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What this page is: Delvantic's full research page for Pinnacle Financial Partners Inc. (PNFP) — AI-driven forensic equity research: mechanical valuation models (DCF, EPV, anchored-PE, scenario) plus three independent AI lenses (Quality / Value / Sentiment). Everything below is rendered server-side; you are not missing content that requires JavaScript. All scores are predictions and research opinions, not financial advice.
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Pinnacle Financial Partners Inc. is a regional bank holding company that, together with its subsidiary Pinnacle Bank, provides a comprehensive suite of financial services to commercial and consumer clients across the Southeast and Atlantic Coast regions. It offers traditional banking products such as savings, checking, money market, and certificate of deposit accounts, alongside lending solutions including commercial, real estate, and consumer loans tailored to individuals, small to medium-sized businesses, and their owners. The company also delivers treasury management services like online wire origination, enhanced ACH, positive pay, zero balance accounts, and sweeps, as well as investment, trust, mortgage, and insurance products. Organized by geography with local decision-making authority, Pinnacle Financial Partners Inc. emphasizes relationship-based banking through teams of lenders, treasury specialists, and wealth advisors serving clients in nine states: Tennessee, Georgia, Florida, North Carolina, South Carolina, Alabama, Kentucky, Virginia, and Maryland. Following its merger with Synovus Financial Corp., the holding company is headquartered in Atlanta, Georgia, while the bank is headquartered in Nashville, Tennessee, operating more than 400 offices and maintaining strong deposit market share in key metropolitan areas like Nashville and Atlanta.
Recent SEC Filings
| Filed | Form | Document |
|---|---|---|
| Aug 10, 2026 | 4 | View |
| Aug 6, 2026 | 144 | View |
| Aug 6, 2026 | SCHEDULE 13G/A | View |
| Aug 6, 2026 | SCHEDULE 13G | View |
| Aug 4, 2026 | 10-Q | View |
| Aug 3, 2026 | 4 | View |
| Jul 31, 2026 | 8-K | View |
| Jul 29, 2026 | SCHEDULE 13G/A | View |
| Jul 24, 2026 | 4 | View |
| Jul 22, 2026 | 8-K | View |
| Jun 29, 2026 | 11-K | View |
| Jun 29, 2026 | S-8 | View |
Filings link to the SEC’s EDGAR system. Annual/quarterly reports (10-K, 10-Q, 20-F) carry the full story; 8-K/6-K current reports are the fastest signal that something material happened.
Revenue & Net Income Trend
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
EPS (Diluted): 8.07
Total Equity: $7.04B
Shares: 79,537,175
Total Debt: $0.00
Cash: $3.57B
EBITDA: N/A
Total Debt: $0.00
Cash: $3.57B
Revenue: $1.79B
Revenue: $1.79B
Revenue: $1.79B
Total Equity: $7.04B
Tax Rate: 17.7%
Equity: $7.04B
Total Debt: $0.00
Cash: $3.57B
Current Liabilities: N/A
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $7.04B
Shares: 79,537,175
Shares: 79,537,175
CapEx: -$79.93M
Shares: 79,537,175
Stock Price: $105.03
Net Income: $641.87M
Income Statement (Annual)
Last updated: Aug 11, 2026 10:09am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.1B | $1.3B | $1.4B | $1.5B | $1.8B |
| Cost of Revenue | — | — | — | — | — |
| Gross Profit | — | — | — | — | — |
| Operating Expenses | $472.1M | $558.6M | $587.6M | $678.7M | $785.9M |
| Operating Income | — | — | — | — | — |
| Net Income | $527.3M | $560.7M | $562.2M | $475.1M | $641.9M |
| EBITDA | — | — | — | — | — |
| EPS | $6.79 | $7.20 | $7.20 | $6.01 | $8.15 |
| EPS (Diluted) | $6.75 | $7.17 | $7.14 | $5.96 | $8.07 |
Balance Sheet (Annual)
Last updated: Aug 7, 2026 3:52am (4d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Cash & Equivalents | $1.2B | $2.2B | $3.4B | $3.6B |
| Total Current Assets | — | — | — | — |
| Total Assets | — | — | $52.6B | $57.7B |
| Current Liabilities | — | — | — | — |
| Long-Term Debt | — | — | — | — |
| Total Liabilities | — | — | $46.2B | $50.7B |
| Total Equity | $5.5B | $6.0B | $6.4B | $7.0B |
| Retained Earnings | — | — | $3.2B | $3.7B |
Cash Flow (Annual)
Last updated: Aug 7, 2026 3:52am (4d ago)| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | $478.4M | $904.3M | $759.0M |
| Capital Expenditure | -$78.3M | -$94.5M | -$79.9M |
| Free Cash Flow | $400.1M | $809.8M | $679.1M |
| Acquisitions (net) | — | — | — |
| Net Debt Issued / (Repaid) | — | — | — |
| Dividends Paid | -$68.7M | -$69.0M | -$74.7M |
| Stock Buybacks | — | — | — |
| Net Change in Cash | $1.1B | $1.2B | $129.2M |
Growth Trends (YoY %)
Last updated: Aug 11, 2026 10:09am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +16.8% | +6.0% | +10.0% | +17.8% |
| Gross Profit Growth | — | — | — | — |
| Operating Income Growth | — | — | — | — |
| Net Income Growth | +6.3% | +0.3% | -15.5% | +35.1% |
| EBITDA Growth | — | — | — | — |
Insider Trading (Recent)
All SEC Form 4 codes
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-08-03 | BOXLEY ABNEY S III | J-Other | 13,087.00 | — | — |
| 2026-07-24 | MCCABE ROBERT A JR | P-Purchase | 10,013.00 | $99.90 | $1.0M |
Industry Benchmarks
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
Narrative Economics
market-narrative step).
Claude Reading
ai-findings step) when a report is run on this ticker.
GPT Reading
gpt-critique step) after the other Big-3 seats, when a
report is run on this ticker.
Grok Reading
grok-critique step) alongside the other Big-3 seats, when a
report is run on this ticker.