10-QBanking

Pinnacle Financial Partners, Inc.

PNFP · Period ending 2026-03-31 · Filed 2026-05-06

Valuation

Banking
Live · Yahoo Finance

Price

$99.81

52-Week Range

$81.08$99.81 now$107.14

Decision Context

Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.

Based on filing period ending Mar 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

PNFP vs

Macro Context

SWOT Analysis — PNFP

Inflationary Boom
Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

Strengths

  • EPS (Diluted): $8.07 (+35.4% YoY) — Earnings per share rose 35% — each share earned more.

  • Net Income: $641.9M (+35.1% YoY) — Profit grew 35% — the company kept more of each dollar earned.

  • Total Assets: $57.7B (+9.7% YoY) — Total assets grew 10% — the company's resource base expanded.

Weaknesses

  • Operating Cash Flow: $759.0M (-16.1% YoY) — Operating cash flow fell 16% but remained positive.

Opportunities

No clear opportunities identified at this time.

Threats

  • Total liabilities are 88% of total assets — the balance sheet is heavily leveraged with limited equity cushion.

Year-over-Year Changes

EPS (Diluted)

$8.07

was $5.96

+35.4%

Earnings per share rose 35% — each share earned more.

Net Income

$641.9M

was $475.1M

+35.1%

Profit grew 35% — the company kept more of each dollar earned.

Operating Cash Flow

$759.0M

was $904.3M

−16.1%

Operating cash flow fell 16% but remained positive.

Total Assets

$57.7B

was $52.6B

+9.7%

Total assets grew 10% — the company's resource base expanded.

Risk Flags

1 high · 0 medium · 0 low
  • High

    Total liabilities are 88% of total assets — the balance sheet is heavily leveraged with limited equity cushion.

Price History

Technical Signals

Daily closes · 1-year data

Latest News

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External Links

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Research Pinnacle Financial Partners, Inc.

Data sourced from SEC EDGAR, FRED (Federal Reserve Economic Data), and Yahoo Finance. For informational purposes only. Not financial advice.