Pinnacle Financial Partners, Inc. logo PNFP - Pinnacle Financial Partners, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 14
HOLD 7
SELL 0
STRONG
SELL
0
| PRICE TARGET: $117.33 DETAILS
HIGH: $135.00
LOW: $109.00
MEDIAN: $115.00
CONSENSUS: $117.33
UPSIDE: 20.77%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Revenue
Revenue 2,922.4 2,853.8 2,474.6 1,549.3 1,216.0 1,199.1 1,195.3 1,049.5 714.9 431.1 307.4 249.1 230.1 219.6 214.6 239.7 245.4 240.8 173.5 125.5 51.7 32.7 21.5 14.3 7.4 0.6
Cost of Revenue 996.1 1,453.1 1,184.8 312.6 114.9 403.1 329.1 244.8 116.5 56.9 27.7 16.8 23.2 28.1 58.7 112.7 191.7 103.1 79.9 52.5 19.4 10.4 6.5 5.3 4.2 0.3
Gross Profit 1,926.3 1,400.7 1,289.8 1,236.7 1,101.1 796.1 866.2 804.8 598.5 374.2 279.6 232.3 206.8 191.5 155.9 127.0 53.7 137.7 93.5 73.0 32.3 22.3 15.0 9.0 3.2 0.3
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 922.3 678.7 587.6 558.6 472.1 368.9 345.5 299.4 231.4 155.1 119.7 98.6 92.2 89.7 85.0 70.4 62.2 54.3 37.8 28.7 13.8 9.7 7.6 5.5 4.3 1.8
Other Expenses 224.1 140.7 (11.8) (19.4) (22.9) 55.8 23.2 55.4 69.0 27.7 16.8 28.1 28.8 39.2 42.4 76.5 56.4 40.2 22.7 17.9 7.2 5.2 3.4 2.5 (1.2) (1.5)
Operating Expenses 1,146.4 819.5 575.8 539.2 449.2 424.7 368.7 354.8 300.5 182.8 136.5 126.7 120.9 128.9 127.4 146.9 118.6 94.5 60.5 46.6 21.0 14.8 11.0 8.0 3.2 0.3
Operating Income
Operating Income 779.9 581.2 714.0 697.5 651.9 371.4 497.5 449.9 298.0 191.4 143.1 105.7 85.9 62.5 28.5 (19.9) (64.9) 43.2 33.0 26.4 11.2 7.5 4.0 1.0 0 0
Interest Expense 1,247.4 1,332.5 1,091.2 244.6 98.8 199.3 301.8 210.4 92.8 38.6 18.5 13.2 15.4 22.6 36.9 59.0 74.9 91.9 75.2 48.7 17.3 7.4 5.4 4.4 2.6 0.1
Interest Income 2,795.6 2,698.1 2,353.4 1,373.9 1,031.2 1,021.0 1,067.9 946.7 636.1 363.6 255.2 206.2 191.3 185.4 188.3 203.3 205.7 206.1 150.9 109.7 46.3 27.7 18.3 12.6 6.1 0.5
Profitability
EBITDA 837.8 679.8 792.7 759.8 705.2 416.6 505.9 426.3 274.4 191.6 153.4 114.9 95.1 72.7 39.5 (8.4) (54.1) 50.5 37.3 28.4 13.2 9.8 5.8 2.0 0.6 0.1
EBIT 779.9 581.2 714.0 697.5 651.9 371.4 497.5 449.9 298.0 191.4 143.1 105.7 85.9 62.5 28.5 (19.9) (64.9) 43.2 33.0 26.4 11.2 7.5 4.0 1.0 0 0
Income Before Tax 779.9 581.2 714.0 697.5 651.9 371.4 497.5 449.9 298.0 191.4 143.1 105.7 85.9 62.5 28.5 (19.9) (64.9) 43.2 33.0 26.4 11.2 7.5 4.0 1.0 0 0
Income Tax Expense 137.8 106.2 151.9 136.8 124.6 59.0 96.7 90.5 124.0 64.2 47.6 35.2 28.2 20.6 (15.2) 4.4 (29.4) 12.4 10.0 8.5 3.2 2.2 1.4 0.4 2.6 0.1
Net Income 642.1 475.1 562.2 560.7 527.3 312.3 400.9 359.4 174.0 127.2 95.5 70.5 57.7 41.9 43.7 (24.3) (35.5) 30.9 23.0 17.9 8.1 5.3 2.6 0.6 (1.1) (2.3)
Per Share Data
EPS (Basic) 8.15 6.01 7.20 7.20 6.79 4.04 5.25 4.66 2.73 2.96 2.58 2.03 1.69 1.12 1.11 -0.93 -1.46 1.34 1.43 1.28 0.96 0.69 0.35 0.11 -0.28 -0.59
EPS (Diluted) 8.09 5.96 7.14 7.17 6.75 4.03 5.22 4.64 2.70 2.91 2.52 2.01 1.67 1.10 1.09 -0.93 -1.46 1.27 1.34 1.18 0.85 0.61 0.32 0.11 -0.28 -0.59
Shares Outstanding 76.9 76.5 76.0 75.7 75.5 75.4 76.4 77.1 63.8 43.0 37.0 34.7 34.2 33.9 33.4 32.8 28.4 22.8 16.1 14.0 8.4 7.8 7.4 6.1 4.0 3.8
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000
Current Assets
Cash & Cash Equivalents 3,565.1 3,342.3 2,143.5 1,145.9 4,019.0 3,725.5 368.7 654.4 652.7 182.3 125.0 77.3 15.6 14.9 12.9 5.7 3.3
Short-Term Investments 9,253.6 5,582.4 4,317.5 3,558.9 4,914.2 3,586.7 3,540.0 3,083.7 2,515.3 1,298.5 0 0 0 0 0 0 0
Net Receivables 38,932.2 214.1 217.5 161.2 98.8 104.1 84.5 79.7 57.4 28.2 19.1 17.6 2.6 0 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 51,750.9 9,138.7 6,678.5 4,866.0 9,032.0 7,416.3 3,993.1 3,817.7 3,225.4 1,509.0 144.1 94.8 18.3 14.9 12.9 5.7 3.3
Non-Current Assets
Property, Plant & Equipment 340.0 311.3 256.9 327.9 288.2 290.0 273.9 265.6 266.0 88.9 80.7 68.9 11.1 6.9 3.6 3.4 2.5
Goodwill 1,848.9 1,849.3 1,847.0 1,847.0 1,819.8 1,819.8 1,819.8 1,807.1 1,808.0 551.6 244.1 244.2 0 0 0 0 0
Intangible Assets 29.7 21.4 27.5 34.6 33.8 42.3 51.1 46.2 56.7 15.1 13.7 16.9 0 0 0 0 0
Long-Term Investments 391.9 38,502.2 35,888.1 32,326.5 24,731.3 23,595.4 20,259.5 18,107.6 15,937.5 8,691.9 4,461.6 4,227.3 676.5 434.8 281.0 152.5 19.9
Other Non-Current Assets 3,344.6 2,766.5 3,262.0 2,568.1 2,564.2 1,769.0 1,407.9 986.9 912.0 338.1 184.7 102.1 21.2 41.7 7.7 13.8 13.3
Total Non-Current Assets 5,955.1 43,450.7 41,281.4 37,104.0 29,437.4 27,516.6 23,812.4 21,213.3 18,980.3 9,685.6 4,984.7 4,659.3 708.9 483.5 292.3 169.8 35.7
Total Assets 57,706.1 52,589.4 47,959.9 41,970.0 38,469.4 34,932.9 27,805.5 25,031.0 22,205.7 11,194.6 5,128.8 4,754.1 727.1 498.4 305.3 175.4 39.0
Current Liabilities
Account Payables 379.6 55.6 67.0 19.5 12.5 24.9 42.2 23.6 10.5 5.6 6.6 8.3 0.8 0 0 0 0
Short-Term Debt 316.4 230.2 209.5 194.9 152.6 128.2 126.4 104.7 135.3 85.7 275.5 255.9 56.9 44.0 15.1 8.5 0.4
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 47,761.2 42,843.0 38,539.8 34,961.2 31,304.5 27,705.6 20,181.0 18,849.1 16,451.7 8,759.3 3,823.6 3,533.2 570.7 390.6 234.0 133.3 22.5
Total Current Liabilities 48,457.3 43,128.9 38,816.3 35,175.6 31,469.6 27,858.7 20,349.6 18,977.4 16,597.4 8,850.6 4,105.6 3,797.5 628.4 434.6 249.1 141.8 22.9
Non-Current Liabilities
Long-Term Debt 2,205.0 2,300.0 2,563.1 888.5 1,311.9 1,758.5 2,811.6 1,928.7 1,785.4 757.1 310.1 299.4 38.8 25.8 21.5 14.7 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 0 728.8 544.7 386.5 377.3 411.1 288.6 159.0 114.9 90.3 12.0 29.8 2.0 3.7 2.3 0.7 0.3
Total Non-Current Liabilities 2,205.0 3,028.7 3,107.8 1,275.0 1,689.2 2,169.6 3,100.2 2,087.7 1,900.3 847.3 322.2 329.3 40.8 29.5 23.8 15.4 0.3
Total Liabilities 50,662.3 46,157.6 41,924.1 36,450.6 33,158.8 30,028.2 23,449.7 21,065.1 18,497.7 9,697.9 4,427.8 4,128.7 669.3 464.1 272.9 157.1 23.3
Stockholders' Equity
Common Stock 77.7 77.2 76.8 76.5 76.1 75.8 76.6 77.5 77.7 46.4 33.0 23.8 8.4 3.7 3.7 2.3 1.9
Retained Earnings 3,727.8 3,175.8 2,784.9 2,341.7 1,864.3 1,407.7 1,184.2 833.1 519.1 381.1 43.4 84.4 5.1 (0.2) (2.7) (3.4) (2.3)
Accumulated Other Comprehensive Income (123.0) (167.9) (152.5) (190.8) 107.2 175.8 30.5 (52.1) (4.2) (14.2) 7.4 7.1 (0.0) 0.2 0.8 0.1 (0.0)
Total Stockholders' Equity 7,043.7 6,431.9 6,035.8 5,519.4 5,310.6 4,904.6 4,355.7 3,965.9 3,708.0 1,496.7 701.0 627.3 57.9 34.3 32.4 18.3 15.8
Total Liabilities & Equity 57,706.1 52,589.4 47,959.9 41,970.0 38,469.4 34,932.9 27,805.5 25,031.0 22,205.7 11,194.6 5,128.8 4,754.1 727.1 498.4 305.3 175.4 39.0
Debt Metrics
Total Debt 2,521.5 2,530.2 2,772.6 1,083.4 1,464.4 1,886.7 2,938.0 2,033.5 1,920.7 842.8 585.6 555.4 95.7 69.9 36.5 23.2 0.4
Net Debt (1,043.6) (812.1) 629.1 (62.5) (2,554.6) (1,838.9) 2,569.3 1,379.1 1,268.0 660.5 460.6 478.1 80.1 54.9 23.6 17.5 (2.9)
Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2005 2004 2003 2002 2001 2000
Operating Activities
Net Income 475.1 562.2 560.7 527.3 312.3 400.9 359.4 174.0 127.2 95.5 8.1 5.3 2.6 0.6 (1.1) (2.3)
Depreciation & Amortization 98.6 78.7 62.3 53.3 45.2 8.3 (23.6) (23.6) 0.2 10.3 1.9 2.3 1.8 1.0 0.6 0.1
Stock-Based Compensation 40.9 41.9 39.6 25.0 18.7 21.2 17.6 19.5 11.0 7.3 0 0 0 0 0 0
Change in Working Capital 161.0 (254.9) (109.1) 13.2 (88.1) 21.8 36.1 (54.7) (1.1) (9.8) (1.0) (2.3) 0.7 0.6 (0.1) (0.7)
Other Non-Cash Items 148.1 (21.8) 31.6 50.9 196.9 (35.4) 69.4 (9.0) 0.6 (24.5) (0.2) 2.3 (1.0) 0.8 1.5 0.1
Operating Cash Flow 904.3 478.4 604.9 657.4 426.8 431.5 470.8 165.9 152.3 84.6 8.2 6.7 4.6 3.4 (1.2) (2.7)
Investing Activities
Capital Expenditure (97.0) (78.3) (64.3) (23.2) (39.8) (42.2) (23.7) (53.5) (17.1) (10.9) (3.4) (5.1) (3.9) (0.7) (1.3) (3.0)
Acquisitions 0 0 (30.9) 0 0 (44.6) 0 155.1 17.6 5.9 0 0 0 0 0 0
Purchases of Investments (2,748.3) (1,207.8) (1,854.4) (2,377.9) (1,482.4) (1,618.9) (1,371.6) (1,298.5) (685.5) (420.9) (116.4) (132.8) (132.3) (67.9) (22.1) (7.6)
Sales/Maturities of Investments 1,406.9 495.5 521.6 794.7 671.1 1,118.3 499.2 691.2 359.8 343.7 39.7 63.6 64.8 14.7 9.4 0
Other Investing Activities (2,236.5) (3,811.8) (5,257.2) (2,006.6) (2,717.6) (2,029.0) (2,072.9) (1,609.9) (954.0) (660.4) (178.3) (177.3) (88.6) (78.1) (122.5) (12.4)
Investing Cash Flow (3,672.5) (4,602.4) (6,684.4) (3,613.0) (3,567.6) (2,616.3) (2,969.1) (2,115.5) (1,279.1) (742.6) (258.4) (251.5) (160.1) (131.9) (136.5) (23.1)
Financing Activities
Net Debt Issuance (245.8) 1,674.7 (454.8) (450.3) (1,055.4) 750.6 142.8 913.3 169.1 51.1 42.5 25.9 33.3 13.4 22.8 0.4
Stock Repurchased (14.4) (3.7) (5.5) (3.8) (53.3) (61.4) (20.7) 0 0 0 0 0 0 0 0 0
Dividends Paid (84.2) (83.9) (83.4) (70.7) (57.0) (49.8) (45.5) (35.9) (24.7) (18.3) 0 (0.0) 0 0 0 0
Other Financing Activities 4,318.1 3,590.0 3,699.0 3,620.3 7,524.1 1,350.4 2,363.8 1,476.0 845.1 758.3 239.4 180.2 156.4 100.8 110.7 22.5
Financing Cash Flow 3,973.7 5,177.0 3,155.4 3,095.6 6,575.6 1,989.8 2,440.4 2,545.6 989.5 791.0 282.1 224.3 189.7 126.9 137.1 41.0
Cash Position
Net Change in Cash 1,205.6 1,053.0 (2,924.2) 140.1 3,434.7 (195.0) (57.9) 596.0 (137.3) 133.0 31.9 (20.4) 34.2 (1.6) (0.6) 15.2
Cash at Beginning 2,230.3 1,177.4 4,101.5 3,961.4 526.7 721.7 779.6 183.6 321.0 187.9 26.7 47.2 12.9 14.6 15.2 0
Cash at End 3,435.9 2,230.3 1,177.4 4,101.5 3,961.4 526.7 721.7 779.6 183.6 321.0 58.7 26.7 47.2 12.9 14.6 15.2
Free Cash Flow 807.3 400.1 540.6 634.3 387.0 389.3 447.0 112.4 135.3 73.7 4.7 1.6 0.7 2.7 (2.5) (5.7)
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000
Income Statement
Revenue 2,922.4 2,853.8 2,474.6 1,549.3 1,216.0 1,199.1 1,195.3 1,049.5 714.9 431.1 307.4 249.1 230.1 219.6 214.6 239.7 245.4 240.8 173.5 125.5 51.7 32.7 21.5 14.3 7.4 0.6
Gross Profit 1,926.3 1,400.7 1,289.8 1,236.7 1,101.1 796.1 866.2 804.8 598.5 374.2 279.6 232.3 206.8 191.5 155.9 127.0 53.7 137.7 93.5 73.0 32.3 22.3 15.0 9.0 3.2 0.3
Operating Income 779.9 581.2 714.0 697.5 651.9 371.4 497.5 449.9 298.0 191.4 143.1 105.7 85.9 62.5 28.5 (19.9) (64.9) 43.2 33.0 26.4 11.2 7.5 4.0 1.0 0 0
Net Income 642.1 475.1 562.2 560.7 527.3 312.3 400.9 359.4 174.0 127.2 95.5 70.5 57.7 41.9 43.7 (24.3) (35.5) 30.9 23.0 17.9 8.1 5.3 2.6 0.6 (1.1) (2.3)
EPS (Diluted) 8.09 5.96 7.14 7.17 6.75 4.03 5.22 4.64 2.70 2.91 2.52 2.01 1.67 1.10 1.09 -0.93 -1.46 1.27 1.34 1.18 0.85 0.61 0.32 0.11 -0.28 -0.59
Balance Sheet
Cash & Equivalents 3,565.1 3,342.3 2,143.5 1,145.9 4,019.0 3,725.5 368.7 654.4 652.7 182.3 125.0 77.3 15.6 14.9 12.9 5.7 3.3
Total Assets 57,706.1 52,589.4 47,959.9 41,970.0 38,469.4 34,932.9 27,805.5 25,031.0 22,205.7 11,194.6 5,128.8 4,754.1 727.1 498.4 305.3 175.4 39.0
Total Debt 2,521.5 2,530.2 2,772.6 1,083.4 1,464.4 1,886.7 2,938.0 2,033.5 1,920.7 842.8 585.6 555.4 95.7 69.9 36.5 23.2 0.4
Stockholders' Equity 7,043.7 6,431.9 6,035.8 5,519.4 5,310.6 4,904.6 4,355.7 3,965.9 3,708.0 1,496.7 701.0 627.3 57.9 34.3 32.4 18.3 15.8
Cash Flow
Operating Cash Flow 904.3 478.4 604.9 657.4 426.8 431.5 470.8 165.9 152.3 84.6 8.2 6.7 4.6 3.4 (1.2) (2.7)
Capital Expenditure (97.0) (78.3) (64.3) (23.2) (39.8) (42.2) (23.7) (53.5) (17.1) (10.9) (3.4) (5.1) (3.9) (0.7) (1.3) (3.0)
Free Cash Flow 807.3 400.1 540.6 634.3 387.0 389.3 447.0 112.4 135.3 73.7 4.7 1.6 0.7 2.7 (2.5) (5.7)