Pinnacle Financial Partners, Inc.

Pinnacle Financial Partners, Inc.

PNFP · NYSE · Financial Services / Banks - Regional

101.05USD+1.73 (+1.74%)

Price History

Full chart

Market Stats

Previous Close99.32
Open100.00
Day Range99.20 – 101.18
52-Week Range80.29 – 109.81
Volume1.05M
Market Cap14.35B
P/E (TTM)13.08
Forward P/E8.19
EPS7.26
Dividend Yield2.11%
Beta1.01
50-Day Avg101.59
200-Day Avg96.99

About

Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Kevin S. Blair
  • Employees8.43K
  • Headquarters3400 Overton Park Drive, Atlanta, GA, United States, 30339, USA
  • Websitehttps://www.pnfp.com

Leadership

  • Mr. Michael Terry TurnerFounder & Chairman · b. 1955
  • Mr. Robert A. McCabe Jr.Founder, Executive VP, Chief Banking Officer & Vice Chair · b. 1951
  • Mr. Richard D. Callicutt IIChairman of Carolinas, Virginia & National Capital Regions · b. 1959
  • Ms. Charissa D. SumerlinExecutive VP & Chief Credit Officer · b. 1977
  • Mr. Kevin S. BlairPresident, CEO & Director · b. 1971
  • Mr. Andrew Jamie Gregory Jr.Executive VP & CFO · b. 1976
  • Mr. Daniel Zachary BishopExecutive VP & COO · b. 1976
  • Ms. Jill K. HurleyChief Accounting Officer & Controller · b. 1980
  • Mr. Randall L. WithrowChief Information Officer, Senior VP, Chief Solutions Officer & EVP of Bank Operations
  • Ms. Jennifer S. UpshawExecutive VP & Chief Administrative Officer · b. 1981

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue621.40K7.41M14.29M21.55M32.66M51.70M125.48M173.45M240.80M245.37M239.66M214.60M219.58M230.07M249.14M307.37M431.11M714.95M1.05B1.20B1.20B1.22B1.55B2.47B2.85B2.92B
Growth (%)-+1092.54%+92.87%+50.77%+51.55%+58.31%+142.71%+38.23%+38.83%+1.90%-2.33%-10.46%+2.32%+4.78%+8.29%+23.37%+40.26%+65.84%+46.80%+13.89%+0.32%+1.41%+27.41%+59.73%+15.32%+2.40%
Cost of Revenue287.73K4.25M5.30M6.52M10.36M19.42M52.48M79.94M103.08M191.68M112.67M58.68M28.13M23.24M16.82M27.73M56.94M116.50M244.75M329.08M403.07M114.94M312.57M1.18B1.45B996.13M
Gross Profit333.68K3.16M8.99M15.03M22.29M32.28M73.01M93.51M137.72M53.69M126.99M155.92M191.45M206.83M232.32M279.64M374.16M598.45M804.78M866.21M796.05M1.10B1.24B1.29B1.40B1.93B
Gross Margin53.70%42.66%62.92%69.74%68.27%62.43%58.18%53.91%57.19%21.88%52.99%72.66%87.19%89.90%93.25%90.98%86.79%83.71%76.68%72.47%66.39%90.55%79.83%52.12%49.08%65.91%
Operating Expense2.46M1.72M7.99M11.05M14.80M21.03M46.62M60.48M94.48M118.58M146.88M127.42M128.93M120.95M126.67M136.55M182.78M300.46M354.83M368.67M424.70M449.18M539.23M575.79M819.46M1.15B
Operating Income-2.13M1.44M1.00M3.98M7.49M11.25M26.38M33.03M43.24M-64.89M-19.89M28.50M62.53M85.88M105.65M143.10M191.38M297.99M449.95M497.54M371.36M651.90M697.49M714.01M581.21M779.88M
Operating Margin-342.75%19.47%7.03%18.47%22.94%21.76%21.03%19.05%17.96%-26.45%-8.30%13.28%28.48%37.33%42.41%46.56%44.39%41.68%42.87%41.62%30.97%53.61%45.02%28.85%20.37%26.69%
EBITDA70.37K632.80K1.95M5.79M9.79M13.19M28.39M37.34M50.53M-54.09M-8.39M39.45M72.73M95.13M114.94M153.37M191.57M274.37M426.34M505.88M416.56M705.16M759.79M792.70M679.79M837.81M
EBITDA Margin11.32%8.54%13.67%26.88%29.98%25.52%22.63%21.53%20.98%-22.04%-3.50%18.38%33.12%41.35%46.13%49.90%44.44%38.38%40.62%42.32%34.74%57.99%49.04%32.03%23.82%28.67%
Net Income-2.26M-1.14M648.06K2.55M5.32M8.06M17.93M23.04M30.87M-35.50M-24.30M43.74M41.88M57.73M70.47M95.51M127.22M173.98M359.44M400.88M312.32M527.32M560.74M562.15M475.06M642.10M
Net Income Margin-362.92%-15.34%4.53%11.85%16.29%15.58%14.29%13.28%12.82%-14.47%-10.14%20.38%19.07%25.09%28.29%31.07%29.51%24.33%34.25%33.54%26.05%43.36%36.19%22.72%16.65%21.97%
R&D-----------00000000-------
R&D as % of Total Revenue-----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense125.35K2.58M4.36M5.36M7.41M17.27M48.74M75.22M91.87M74.92M58.98M36.88M22.56M15.38M13.19M18.54M38.62M92.83M210.38M301.79M199.25M98.81M244.64M1.09B1.33B1.25B
Interest Expense % of Total Revenue20.17%34.81%30.52%24.89%22.70%33.40%38.84%43.37%38.15%30.54%24.61%17.19%10.27%6.69%5.29%6.03%8.96%12.98%20.04%25.25%16.62%8.13%15.79%44.10%46.69%42.68%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets39.04M175.44M305.28M498.42M727.14M1.02B2.14B3.79B4.75B5.13B4.91B4.86B5.04B5.56B6.02B8.71B11.19B22.21B25.03B27.81B34.93B38.47B41.97B47.96B52.59B57.71B
Total Liabilities23.27M157.15M272.88M464.08M669.26M953.34M1.89B3.33B4.13B4.43B4.23B4.15B4.36B4.84B5.22B7.55B9.70B18.50B21.07B23.45B30.03B33.16B36.45B41.92B46.16B50.66B
Total Equity15.77M18.29M32.40M34.34M57.88M63.44M256.02M466.61M627.30M701.02M677.46M710.14M679.07M723.71M802.69M1.16B1.50B3.71B3.97B4.36B4.90B5.31B5.52B6.04B6.43B7.04B
Cash3.33M5.69M12.94M14.95M15.62M26.78M44.65M101.65M77.26M124.99M181.30M171.44M163.48M204.29M182.92M294.28M182.26M652.73M654.35M368.69M3.73B4.02B1.15B2.14B3.34B3.57B
Total Debt406.00K23.16M36.55M69.86M95.74M138.26M246.29M380.21M555.38M585.60M365.16M455.14M296.68M259.76M497.77M680.04M828.47M1.92B2.03B2.94B1.89B1.46B1.08B2.77B2.53B2.52B
Net Debt-2.92M17.47M23.61M54.91M80.11M111.49M201.64M278.56M478.12M460.61M183.86M283.70M133.19M55.47M108.72M148.50M574.81M1.27B1.38B2.57B-1.84B-2.55B-62.53M629.12M-812.08M-1.04B

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-2.74M-1.21M3.39M4.63M6.74M8.17M11.91M16.39M33.63M90.31M129.59M113.09M114.28M126.44M95.06M84.60M152.32M165.86M470.76M434.29M427.82M657.44M604.92M478.40M904.31M759.01M
Investing Cash Flow-23.05M-136.47M-131.93M-160.10M-251.52M-258.39M-299.29M-385.68M-972.27M-440.81M104.44M-13.15M-250.39M-564.69M-487.88M-742.60M-1.28B-2.12B-2.97B-2.62B-3.57B-3.61B-6.68B-4.60B-3.67B-5.03B
Financing Cash Flow40.98M137.07M126.89M189.71M224.34M282.12M321.24M399.27M906.39M426.86M-212.04M-116.36M129.24M481.91M371.79M791.04M989.46M2.55B2.44B1.99B6.58B3.10B3.16B5.18B3.97B4.40B
Capital Expenditure3.00M1.31M677.32K3.91M5.14M3.44M4.65M6.07M9.45M19.19M9.59M2.03M5.86M5.29M5.88M10.87M17.06M53.50M23.74M42.15M39.76M23.18M64.35M78.26M97.02M93.83M
Free Cash Flow-5.74M-2.52M2.72M722.99K1.60M4.73M7.26M10.32M24.18M71.11M120.00M111.06M108.41M121.14M89.18M73.73M135.26M112.36M447.02M392.13M388.06M634.27M540.58M400.15M807.29M665.18M
Dividends Paid----2.73K----4.39M4.75M4.89M2.13M2.81M11.40M18.31M24.73M35.91M45.45M49.83M56.98M70.70M83.39M83.93M84.21M89.85M
FCF to OCF209.75%209.04%80.05%15.60%23.69%57.92%60.94%62.96%71.90%78.75%92.60%98.20%94.87%95.81%93.82%87.15%88.80%67.75%94.96%90.29%90.71%96.47%89.36%83.64%89.27%87.64%
Dividend Paid to FCF----0.17%----6.18%3.96%4.40%1.96%2.32%12.78%24.83%18.28%31.96%10.17%12.71%14.68%11.15%15.43%20.97%10.43%13.51%

Earnings

Report DateSep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Oct 15, 2002Jan 21, 2003Apr 14, 2003Jul 15, 2003Oct 21, 2003Jan 20, 2004Apr 19, 2004Jul 20, 2004Oct 19, 2004Jan 18, 2005Apr 18, 2005Jul 19, 2005Oct 18, 2005Jan 17, 2006Apr 24, 2006Jul 18, 2006Oct 17, 2006Jan 18, 2007Apr 17, 2007Jul 17, 2007Oct 16, 2007Jan 17, 2008Apr 14, 2008Jul 15, 2008Oct 21, 2008Jan 20, 2009Apr 20, 2009Jul 21, 2009Oct 20, 2009Jan 19, 2010Apr 19, 2010Jul 20, 2010Oct 19, 2010Jan 18, 2011Apr 18, 2011Jul 19, 2011Oct 18, 2011Jan 17, 2012Apr 16, 2012Jul 17, 2012Oct 16, 2012Jan 15, 2013Apr 15, 2013Jul 16, 2013Oct 15, 2013Jan 21, 2014Apr 14, 2014Jul 15, 2014Oct 21, 2014Jan 20, 2015Apr 20, 2015Jul 21, 2015Oct 20, 2015Jan 19, 2016Apr 18, 2016Jul 19, 2016Oct 18, 2016Jan 17, 2017Apr 17, 2017Jul 18, 2017Oct 17, 2017Jan 16, 2018Apr 16, 2018Jul 17, 2018Oct 16, 2018Jan 15, 2019Apr 15, 2019Jul 16, 2019Oct 15, 2019Jan 21, 2020Apr 20, 2020Jul 21, 2020Oct 20, 2020Jan 19, 2021Apr 19, 2021Jul 20, 2021Oct 12, 2021Jan 18, 2022Apr 18, 2022Jul 19, 2022Oct 18, 2022Jan 17, 2023Apr 17, 2023Jul 18, 2023Oct 17, 2023Jan 16, 2024Apr 22, 2024Jul 16, 2024Oct 15, 2024Jan 21, 2025Apr 14, 2025Jul 15, 2025Oct 15, 2025Jan 21, 2026Apr 22, 2026Jul 22, 2026Oct 21, 2026
EPS Estimate-------0.030.040.050.070.090.110.120.140.160.180.190.210.220.230.250.290.320.340.340.320.350.370.340.370.380.360.24-0.85-0.03-0.07--0.07-0.28-0.040.050.120.170.190.170.220.300.340.330.400.430.430.450.480.510.530.560.620.640.680.710.740.780.800.760.790.890.961.101.141.191.231.211.271.351.261.050.841.101.351.441.441.551.581.581.671.902.041.711.641.701.671.541.611.771.781.801.912.042.262.332.462.60
EPS Actual-0.31-0.34-0.24-0.170.400.010.020.030.040.050.070.100.110.130.140.160.180.190.210.220.240.270.300.330.340.340.330.350.350.360.370.390.350.06-1.33-0.15-0.12-0.16-0.850.020.070.060.140.210.170.210.280.330.340.410.420.420.440.470.490.520.530.620.640.660.690.710.750.780.830.830.840.900.971.131.151.211.251.221.421.451.270.390.891.451.581.611.681.751.701.651.861.911.761.761.791.791.681.531.631.861.901.902.002.272.242.392.50-
Surprise-------0.00%0.00%0.00%0.00%11.11%0.00%8.33%0.00%0.00%0.00%0.00%0.00%0.00%4.35%8.00%3.45%3.13%0.00%0.00%3.13%0.00%-5.41%5.88%0.00%2.63%-2.78%-75.00%-56.47%-400.00%-71.43%--1114.29%107.14%275.00%20.00%16.67%23.53%-10.53%23.53%27.27%10.00%0.00%24.24%5.00%-2.33%2.33%4.44%2.08%1.96%0.00%10.71%3.23%3.13%1.47%0.00%1.35%0.00%3.75%9.21%6.33%1.12%1.04%2.73%0.88%1.68%1.63%0.83%11.81%7.41%0.79%-62.86%5.95%31.82%17.04%11.81%16.67%12.90%7.59%4.43%11.38%0.53%-13.73%2.92%9.15%5.29%0.60%-0.65%1.24%5.08%6.74%5.56%4.71%11.27%-0.89%2.58%1.63%-
Timing-------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap14.35B
Enterprise Value18.51B
Trailing P/E13.08
Forward P/E8.19
PEG Ratio1.41
Price / Sales4.35
Price / Book1.02
EPS7.26
Book Value93.35
Revenue (TTM)3.30B
Gross Profit (TTM)3.30B
Profit Margin24.86%
Operating Margin47.02%
Return on Equity7.65%
Return on Assets0.89%
Shares Outstanding151.11M
Shares Float148.64M
Beta1.01
Dividend Yield2.11%
Dividend Rate2.00
Payout Ratio18.51%

Analyst Ratings

Buy
Based on 11 analystsTarget 120.09
  • Strong Buy
    4
  • Buy
    2
  • Hold
    5

Ownership Breakdown

Institutions
89.35%
Insiders
1.26%
Retail / Other
9.39%

Top Institutional Holders

  • BlackRock Inc
    16.44M10.88%
  • Wellington Management Company LLP
    11.14M7.37%
  • FMR Inc
    7.20M4.76%
  • Vanguard Portfolio Management, LLC
    7.00M4.63%
  • Vanguard Capital Management, LLC
    6.77M4.48%
  • State Street Corp
    5.89M3.90%
  • Dimensional Fund Advisors, Inc.
    5.10M3.38%
  • T. Rowe Price Investment Management,Inc.
    4.95M3.28%
  • AQR Capital Management LLC
    4.00M2.64%
  • Amvescap Plc.
    3.58M2.37%
  • Pinnacle Financial Partners Inc
    3.50M2.31%
  • NORGES BANK
    3.43M2.27%
  • Geode Capital Management, LLC
    2.79M1.85%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    5.27M3.49%
  • Vanguard MStar Total Stk Mkt Idx Invest
    4.57M3.02%
  • Vanguard Small Cap Index
    3.30M2.19%
  • Invesco Small Cap Value A
    2.40M1.59%
  • T. Rowe Price Small-Cap Value
    2.32M1.54%
  • Vanguard Windsor Investor Shares
    1.98M1.31%
  • Strategic Advisers Fidelity US TtlStk
    1.90M1.26%

Dividends

20264×
0.50Nov 6, 20260.50Aug 7, 20260.50May 1, 20260.50Feb 6, 2026
20254×
0.24Nov 7, 20250.24Aug 1, 20250.24May 2, 20250.24Feb 7, 2025
20244×
0.22Nov 1, 20240.22Aug 2, 20240.22May 2, 20240.22Feb 1, 2024
20234×
0.22Nov 2, 20230.22Aug 3, 20230.22May 4, 20230.22Feb 2, 2023
20224×
0.22Nov 3, 20220.22Aug 4, 20220.22May 5, 20220.22Feb 3, 2022
20214×
0.18Nov 4, 20210.18Aug 5, 20210.18May 6, 20210.18Feb 4, 2021

Stock Splits

  • May 11, 20042:1