Filing Flows › Pinnacle Financial Partners (PNFP) › Q3 2026
Pinnacle Financial Partners (PNFP) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 2, 2026
Pinnacle Financial Partners (PNFP) reported revenue of $1.3B for the third quarter 2026 (Q3 2026), +141% from a year earlier and +9% from the quarter before. Operating margin was 36.4%, net earnings $379M (28.9% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.3B | +9% | +141% |
| Operating profit | $477M | +14% | +128% |
| Net earnings | $379M | +16% | +119% |
| Operating cash flow | $376M | +318% | -7% |
| Free cash flow | $365M | +445% | -3% |
What changed
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.
Questions
What was Pinnacle Financial Partners' revenue in the third quarter 2026?
Pinnacle Financial Partners (PNFP) reported revenue of $1.3B for the third quarter 2026 (Q3 2026), +141% from a year earlier and +9% from the quarter before.
Was Pinnacle Financial Partners profitable in the third quarter 2026?
Operating profit was $477M (36.4% of revenue) and net earnings $379M.