Filing Flows › Pinnacle Financial Partners (PNFP) › Q3 2026 › vs Q3 2025
Pinnacle Financial Partners (PNFP) Q3 2026 vs Q3 2025 (year over year)
Pinnacle Financial Partners's revenue rose $768M (+141%) from $544M in Q3 2025 to $1.3B in Q3 2026. The biggest changes: Net interest income +$589M (+148%); Noninterest income +$179M (+122%). Operating margin 36.4% against 38.4% (-2.1 pts).
Pinnacle Financial Partners, Q3 2026: revenue $1.3B (+141% year over year), operating margin 36.4%, net earnings $379M, operating cash flow $376M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 36.4% | 38.4% | -2.1 pts |
| Net margin | 28.9% | 31.8% | -2.9 pts |
| Free cash flow margin | 27.8% | 69.3% | -41.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $986M | $397M | $589M | +148% |
| Noninterest income | $326M | $147M | $179M | +122% |
| Revenue | $1.3B | $544M | $768M | +141% |
| Operating profit | $477M | $209M | $268M | +128% |
| Costs & expenses | $835M | $335M | $500M | +149% |
| Pre-tax earnings | $477M | $209M | $268M | +128% |
| Credit loss provision | $80.0M | $29.0M | $51.0M | +176% |
| Noninterest expense | $749M | $303M | $446M | +147% |
| Other operating costs | $6.0M | $3.0M | $3.0M | +100% |
| Net earnings | $379M | $173M | $206M | +119% |
| Income tax | $98.0M | $36.0M | $62.0M | +172% |
| Depreciation & amortization | $105M | $38.0M | $67.0M | +176% |
| Share-based compensation | $20.0M | $11.0M | $9.0M | +82% |
| Working capital & other | $128M | −$182M | $310M | — |
| Operating cash flow | $376M | $404M | −$28.0M | -7% |
| Free cash flow (OCF − capex) | $365M | $377M | −$12.0M | -3% |
| Capital expenditures | $11.0M | $27.0M | −$16.0M | -59% |
Questions
How much did Pinnacle Financial Partners's revenue grow year over year in Q3 2026?
Pinnacle Financial Partners's revenue rose $768M (+141%) from $544M in Q3 2025 to $1.3B in Q3 2026.
What drove Pinnacle Financial Partners's revenue change in Q3 2026?
Net interest income +$589M (+148%); Noninterest income +$179M (+122%).