Pinnacle Financial Partners, Inc. financial statements
Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data Pinnacle Financial Partners, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2023
FY2025
FY2025
Pre-tax income
714
581
780
Income tax
152
106
138
Net income
562
475
642
EPS, basic
7.20
6.01
8.15
EPS, diluted
7.14
5.96
8.07
Shares, basic (weighted)
76
76.5
76.9
Shares, diluted (weighted)
76.6
77.1
77.7
Balance sheet
FY2023
FY2025
FY2025
Cash and equivalents
2,230
3,436
3,565
Property, plant and equipment
311
340
Lease right-of-use assets
292
361
Goodwill
1,849
1,849
Intangible assets
21.4
29.7
Total assets
52,589
57,706
Total liabilities
46,158
50,662
Paid-in capital
3,130
3,144
Retained earnings
3,176
3,728
Other comprehensive income
-168
-123
Shareholders' equity
6,036
6,432
7,044
Total equity
6,036
6,432
7,044
Total liabilities and equity
52,589
57,706
Shares outstanding
77.2
78
Cash flow statement
FY2023
FY2025
FY2025
Net income
562
475
642
Depreciation and amortization
30.2
35.1
36.8
Stock-based compensation
41.9
40.9
43.6
Deferred income tax
72.4
-19.4
-75.4
Cash from operations
478
904
759
Capital expenditures
-78.3
-94.5
-79.9
Purchases of investments
-1,115
-2,649
-2,275
Sales and maturities of investments
139
325
1,104
Cash from investing
-4,602
-3,672
-5,034
Stock issued
-3.73
-14.4
-21.1
Dividends paid
-68.7
-69
-74.7
Cash from financing
5,177
3,974
4,404
Net change in cash
1,053
1,206
129
Free cash flow
400
810
679
Interest paid
1,043
1,343
1,254
Income taxes paid
99.8
-30.5
77.1
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to September 30, 2026; growth uses fiscal years. Valuation uses the share price of $102.80 on November 10, 2026.
Profitability
Metric
Value
How it is calculated
Return on equity (ROE)
7.0%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.8%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
35.1%
Net income vs the same period a year earlier. Only from a positive base.
EPS growth, 1y
35.4%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
-16.1%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-16.1%
Free cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
9.5%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
9.7%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
0.7%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
4.7%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$6.77
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$9.47
Free cash flow / diluted weighted shares.
Operating cash flow per share
$9.94
Cash from operations / diluted weighted shares.
Book value per share
$96.76
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Dividends paid / net income, when net income is positive.
Dividends / FCF
17.0%
Dividends paid / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$15.53B
Share price x shares outstanding.
Enterprise value
$8.31B
Market cap + total debt - cash - short-term investments.
P/E
15.1x
Market cap / net income. Only when net income is positive.
P/B
1.06x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.53x
Market cap / tangible book value, when positive.
P/FCF
10.8x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
10.3x
Market cap / cash from operations, when positive.
EV/FCF
5.78x
Enterprise value / free cash flow, when both are positive.
FCF yield
9.3%
Free cash flow / market cap.
Earnings yield
6.6%
Net income / market cap (the inverse of P/E).
Dividend yield
1.6%
Dividends paid over the period / market cap.
Shareholder yield
1.6%
(Dividends paid + share buybacks) / market cap.
Was Pinnacle Financial Partners, Inc. profitable in fiscal 2025?
Yes. Net income was $641.9M, a net margin of -.
How much free cash flow did Pinnacle Financial Partners, Inc. generate in fiscal 2025?
Cash from operations of $759.0M minus capital expenditures of $79.9M left free cash flow of $679.1M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.