PNFPPinnacle Financial Partners, Inc.
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$5.2B net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear85% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear61% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|
| Net income | $544M | $482M | $792M | 64% |
| Operating cash flow | $1.3B | $821M | $676M | 18% |
| Capex | $32M | $56M | $33M | 41% |
| Stock-based comp | $32M | $32M | $34M | 6.5% |
| Buybacks | $0 | $272M | $142M | 48% |
| Dividends | $216M | $220M | $271M | 23% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $1M · 2
- Open-market sells, 12 mo
- $0 · 0
- Net
- $1M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $7M | $17M | 156 | 153 |
| FY2024 | $6M | $15M | 185 | 143 |
| FY2023 | $6M | $10M | 140 | 127 |
| FY2022 | $11M | $2M | 116 | 127 |
| FY2021 | $7M | $16M | 150 | 137 |