

Pinnacle Finl Partners Inc (PNFP) reported diluted earnings per share of $5.33 for fiscal year 2025. This represents a 75.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Pinnacle Finl Partners Inc Financials

PNFP

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Pinnacle Finl Partners Inc (PNFP) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PNFP FY2025 2026-05-06

Balance-sheet leverage turned a still-modest asset return into a much stronger shareholder result in FY2025.

FY2025’s profit rebound looks more like a balance-sheet effect than a broad operating surge: ROA was only 1.3% even as ROE reached 13.2%. With just $6.0B of equity supporting $61.4B of assets, even a modest lift in asset profitability translated into a much larger gain for shareholders.

FY2025 earnings improved below the revenue line: revenue slipped to $3.12B while interest expense fell to $1.24B. That pushed net margin up to 25.4% from 15.1%, so the year looked more like a funding-cost recovery than a volume-driven expansion.

Capital strength improved because equity climbed to $6.0B while liabilities were roughly steady at $55.3B. Even after that rebuild, the company still returned $271M in dividends and $142M in buybacks, showing that profit retention was large enough to thicken the balance sheet and support shareholder payouts at the same time.

Financial Health Signals

Financial Profile 42/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Pinnacle Finl Partners Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Pinnacle Finl Partners Inc's revenue declined 2.4% year-over-year, from $3.2B to $3.1B. This contraction results in a growth score of 35/100.

Leverage

Pinnacle Finl Partners Inc carries a low D/E ratio of 0.35, meaning only $0.35 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 95/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

Pinnacle Finl Partners Inc converts 20.6% of revenue into free cash flow ($642.9M). This strong cash generation earns a score of 89/100.

Returns

Pinnacle Finl Partners Inc's ROE of 11.2% shows moderate profitability relative to equity, earning a score of 33/100. This is up from 7.5% the prior year.

Piotroski F-Score Neutral

5/9

Pinnacle Finl Partners Inc passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.85x

For every $1 of reported earnings, Pinnacle Finl Partners Inc generates $0.85 in operating cash flow ($676.1M OCF vs $792.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$3.1B

YoY-2.4%

Pinnacle Finl Partners Inc generated $3.1B in revenue in fiscal year 2025. This represents a decrease of 2.4% from the prior year.

EBITDA

N/A

Net Income

$792.0M

YoY+64.2%

Pinnacle Finl Partners Inc reported $792.0M in net income in fiscal year 2025. This represents an increase of 64.2% from the prior year.

EPS (Diluted)

$5.33

YoY+75.9%

Pinnacle Finl Partners Inc earned $5.33 per diluted share (EPS) in fiscal year 2025. This represents an increase of 75.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$642.9M

YoY-15.9%

Pinnacle Finl Partners Inc generated $642.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 15.9% from the prior year.

Cash & Debt

$3.6B

YoY+3.8%

Pinnacle Finl Partners Inc held $3.6B in cash against $2.5B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.56

YoY+2.6%

Pinnacle Finl Partners Inc paid $1.56 per share in dividends in fiscal year 2025. This represents an increase of 2.6% from the prior year.

Shares Outstanding

78M

YoY-45.0%

Pinnacle Finl Partners Inc had 78M shares outstanding in fiscal year 2025. This represents a decrease of 45.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.4%

YoY+10.3pp

Pinnacle Finl Partners Inc's net profit margin was 25.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 10.3 percentage points from the prior year.

Return on Equity

11.2%

YoY+3.7pp

Pinnacle Finl Partners Inc's ROE was 11.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$142.2M

YoY-47.8%

Pinnacle Finl Partners Inc spent $142.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 47.8% from the prior year.

Capital Expenditures

$33.2M

YoY-40.9%

Pinnacle Finl Partners Inc invested $33.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 40.9% from the prior year.

PNFP Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	$3.1B-2.4%	$3.2B+4.7%	$3.1B	N/A	N/A
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$776.3M+5.3%	$737.5M+1.2%	$728.4M	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.2B-13.9%	$1.4B+17.0%	$1.2B	N/A	N/A
Income Tax	$228.5M+82.1%	$125.5M-18.5%	$154.0M	N/A	N/A
Net Income	$792.0M+64.2%	$482.5M-11.3%	$543.7M-3.0%	$560.7M+6.3%	$527.3M
EPS (Diluted)	$5.33+75.9%	$3.03-12.4%	$3.46	N/A	N/A

Metric	Q1'26	Q4'25	Q1'25	Q4'24
Revenue	$1.5B	N/A	$669.0M	N/A
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	$396.0M	N/A	$172.0M	N/A
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	$581.0M	N/A	$304.0M	N/A
Income Tax	$39.0M	N/A	$30.0M	N/A
Net Income	$150.0M	N/A	$140.0M	N/A
EPS (Diluted)	$0.89	N/A	$1.77	N/A

PNFP Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	$57.7B-4.2%	$60.2B	N/A	N/A	N/A
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$3.6B+3.8%	$3.4B+40.2%	$2.5B+23.9%	$2.0B	N/A
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$387.3M-13.0%	$445.1M	N/A	N/A	N/A
Goodwill	$1.8B+284.9%	$480.4M0.0%	$480.4M	N/A	N/A
Total Liabilities	$50.7B-7.8%	$55.0B	N/A	N/A	N/A
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$2.5B+41.7%	$1.7B	N/A	N/A	N/A
Total Equity	$7.0B+9.5%	$6.4B+6.6%	$6.0B+9.4%	$5.5B	N/A
Retained Earnings	$3.7B+36.3%	$2.7B	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q1'25	Q4'24
Total Assets	$122.8B+112.7%	$57.7B	N/A	$60.2B
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	$5.9B+66.0%	$3.6B-8.1%	$3.9B+12.9%	$3.4B
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	$387.3M	N/A	$445.1M
Goodwill	$3.5B+88.1%	$1.8B	N/A	$480.4M
Total Liabilities	$108.2B+113.5%	$50.7B	N/A	$55.0B
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$2.5B	N/A	$1.7B
Total Equity	$14.6B+107.2%	$7.0B+7.7%	$6.5B+1.7%	$6.4B
Retained Earnings	$3.8B+1.5%	$3.7B	N/A	$2.7B

PNFP Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$676.1M-17.7%	$821.0M-36.0%	$1.3B	N/A	N/A
Capital Expenditures	$33.2M-40.9%	$56.2M+74.3%	$32.2M	N/A	N/A
Free Cash Flow	$642.9M-15.9%	$764.9M-38.8%	$1.3B	N/A	N/A
Investing Cash Flow	-$1.5B-936.4%	$177.6M-45.2%	$324.0M	N/A	N/A
Financing Cash Flow	$352.8M+177.4%	-$456.0M+59.7%	-$1.1B	N/A	N/A
Dividends Paid	$270.8M+23.0%	$220.1M+1.9%	$216.1M	N/A	N/A
Share Buybacks	$142.2M-47.8%	$272.3M	$0	N/A	N/A

Metric	Q1'26	Q4'25	Q1'25	Q4'24
Operating Cash Flow	$926.0M	N/A	-$22.0M	N/A
Capital Expenditures	$15.0M	N/A	$20.0M	N/A
Free Cash Flow	$911.0M	N/A	-$42.0M	N/A
Investing Cash Flow	-$794.0M	N/A	-$1.2B	N/A
Financing Cash Flow	$2.2B	N/A	$1.6B	N/A
Dividends Paid	$75.0M	N/A	$19.0M	N/A
Share Buybacks	N/A	N/A	N/A	N/A

PNFP Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	25.4%+10.3pp	15.1%-2.7pp	17.8%	N/A	N/A
Return on Equity	11.2%+3.7pp	7.5%-1.5pp	9.0%-1.1pp	10.2%	N/A
Return on Assets	1.4%+0.6pp	0.8%	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.35+0.1	0.27	N/A	N/A	N/A
FCF Margin	20.6%-3.3pp	23.9%-17.0pp	41.0%	N/A	N/A

Metric	Q1'26	Q4'25	Q1'25	Q4'24
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	9.9%	N/A	20.9%	N/A
Return on Equity	1.0%	N/A	2.1%	N/A
Return on Assets	0.1%	N/A	N/A	N/A
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	7.41+7.1	0.35	N/A	0.27
FCF Margin	60.2%	N/A	-6.3%	N/A

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Frequently Asked Questions

What is Pinnacle Finl Partners Inc's annual revenue?

Pinnacle Finl Partners Inc (PNFP) reported $3.1B in total revenue for fiscal year 2025. This represents a -2.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Pinnacle Finl Partners Inc's revenue growing?

Pinnacle Finl Partners Inc (PNFP) revenue declined by 2.4% year-over-year, from $3.2B to $3.1B in fiscal year 2025.

Is Pinnacle Finl Partners Inc profitable?

Yes, Pinnacle Finl Partners Inc (PNFP) reported a net income of $792.0M in fiscal year 2025, with a net profit margin of 25.4%.

How much debt does Pinnacle Finl Partners Inc have?

As of fiscal year 2025, Pinnacle Finl Partners Inc (PNFP) had $3.6B in cash and equivalents against $2.5B in long-term debt.

What is Pinnacle Finl Partners Inc's net profit margin?

Pinnacle Finl Partners Inc (PNFP) had a net profit margin of 25.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Pinnacle Finl Partners Inc pay dividends?

Yes, Pinnacle Finl Partners Inc (PNFP) paid $1.56 per share in dividends during fiscal year 2025.

What is Pinnacle Finl Partners Inc's return on equity (ROE)?

Pinnacle Finl Partners Inc (PNFP) has a return on equity of 11.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Pinnacle Finl Partners Inc's free cash flow?

Pinnacle Finl Partners Inc (PNFP) generated $642.9M in free cash flow during fiscal year 2025. This represents a -15.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Pinnacle Finl Partners Inc's operating cash flow?

Pinnacle Finl Partners Inc (PNFP) generated $676.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Pinnacle Finl Partners Inc's total assets?

Pinnacle Finl Partners Inc (PNFP) had $57.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Pinnacle Finl Partners Inc's capital expenditures?

Pinnacle Finl Partners Inc (PNFP) invested $33.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Pinnacle Finl Partners Inc buy back shares?

Yes, Pinnacle Finl Partners Inc (PNFP) spent $142.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Pinnacle Finl Partners Inc have outstanding?

Pinnacle Finl Partners Inc (PNFP) had 78M shares outstanding as of fiscal year 2025.

What is Pinnacle Finl Partners Inc's debt-to-equity ratio?

Pinnacle Finl Partners Inc (PNFP) had a debt-to-equity ratio of 0.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Pinnacle Finl Partners Inc's return on assets (ROA)?

Pinnacle Finl Partners Inc (PNFP) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Pinnacle Finl Partners Inc's Piotroski F-Score?

Pinnacle Finl Partners Inc (PNFP) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Pinnacle Finl Partners Inc's earnings high quality?

Pinnacle Finl Partners Inc (PNFP) has an earnings quality ratio of 0.85x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Pinnacle Finl Partners Inc?

Pinnacle Finl Partners Inc (PNFP) scores 42 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.