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Pinnacle Financial Partners (PNFP)
NYSE:PNFP
US Market
PNFP
Pinnacle Financial Partners
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Pinnacle Financial Partners (PNFP) Ratios

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Pinnacle Financial Partners Ratios

PNFP's free cash flow for Q1 2026 was $0.68. For the 2026 fiscal year, PNFP's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.90 1.07 0.21 0.17 0.14
Quick Ratio
 0.90 1.07 0.21 0.17 0.14
Cash Ratio
 0.06 0.07 0.08 0.06 0.03
Solvency Ratio
 <0.01 0.01 0.01 0.02 0.02
Operating Cash Flow Ratio
 0.02 0.02 0.02 0.01 0.02
Short-Term Operating Cash Flow Coverage
 5.54 2.40 3.93 2.28 3.10
Net Current Asset Value
$ -17.75B$ 1.09B$ -37.02B$ -35.25B$ -31.58B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.04 0.05 0.06 0.03
Debt-to-Equity Ratio
 0.41 0.36 0.39 0.46 0.20
Debt-to-Capital Ratio
 0.29 0.26 0.28 0.31 0.16
Long-Term Debt-to-Capital Ratio
 0.28 0.24 0.26 0.30 0.14
Financial Leverage Ratio
 8.41 8.19 8.18 7.95 7.60
Debt Service Coverage Ratio
 0.40 0.45 0.37 0.49 1.42
Interest Coverage Ratio
 0.52 0.63 0.44 0.65 2.85
Debt to Market Cap
 0.81 0.34 0.29 0.42 0.19
Interest Debt Per Share
 98.45 48.99 50.52 50.83 17.54
Net Debt to EBITDA
 0.15 -1.25 -1.19 0.79 -0.08
Profitability Margins
Gross Profit Margin
68.66%65.91%49.08%52.12%79.83%
EBIT Margin
19.92%26.69%20.37%28.85%45.02%
EBITDA Margin
21.88%28.67%23.82%32.03%49.04%
Operating Profit Margin
19.92%26.69%20.37%28.85%45.02%
Pretax Profit Margin
19.92%26.69%20.37%28.85%45.02%
Net Profit Margin
16.25%21.97%16.65%22.72%36.19%
Continuous Operations Profit Margin
16.25%21.97%16.65%22.72%36.19%
Net Income Per EBT
81.62%82.33%81.74%78.73%80.39%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.53%1.11%0.90%1.17%1.34%
Return on Equity (ROE)
7.42%9.12%7.39%9.31%10.16%
Return on Capital Employed (ROCE)
3.57%8.43%6.14%7.81%10.27%
Return on Invested Capital (ROIC)
2.88%6.71%4.90%6.01%8.02%
Return on Tangible Assets
0.55%1.15%0.94%1.22%1.40%
Earnings Yield
8.67%8.75%5.43%8.48%10.09%
Efficiency Ratios
Receivables Turnover
 0.05 0.08 13.33 11.38 9.61
Payables Turnover
 0.00 2.62 26.13 17.69 16.05
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.42 8.60 9.17 9.63 4.73
Asset Turnover
 0.03 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -1.20 -0.19 -0.09 -0.08 -0.06
Cash Conversion Cycle
 7.67K 4.72K 13.41 11.45 15.23
Days of Sales Outstanding
 7.67K 4.86K 27.38 32.08 37.97
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 139.11 13.97 20.63 22.75
Operating Cycle
 7.67K 4.86K 27.38 32.08 37.97
Cash Flow Ratios
Operating Cash Flow Per Share
 22.19 9.87 11.83 6.29 7.99
Free Cash Flow Per Share
 21.92 8.65 10.56 5.26 7.14
CapEx Per Share
 0.26 1.22 1.27 1.03 0.85
Free Cash Flow to Operating Cash Flow
 0.99 0.88 0.89 0.84 0.89
Dividend Paid and CapEx Coverage Ratio
 9.62 4.13 4.99 2.95 4.09
Capital Expenditure Coverage Ratio
 84.44 8.09 9.32 6.11 9.40
Operating Cash Flow Coverage Ratio
 0.28 0.30 0.36 0.17 0.56
Operating Cash Flow to Sales Ratio
 0.43 0.26 0.32 0.19 0.39
Free Cash Flow Yield
22.45%9.06%9.23%6.04%9.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.54 11.43 18.41 11.79 9.91
Price-to-Sales (P/S) Ratio
 1.87 2.51 3.06 2.68 3.59
Price-to-Book (P/B) Ratio
 0.52 1.04 1.36 1.10 1.01
Price-to-Free Cash Flow (P/FCF) Ratio
 4.45 11.03 10.83 16.57 10.28
Price-to-Operating Cash Flow Ratio
 4.41 9.67 9.67 13.86 9.19
Price-to-Earnings Growth (PEG) Ratio
 0.38 0.32 -1.11 0.00 1.64
Price-to-Fair Value
 0.52 1.04 1.36 1.10 1.01
Enterprise Value Multiple
 8.71 7.52 11.67 9.16 7.23
Enterprise Value
 7.64B 6.30B 7.93B 7.26B 5.50B
EV to EBITDA
 8.71 7.52 11.67 9.16 7.23
EV to Sales
 1.91 2.15 2.78 2.93 3.55
EV to Free Cash Flow
 4.53 9.47 9.83 18.14 10.17
EV to Operating Cash Flow
 4.48 8.30 8.77 15.17 9.09
Tangible Book Value Per Share
 130.31 67.14 59.65 54.74 48.03
Shareholders’ Equity Per Share
 189.71 91.56 84.12 79.40 72.88
Tax and Other Ratios
Effective Tax Rate
 0.18 0.18 0.18 0.21 0.20
Revenue Per Share
 52.12 37.99 37.32 32.55 20.46
Net Income Per Share
 8.47 8.35 6.21 7.40 7.40
Tax Burden
 0.82 0.82 0.82 0.79 0.80
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.34 0.32 0.24 0.23 0.35
Stock-Based Compensation to Revenue
 0.03 0.01 0.01 0.02 0.03
Income Quality
 2.62 1.18 1.90 0.85 1.08
Currency in USD