Pinnacle Financial Partners (PNFP) Key Ratios
$101.01
As on 04-Sep-2026 16:00EDT
Market cap
$15,264 Mln
Revenue (TTM)
$4,902 Mln
P/E Ratio
13.9
P/B Ratio
1.1
Div. Yield
1.5 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -4.73 | 108.84 | 61.88 | 33.35 | 32.63 |
| EBIT | 121.69 | 115.65 | 40.23 | 9.66 | 11.75 |
| Net Profit | 118.67 | 106.89 | 37.57 | 9.76 | 11.39 |
| EPS | 12.24 | 5.55 | 10.07 | 1.44 | 6.15 |
| Book Value | -- | -- | 9.00 | 7.74 | 7.02 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 25.30 | 34.91 | 20.87 | 26.69 | 20.37 |
| Net Margin
| -- | -- | 16.75 | -- | -- |
| Return on equity
| 8.96 | 9.51 | 7.51 | 9.53 | 7.62 |
| Return on Capital
| 6.52 | 7.15 | -- | 6.93 | 5.35 |
| Return on Assets
| 1.12 | 1.24 | 0.85 | 1.16 | 0.94 |
| Debt to Equity (x)
| -- | -- | 0.69 | 0.36 | 0.39 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
6.93
|
5.35
|
7.30
|
8.38
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
7.51
Lower than Peers by 2.38
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
7.51
|
9.53
|
7.62
|
9.73
|
10.36
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
0.85
Lower than Peers by 0.12
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
0.85
|
1.16
|
0.94
|
1.25
|
1.39
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
20.87
Higher than Peers by 0.02
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
20.87
|
26.69
|
20.37
|
28.85
|
45.02
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
16.75
Lower than Peers by 3.36
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
16.75
|
21.97
|
16.65
|
22.72
|
36.19
|
|
Peer Median
|
20.11
|
--
|
--
|
--
|
--
|
Cash Profit Margin
--
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
61.88
Higher than Peers by 50.78
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
61.88
|
0.02
|
0.15
|
0.60
|
0.27
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
40.23
Higher than Peers by 51.73
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
40.23
|
34.18
|
-18.60
|
2.37
|
6.99
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
37.57
Higher than Peers by 30.30
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
37.57
|
35.16
|
-15.49
|
0.25
|
6.34
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
10.07
Higher than Peers by 4.23
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
10.07
|
0.35
|
-0.16
|
-0.01
|
0.07
|
|
Peer Median
|
5.84
|
--
|
--
|
--
|
--
|
Book Value Growth
13.98
Higher than Peers by 5.24
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
13.98
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.74
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.69
Higher than Peers by 0.48
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
0.69
|
0.36
|
0.39
|
0.46
|
0.20
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.06
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
0.06
|
0.04
|
0.04
|
0.03
|
0.04
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.76
Higher than Peers by 0.46
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
0.76
|
1.07
|
0.21
|
0.17
|
0.14
|
|
Peer Median
|
0.30
|
--
|
--
|
--
|
--
|
Quick Ratio
0.76
Higher than Peers by 0.41
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
0.76
|
--
|
--
|
0.17
|
0.14
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.56
Lower than Peers by 0.19
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
1.56
|
0.63
|
0.44
|
0.65
|
2.85
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
9.14
Higher than Peers by 2.21
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
9.14
|
1,332.21
|
7.50
|
8.79
|
10.40
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
Higher than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
0.05
|
0.05
|
0.06
|
0.06
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
2,446.32
|
27.62
|
27.95
|
30.65
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
--
|
24.63
|
16.33
|
-3,038.78
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
79.80
|
15.41
|
13.32
|
18.69
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
--
|
36.85
|
30.95
|
-3,026.82
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
13.91
Higher than Peers by 0.97
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
13.91
|
11.55
|
18.63
|
11.92
|
9.97
|
|
Peer Median
|
12.95
|
--
|
--
|
--
|
--
|
Price / Book Value
1.08
Lower than Peers by 0.24
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
1.08
|
1.05
|
1.38
|
1.11
|
1.01
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
1.46
Lower than Peers by 0.99
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
1.46
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.45
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
--
|
-3.44
|
3.62
|
3.80
|
2.59
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
15,264
Higher than Peers by 14,947
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Pinnacle Financial Partners (PNFP)
|
15,264
|
--
|
--
|
--
|
--
|
|
Peer Median
|
317
|
--
|
--
|
--
|
--
|