Filing Flows › Pinnacle Financial Partners (PNFP) › Q4 2025
Pinnacle Financial Partners (PNFP) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 2, 2026
Pinnacle Financial Partners (PNFP) reported revenue of $543M for the fourth quarter 2025 (Q4 2025) and -0.2% from the quarter before. Operating margin was 37.7%, net earnings $169M (31.1% of revenue).
Pinnacle Financial Partners, Q4 2025: revenue $543M, operating margin 37.7%, net earnings $169M, operating cash flow $116M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $543M | -0.2% | — |
| Operating profit | $205M | -2% | — |
| Net earnings | $169M | -2% | — |
| Operating cash flow | $116M | -71% | — |
| Free cash flow | $94.1M | -75% | — |
What changed
Revenue was $542.9M in Q4 2025, roughly flat from the previous quarter. Net interest income was the largest line at 75% of revenue.
Operating profit was $204.9M, a 37.7% margin. Net earnings were $168.9M. The effective tax rate was 17.6%.
Operating cash flow was $116.0M, 69% of net earnings. Non-cash charges added back $11.6M of share-based compensation. Working capital and other items used $64.5M. Capital expenditures of $21.9M left free cash flow of $94.1M.
Questions
What was Pinnacle Financial Partners' revenue in the fourth quarter 2025?
Pinnacle Financial Partners (PNFP) reported revenue of $543M for the fourth quarter 2025 (Q4 2025) and -0.2% from the quarter before.
Was Pinnacle Financial Partners profitable in the fourth quarter 2025?
Operating profit was $205M (37.7% of revenue) and net earnings $169M.