PINNACLE FINANCIAL PARTNERS INC
PNFP, PNFPPFinancials · National Commercial Banks · TN · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $475.1M | $562.2M | $560.7M | $125.4M | $28.4M | $400.9M |
| Total assets | $52.59B | $47.96B | $41.97B | $38.47B | $34.93B | $27.81B |
| Total liabilities | $46.16B | $41.92B | $36.45B | $33.16B | $30.03B | $23.45B |
| Equity | $6.43B | $6.04B | $5.52B | $5.31B | $4.90B | $4.36B |
| EPS (diluted) | $5.96 | $7.14 | $7.17 | $1.61 | $0.37 | $1.22 |
| Shares out. | 76.9M | 76.6M | 76.3M | 76.0M | 77.5M | 77.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2024- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.4%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.8%
- Debt / equity
- 7.18×
- Book value / share
- $83.60
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- −15.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2024- Accruals / assets
- −0.8%clean
- Piotroski F-Score
- 3/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Aqr Capital Management LlcPassive (13G)Feb 13, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Burns Gregory LDirector | Jan 1, 2026 | D | 21,384 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Amended charter or bylaws · Other material eventJan 2, 2026
- Regulation FD disclosureDec 8, 2025
- Other material eventDec 1, 2025
- Regulation FD disclosure · Other material eventNov 26, 2025
- Shareholder vote · Regulation FD disclosureNov 6, 2025
- Other material eventOct 28, 2025
- Results of operationsOct 16, 2025
- Regulation FD disclosureAug 28, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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