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Pinnacle Financial Partners, Inc. (PNFP)

NYSE: PNFP · National Commercial Banks · Atlanta, GA · filing with the SEC since 2025
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Grade5.7
◀ Past 5.8● Present 5.9▶ Future 5.1
2 est.
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The grade of Pinnacle Financial Partners, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.7/10
◀ Past5.840% of the headline
● Present5.935% of the headline
▶ Future5.125% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.8/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.5/10

Has it survived what it has been through?

No warning events in its filings since 2025.

weight 45% of this tense · 75th percentile among 83 sector filers · read for itself

From the record

Pinnacle Financial Partners, Inc.'s filings since 2025 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.5/10

What has it actually done, year after year?

+9% a year over 3 filed years; profitable in 3 of 3.

weight 22% of this tense · 65th percentile among 79 sector filers · read for its customers

From the record

Pinnacle Financial Partners, Inc.'s 3 filed years say what it did: revenue went from $2.4 billion in fiscal 2023 to $2.8 billion in fiscal 2025, up 9% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 3 of 3 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span9.0%bottom 22% of its family
  • the share of years revenue rosetop 9% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak0.0%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
3.0/10

How has it treated the people who own it?

Share count grew 0.7% a year. 10% of cash flow returned. Insiders: 5 sales, 5 purchases.

weight 33% of this tense · 30th percentile among 81 sector filers · read for its shareholders

From the record

Over the 2 fiscal years to 2025-12-31, Pinnacle Financial Partners, Inc.'s diluted share count grew about 0.7% a year, and dividends and buybacks returned about 10% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 5 sales and 5 purchases of their own stock on the open market in the year to 2026-11-06, buying about $2 million (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 48% of its family
  • cash returned against operating cash flowbottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.9/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
5.1/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.

weight 45% of this tense · 51st percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Pinnacle Financial Partners, Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 0.7% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 25% of its family
  • return on equitybottom 37% of its family
  • the share count against the year beforebottom 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.7/10

How strong is its position in its industry?

bottom 47% of 79 in its family; net margin 23%.

weight 33% of this tense · 47th percentile among 79 sector filers · read for its customers

From the record

Pinnacle Financial Partners, Inc.'s standing among 79 graded names in its industry family: revenue of $2.8 billion in fiscal 2025 ranks in the top 24% by size; a net margin of 23% ranks in the top 47%; revenue growth of 9% a year over the last 2 filed years ranks in the bottom 12% (its annual reports).

What it rests on

  • revenue against the family$2.80Btop 24% of its family
  • net margin23.0%top 47% of its family
  • three-year revenue growth9.0%bottom 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
9.4/10

What are the people in charge doing?

SI estimate 9.4/10, confidence 35 of 100 (one part).

weight 22% of this tense · 94th percentile among 79 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 6% of 79 in its family; the record of its people begins on 2026-01-01 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 10 months and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2026-01-01 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 10 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 79 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Pinnacle Financial Partners, Inc.'s leadership is put at 9.4 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 6% of 79 in its family; the record of its people begins on 2026-01-01 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 10 months and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.1/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed
6.8/10

How much room does it have to grow?

top 32% of 71 in its family for room to expand.

weight 33% of this tense · 68th percentile among 71 sector filers · read for itself

From the record

Pinnacle Financial Partners, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $3.6 billion against no long-term debt tagged leaves 6.2% of its assets as net cash, top 22% of its family; cash from operations less capital spending is 24.3% of revenue (top 42%) (its annual report).

What it rests on

  • cash less debt against assets6.2%top 22% of its family
  • cash from operations less capital spending against revenue24.3%top 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
3.4/10

What could actually drive growth from here?

bottom 34% of 79 in its family for growth drivers.

weight 33% of this tense · 34th percentile among 79 sector filers · read for its customers

From the record

Pinnacle Financial Partners, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 9% a year over the last three filed years against 9% over all 3, speeding up (bottom 27% of its family); the newest year grew 3.6% (bottom 47%); capital spending grew 1.1% a year (bottom 29%) (its annual reports). Pinnacle Financial Partners, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.0 points a yearbottom 27% of its family
  • the newest year's revenue growth3.6%bottom 47% of its family
  • three-year growth of capital spending1.1%bottom 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate
5.2/10

Did its newest year beat what its own record pointed to?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 76 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 76 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 76 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Pinnacle Financial Partners, Inc.'s expectations vs reality is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 76 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PNFP · research, not advice