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Pinnacle Financial Partners cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$365M in Q3 2026 · $1.4B over twelve months

Operating cash flow$376M
Capital spending−$11.0M
Free cash flow+$365M
Cash / net income1.0×

Analysis

In Q3 2026, Pinnacle Financial Partners generated $376M of operating cash flow and spent $11.0M on capital projects, leaving free cash flow of $365M. That is $12.0M less than in Q3 2025 ($377M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.4B; the largest uses were other investing ($5.2B), dividends ($440M), capital spending ($24.2M); besides operations, cash came from net borrowing (+) / repaid (−) ($6.2B), other financing ($1.4B); the cash balance rose by $3.4B.

Operating cash flow was $376M against net income of $379M — 1.0× profit, roughly in line with earnings. The largest differences: depreciation & amortization +$105M, prepaid and other assets −$101M, deferred taxes −$29.0M.

Free cash flow

Pinnacle Financial Partners: free cash flow by quarterPinnacle Financial Partners: free cash flow by quarter−$42.0MQ1 2025$250MQ2 2025$377MQ3 2025$57.9MQ4 2025$911MQ1 2026$67.0MQ2 2026$365MQ3 2026
Operating cash flow less capital spending.
Pinnacle Financial Partners: operating cash flow against capital spendingPinnacle Financial Partners: operating cash flow against capital spendingOperating cash flowCapital spending−$22.0M$20.0MQ1 2025$261M$11.0MQ2 2025$404M$27.0MQ3 2025$33.1M−$24.8MQ4 2025$926M$15.0MQ1 2026$90.0M$23.0MQ2 2026$376M$11.0MQ3 2026
Latest (Q3 2026): Operating cash flow $376M, Capital spending $11.0M.

Capital allocation, year by year

Pinnacle Financial Partners: where the cash came from (up) and went (down), by fiscal yearPinnacle Financial Partners: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2023: Operating cash flow $1.3BFY2023: Net borrowing −$2.2BFY2023: Shares issued −$3.7MFY2023: Capital spending −$32.2MFY2023: Dividends −$216M$1.3BFY2023FY2024: Operating cash flow $821MFY2024: Net borrowing −$204MFY2024: Shares issued −$14.4MFY2024: Capital spending −$56.2MFY2024: Buybacks −$272MFY2024: Dividends −$220M$821MFY2024FY2025: Operating cash flow $676MFY2025: Net borrowing $694MFY2025: Shares issued −$21.1MFY2025: Capital spending −$33.2MFY2025: Buybacks −$142MFY2025: Dividends −$271M$1.4BFY2025
Over these 3 years operating cash flow totalled $2.8B; the largest uses were net borrowing ($2.4B) and dividends ($707M). Cash-flow statements as filed.

Where the cash came from and went

Pinnacle Financial Partners: sources (+) and uses (−) of cash, Q3 2026Pinnacle Financial Partners: sources (+) and uses (−) of cash, Q3 2026Other investing−$2.4BOther financing$1.9BCash drawn (+) / kept (−)$430MOperating cash flow$376MNet borrowing (+) / repaid (−)−$198MDividends−$76.0MCapital spending−$11.0M
Pinnacle Financial Partners: sources (+) and uses (−) of cash, TTM to Q3 2026Pinnacle Financial Partners: sources (+) and uses (−) of cash, 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 profit to cash

Pinnacle Financial Partners: net income to operating cash flow, Q3 2026Pinnacle Financial Partners: net income to operating cash flow, Q3 2026Net income$379MDepreciation & amortization$105MStock-based pay$20.0MDeferred taxes−$29.0MPrepaid and other assets−$101MOperating cash flow$376M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$376M−$11.0M—−$76.0M−$198M$430M$365M
Q2 2026$90.0M−$23.0M$1.0M−$75.0M$4.5B−$1.7B$67.0M
Q1 2026$926M−$15.0M$2.5B−$75.0M$1.1B−$2.4B$911M
Q4 2025$33.1M$24.8M—−$214M$812M$285M$57.9M
Q3 2025$404M−$27.0M—−$19.0M−$1.0M−$276M$377M
Q2 2025$261M−$11.0M—−$19.0M−$116M$890M$250M
Q1 2025−$22.0M−$20.0M—−$19.0M—−$443M−$42.0M

Pinnacle Financial Partners: income statement and cash flow

Pinnacle Financial Partners, Q3 2026: revenue $1.3B (+141% year over year), operating margin 36.4%. The chart follows the revenue to costs, profit and cash.

Pinnacle Financial Partners: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.