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Pinnacle Financial Partners (PNFP) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 2, 2026 · Pinnacle Financial Partners (PNFP) Q3 2026 earnings results →

Q3 2026 Revenue up 141% year over year to $1.3B · 29¢ of every $1 of revenue kept as net profit · operating margin 36.4%

Pinnacle Financial Partners made $1.3B in Q3 2026 (+141% Y/Y): Net interest income $986M, Noninterest income $326M. Operating margin 36.4%, net earnings $379M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 2, 2026.

Revenue$1.3B
Year over year+141%
Operating margin36.4%
Net earnings$379M
Operating cash flow$376M

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Pinnacle Financial Partners Q3 2026 revenue breakdown: Sankey diagram of revenue (Net interest income, Noninterest income), costs, profit and cash flow
Pinnacle Financial Partners Q3 2026 revenue breakdown — free to use with credit and a link (terms). Share on X
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What changed this quarter

Revenue was $1.3B in Q3 2026, up 141% year over year and up 9% from the previous quarter. Net interest income was the largest line at 75% of revenue. Net interest income added $0.59B year over year (up 148%), 77% of the total change.

Operating profit was $0.48B, a 36.4% margin (down 2.1 points year over year). Of the extra revenue versus a year earlier, 35% reached operating profit, below the 38% margin then. Total costs grew 149% against revenue growth of 141%. The fastest-growing cost line was Credit loss provision (+176%). Net earnings were $0.38B, up 119% year over year. The effective tax rate was 20.5%.

Operating cash flow was $0.38B (down 7% year over year), 99% of net earnings. Non-cash charges added back $0.10B of depreciation and amortization and $0.02B of share-based compensation. Working capital and other items used $0.13B. Capital expenditures of $0.01B left free cash flow of $0.36B.

Quarterly history

Pinnacle Financial Partners revenue by quarterPinnacle Financial Partners revenue by quarter$543MQ4 2025$1.3BQ3 2026
Pinnacle Financial Partners net earnings by quarterPinnacle Financial Partners net earnings by quarter$169MQ4 2025$379MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 2, 2026$1.3B+141%36.4%$379M$376M
Q4 202510-KMar 2, 2026$543M—37.7%$169M$116M

Charts

Pinnacle Financial Partners: where the cash came from (+) and went (−), TTM to Q3 2026Pinnacle Financial Partners: where the cash came from (+) and went (−), TTM to Q3 2026Net borrowing (+) / repaid (−)$6.2BOther investing−$5.2BCash drawn (+) / kept (−)−$3.4BOther financing$1.4BOperating cash flow$1.4BDividends−$440MCapital spending−$24.2M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Pinnacle Financial Partners: profit against cash, quarter by quarterPinnacle Financial Partners: profit against cash, quarter by quarterNet incomeOperating cash flow$140M−$22.0MQ1 2025$159M$261MQ2 2025$173M$404MQ3 2025$319M$33.1MQ4 2025$150M$926MQ1 2026$328M$90.0MQ2 2026$379M$376MQ3 2026
Latest (Q3 2026): Net income $379M, Operating cash flow $376M.
Pinnacle Financial Partners: diluted shares by fiscal yearPinnacle Financial Partners: diluted shares by fiscal year147MFY2023145MFY2024140MFY2025
-4.5% since FY2023: buybacks shrank the count.
Pinnacle Financial Partners: long-term debt falling due (FY2025)Pinnacle Financial Partners: long-term debt falling due (FY2025)$750M2027$500M2028$203M2029$500M2030$510MLater
Cash $3.6B, short-term investments —, long-term debt $2.5B at 2025-12-31.
Pinnacle Financial Partners in its industry: growth against margin (68 companies, SIC 6021)Pinnacle Financial Partners in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBOKFBANCFNBFHNFULTWSFSFFBCWSBCCBUPRKTRMKWAFDFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEFCFDCOMNBHCBHRBAMTBWBHCCHCOALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBIPFISCAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHPNFP (+141%, 36%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Pinnacle Financial Partners

Pinnacle Financial Partners is a financial holding company headquartered in Nashville, Tennessee, with approximately $57.7 billion in total assets as of December 31, 2025. At December 31, 2025, the holding company was the parent company of Pinnacle Bank, a Tennessee state-chartered bank, and owned 100% of the capital stock of Pinnacle Bank. The firm started operations on October 27, 2000, in Nashville, Tennessee, and, as of December 31, 2025, had grown through a combination of acquisitions and organic growth to 141 offices from which it conduct branch banking operations, including 50 in Tennessee, 42 in North Carolina, 21 in South Carolina, 10 in Virginia, five in Georgia, six in Alabama, three in Kentucky, two in Maryland and two in Florida.

In its own words, from its 10-K, filed Mar 2, 2026.

Pinnacle Financial Partners against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +141% against the peers' median +8%. Operating margin: 36.4% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
PNFP Pinnacle Financial PartnersQ3 2026$1.3B+141%36.4%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: Pinnacle Financial Partners 10-Q on SEC EDGAR · CIK 2082866 · National Commercial Banks

Guidance and outlook

Pinnacle Financial Partners: what its forward-looking statements are about (10-K filed 2026-03-02)Pinnacle Financial Partners: what its forward-looking statements are about (10-K filed 2026-03-02)Other18The economy8Costs5Financing3Demand2Legal & regulation1Deals1
38 statements; tone -0.26 (−1 all cautious, +1 all confident); 6 hedged.
Pinnacle Financial Partners: outlook statements against the filing beforePinnacle Financial Partners: outlook statements against the filing beforeConfident5Cautious15

13F: who owns PNFP and who is buying

Largest holders of PNFP (13F)Largest holders of PNFP (13F)BlackRock$1.7BWellington Management Group LLP$1.1BFMR LLC$1.1BVanguard Portfolio Management LLC$697MVanguard Capital Management LLC$663MState Street$624MInvesco$566MT. Rowe Price Investment Manageme…$543MDimensional Fund Advisors LP$515MPinnacle Financial Partners$345M
Funds' net buying of PNFP by quarter (13F)Funds' net buying of PNFP by quarter (13F)$02025-06$434K2025-09$130M2025-12$750M2026-03$356M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on PNFP

History

Every quarter: Q3 2026 results · Q4 2025 results

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