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US regional bank built around a relationship-banking, high-service model for businesses and professionals in the Southeast.
US regional bank built around a relationship-banking, high-service model for businesses and professionals in the Southeast.
Earns net interest on loans to businesses and professionals funded by deposits, plus wealth and treasury fees, and grows by hiring teams of experienced bankers who bring clients with them, opening a market rather than buying branches. It agreed in 2025 to merge with Synovus, another Southeastern bank.
Moat: narrow (brand, customer qualification). High-touch relationship-banker model with strong local reputation aids client retention and banker recruiting.
Headquarters: Nashville, Tennessee, United States · Founded: 2000 · Employees: 3,709
Size Pinnacle Financial Partners (PNFP) is a United States Financials company (Regional Banks) with a market value of $15.2B, the 593rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $100.64 on 6 Nov 2026.
Performance Over six months the shares gained 2.8%, against +6.8% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 21 in its peer set.
Growth Revenue grew 99.5% over the last twelve months (peer median -1.8%); the operating margin is 36.8% (peer median 42.1%).
Valuation It trades at 1.10× book value against a peer median of 1.42× (8th cheapest of 21).
Price implies The share price implies a return on equity of about 10.7%; Pinnacle Financial Partners delivers 9.6%, so the price asks more than the business earns today.
Credit Pinnacle Financial Partners has 1 bond outstanding ($750M), rated BBB- by the agencies.
Short interest Short interest is 4.1% of the free float (15 Oct 2026).
Next results Next results expected around 19 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $6.29B | $3.18B | $3.00B | $2.62B | $1.64B |
| Revenue growth | — | +6% | +15% | +59% | — |
| Net income | $1.03B | $642M | $475M | $562M | $561M |
| Free cash flow | $1.47B | $679M | $810M | $443M | $531M |
| Capital expenditure | $75.6M | $244M | $99.5M | $322M | $164M |
| Total debt | $10.6B | $2.90B | $2.83B | $3.08B | $1.22B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Pinnacle Financial Partners PNFP | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% |
| Wintrust Financial WTFC | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% |
| Home BancShares HOMB | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% |
| Renasant RNST | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PNFP | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +6.3% | +1.2% | 4th highest of 21 |
| 6-month return | +2.8% | +6.8% | 8th lowest of 21 |
| Return on equity | 9.6% | 12.2% | 10th lowest of 21 |
| Price / book | 1.10× | 1.42× | 8th cheapest of 21 |
| Trailing P/E | 13.4× | 13.6× | 10th cheapest of 20 |
| ROE the price implies | 10.7% | 7.9% | 7th most demanding of 20 |
| ROE delivered | 9.6% | 12.9% | 9th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Pinnacle Financial Partners PNFP | United States | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% | 9.6% |
| Banco Santander-Chile Sponsored ADR BSAC | United States | $15.2B | +7% | +18% | 25% | 3.00× | 17.6% | 24.9% |
| ING Bank Slaski ING.WA | Poland | $15.7B | +20% | +4% | 24% | 3.24× | 33.8% | 23.7% |
| Banque Cantonale Vaudoise BCVN.SW | Switzerland | $14.4B | +20% | -8% | 12% | 3.07× | n/a | 11.6% |
| Taiwan Cooperative Financial Hl 5880.TW | Taiwan | $13.6B | +22% | -3% | 9% | 1.55× | 4.8% | 8.9% |
| Bank Polska Kasa Opieki PEO.WA | Poland | $17.4B | +12% | -5% | 18% | 2.04× | 25.7% | 18.2% |
| Bank of Shanghai 601229.SS | China | $17.6B | -13% | -7% | 8% | 0.44× | 2.0% | 7.5% |
| East West Bancorp EWBC | United States | $17.7B | +5% | +3% | 17% | 1.95× | 16.3% | 16.6% |
| Bank of Chengdu 601838.SS | China | $12.8B | +5% | +2% | 15% | 0.92× | 3.1% | 15.1% |
| Bank of Hangzhou 600926.SS | China | $18.6B | -2% | -3% | 14% | 0.86× | 3.0% | 13.8% |
| Bank of Beijing 601169.SS | China | $18.6B | +11% | -5% | 7% | 0.43× | 2.0% | 7.3% |
| CNPC Capital 000617.SZ | China | $12.3B | -31% | -14% | 5% | 0.76× | 7.9% | 4.6% |
| Sinopac Financial Hldgs 2890.TW | Taiwan | $19.3B | +36% | +31% | 16% | 2.34× | 7.7% | 16.3% |
| Chongqing Rural Commercial Bank 601077.SS | China | $11.7B | -1% | -1% | 9% | 0.57× | 2.3% | 9.4% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| Erste Bank Polska EBP.WA | Poland | $20.4B | +35% | -9% | 16% | 2.42× | 26.7% | 15.6% |
| Hua Nan Financial 2880.TW | Taiwan | $20.8B | +50% | -37% | 14% | 2.85× | 7.9% | 14.1% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
Pinnacle Financial Partners has 1 bond outstanding with $750M face value. The agencies rate it BBB-.