Filing Flows › Pinnacle Financial Partners (PNFP) › Q3 2026 › vs Q4 2025
Pinnacle Financial Partners (PNFP) Q3 2026 vs Q4 2025 (quarter over quarter)
Pinnacle Financial Partners's revenue rose $109M (+9%) from $1.2B in Q4 2025 to $1.3B in Q3 2026. The biggest changes: Noninterest income +$79.0M (+32%); Net interest income +$30.0M (+3%). Operating margin 36.4% against 34.8% (+1.5 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 Q4 2025, the increases inside each band.
Margins
| Q3 2026 | Q4 2025 | Change | |
|---|---|---|---|
| Operating margin | 36.4% | 34.8% | +1.5 pts |
| Net margin | 28.9% | 27.3% | +1.6 pts |
| Free cash flow margin | 27.8% | 5.6% | +22.3 pts |
Every line
| Line | Q3 2026 | Q4 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $986M | $956M | $30.0M | +3% |
| Noninterest income | $326M | $247M | $79.0M | +32% |
| Revenue | $1.3B | $1.2B | $109M | +9% |
| Operating profit | $477M | $419M | $58.0M | +14% |
| Costs & expenses | $835M | $784M | $51.0M | +7% |
| Pre-tax earnings | $477M | $419M | $58.0M | +14% |
| Credit loss provision | $80.0M | $62.0M | $18.0M | +29% |
| Noninterest expense | $749M | $721M | $28.0M | +4% |
| Net earnings | $379M | $328M | $51.0M | +16% |
| Income tax | $98.0M | $91.0M | $7.0M | +8% |
| Depreciation & amortization | $105M | $0 | $105M | — |
| Share-based compensation | $20.0M | $21.0M | −$1.0M | -5% |
| Working capital & other | $128M | $259M | −$131M | -51% |
| Operating cash flow | $376M | $90.0M | $286M | +318% |
| Free cash flow (OCF − capex) | $365M | $67.0M | $298M | +445% |
| Capital expenditures | $11.0M | $23.0M | −$12.0M | -52% |
Questions
How much did Pinnacle Financial Partners's revenue grow quarter over quarter in Q3 2026?
Pinnacle Financial Partners's revenue rose $109M (+9%) from $1.2B in Q4 2025 to $1.3B in Q3 2026.
What drove Pinnacle Financial Partners's revenue change in Q3 2026?
Noninterest income +$79.0M (+32%); Net interest income +$30.0M (+3%).