Pinnacle Financial Partners Net Income
| PNFP Stock | USD 95.12 2.69 2.75% |
As of the 13th of February 2026, Pinnacle Financial holds the Coefficient Of Variation of 1077.44, semi deviation of 1.57, and Risk Adjusted Performance of 0.0808. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pinnacle Financial, as well as the relationship between them.
Pinnacle Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 9.797 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 546.3 M | 573.6 M | |
| Net Income Applicable To Common Shares | 627.4 M | 658.8 M | |
| Net Income From Continuing Ops | 546.3 M | 302.6 M | |
| Net Income Per Share | 8.35 | 8.76 | |
| Net Income Per E B T | 0.82 | 0.62 |
Pinnacle | Net Income | Build AI portfolio with Pinnacle Stock |
Evaluating Pinnacle Financial's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Pinnacle Financial Partners's fundamental strength.
Latest Pinnacle Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Pinnacle Financial Partners over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Pinnacle Financial financial statement analysis. It represents the amount of money remaining after all of Pinnacle Financial Partners operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Pinnacle Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Pinnacle Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 475.06 M | 10 Years Trend |
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Net Income |
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Pinnacle Net Income Regression Statistics
| Arithmetic Mean | 301,322,680 | |
| Coefficient Of Variation | 79.25 | |
| Mean Deviation | 212,035,956 | |
| Median | 312,321,000 | |
| Standard Deviation | 238,812,049 | |
| Sample Variance | 57031.2T | |
| Range | 676.5M | |
| R-Value | 0.96 | |
| Mean Square Error | 4456.2T | |
| R-Squared | 0.93 | |
| Slope | 45,526,783 | |
| Total Sum of Squares | 912499.1T |
Pinnacle Net Income History
Other Fundumenentals of Pinnacle Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Pinnacle Financial Net Income component correlations
Pinnacle Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Pinnacle Financial is extremely important. It helps to project a fair market value of Pinnacle Stock properly, considering its historical fundamentals such as Net Income. Since Pinnacle Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Pinnacle Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Pinnacle Financial's interrelated accounts and indicators.
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Can Regional Banks industry sustain growth momentum? Does Pinnacle have expansion opportunities? Factors like these will boost the valuation of Pinnacle Financial. Anticipated expansion of Pinnacle directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Pinnacle Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.12 | Dividend Share 0.96 | Earnings Share 7.84 | Revenue Per Share | Quarterly Revenue Growth 0.14 |
Investors evaluate Pinnacle Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Pinnacle Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. External factors like market trends, sector rotation, and investor psychology can cause Pinnacle Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Pinnacle Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pinnacle Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Pinnacle Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Pinnacle Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Pinnacle Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Pinnacle Financial.
| 11/15/2025 |
| 02/13/2026 |
If you would invest 0.00 in Pinnacle Financial on November 15, 2025 and sell it all today you would earn a total of 0.00 from holding Pinnacle Financial Partners or generate 0.0% return on investment in Pinnacle Financial over 90 days. Pinnacle Financial is related to or competes with BOK Financial, Prosperity Bancshares, Valley National, Commerce Bancshares, Columbia Banking, FNB Corp, and Popular. Pinnacle Financial Partners, Inc., together with its subsidiaries, operates as the bank holding company for Pinnacle Ban... More
Pinnacle Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Pinnacle Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Pinnacle Financial Partners upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.78 | |||
| Information Ratio | 0.0475 | |||
| Maximum Drawdown | 8.66 | |||
| Value At Risk | (2.64) | |||
| Potential Upside | 3.19 |
Pinnacle Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Pinnacle Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Pinnacle Financial's standard deviation. In reality, there are many statistical measures that can use Pinnacle Financial historical prices to predict the future Pinnacle Financial's volatility.| Risk Adjusted Performance | 0.0808 | |||
| Jensen Alpha | 0.0778 | |||
| Total Risk Alpha | 2.0E-4 | |||
| Sortino Ratio | 0.0476 | |||
| Treynor Ratio | 0.1417 |
Pinnacle Financial February 13, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0808 | |||
| Market Risk Adjusted Performance | 0.1517 | |||
| Mean Deviation | 1.38 | |||
| Semi Deviation | 1.57 | |||
| Downside Deviation | 1.78 | |||
| Coefficient Of Variation | 1077.44 | |||
| Standard Deviation | 1.78 | |||
| Variance | 3.17 | |||
| Information Ratio | 0.0475 | |||
| Jensen Alpha | 0.0778 | |||
| Total Risk Alpha | 2.0E-4 | |||
| Sortino Ratio | 0.0476 | |||
| Treynor Ratio | 0.1417 | |||
| Maximum Drawdown | 8.66 | |||
| Value At Risk | (2.64) | |||
| Potential Upside | 3.19 | |||
| Downside Variance | 3.16 | |||
| Semi Variance | 2.45 | |||
| Expected Short fall | (1.45) | |||
| Skewness | (0.21) | |||
| Kurtosis | 0.7785 |
Pinnacle Financial Backtested Returns
Pinnacle Financial appears to be very steady, given 3 months investment horizon. Pinnacle Financial maintains Sharpe Ratio (i.e., Efficiency) of 0.13, which implies the firm had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Pinnacle Financial, which you can use to evaluate the volatility of the company. Please evaluate Pinnacle Financial's Semi Deviation of 1.57, coefficient of variation of 1077.44, and Risk Adjusted Performance of 0.0808 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Pinnacle Financial holds a performance score of 10. The company holds a Beta of 1.1, which implies a somewhat significant risk relative to the market. Pinnacle Financial returns are very sensitive to returns on the market. As the market goes up or down, Pinnacle Financial is expected to follow. Please check Pinnacle Financial's maximum drawdown, as well as the relationship between the expected short fall and rate of daily change , to make a quick decision on whether Pinnacle Financial's historical price patterns will revert.
Auto-correlation | 0.35 |
Below average predictability
Pinnacle Financial Partners has below average predictability. Overlapping area represents the amount of predictability between Pinnacle Financial time series from 15th of November 2025 to 30th of December 2025 and 30th of December 2025 to 13th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Pinnacle Financial price movement. The serial correlation of 0.35 indicates that nearly 35.0% of current Pinnacle Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.35 | |
| Spearman Rank Test | 0.27 | |
| Residual Average | 0.0 | |
| Price Variance | 5.46 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Pinnacle Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Pinnacle Financial Partners reported net income of 475.06 M. This is 62.81% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 16.8% higher than that of the company.
Pinnacle Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Pinnacle Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Pinnacle Financial could also be used in its relative valuation, which is a method of valuing Pinnacle Financial by comparing valuation metrics of similar companies.Pinnacle Financial is currently under evaluation in net income category among its peers.
Pinnacle Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Pinnacle Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Pinnacle Financial's managers, analysts, and investors.Environmental | Governance | Social |
Pinnacle Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Pinnacle Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Pinnacle Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Pinnacle Financial's value.| Shares | Capital Research Global Investors | 2025-06-30 | 1.1 M | Fenimore Asset Management Inc | 2025-06-30 | 1.1 M | Norges Bank | 2025-06-30 | 1 M | Manufacturers Life Insurance Co | 2025-06-30 | 1 M | Bloombergsan Investment Partners | 2025-06-30 | 872.1 K | Charles Schwab Investment Management Inc | 2025-06-30 | 866.7 K | Millennium Management Llc | 2025-06-30 | 865.2 K | Principal Financial Group Inc | 2025-06-30 | 791.2 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 761.7 K | Vanguard Group Inc | 2025-06-30 | 7.5 M | Blackrock Inc | 2025-06-30 | 7 M |
Pinnacle Fundamentals
| Return On Equity | 0.0953 | ||||
| Return On Asset | 0.0116 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.44 % | ||||
| Current Valuation | 6.7 B | ||||
| Shares Outstanding | 150.27 M | ||||
| Shares Owned By Insiders | 1.38 % | ||||
| Shares Owned By Institutions | 45.04 % | ||||
| Number Of Shares Shorted | 5.59 M | ||||
| Price To Earning | 15.95 X | ||||
| Price To Book | 2.21 X | ||||
| Price To Sales | 7.55 X | ||||
| Revenue | 2.92 B | ||||
| Gross Profit | 1.95 B | ||||
| EBITDA | 837.81 M | ||||
| Net Income | 475.06 M | ||||
| Cash And Equivalents | 2.31 B | ||||
| Cash Per Share | 30.54 X | ||||
| Total Debt | 2.52 B | ||||
| Debt To Equity | 6.54 % | ||||
| Book Value Per Share | 88.65 X | ||||
| Cash Flow From Operations | 904.31 M | ||||
| Short Ratio | 1.88 X | ||||
| Earnings Per Share | 7.84 X | ||||
| Price To Earnings To Growth | 0.60 X | ||||
| Target Price | 116.17 | ||||
| Number Of Employees | 3.71 K | ||||
| Beta | 1.01 | ||||
| Market Capitalization | 14.7 B | ||||
| Total Asset | 57.71 B | ||||
| Retained Earnings | 3.73 B | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 1.03 % | ||||
| Net Asset | 57.71 B | ||||
| Last Dividend Paid | 0.96 |
About Pinnacle Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Pinnacle Financial Partners's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Pinnacle Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Pinnacle Financial Partners based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Pinnacle Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Pinnacle Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Pinnacle Financial will appreciate offsetting losses from the drop in the long position's value.Moving together with Pinnacle Stock
Moving against Pinnacle Stock
The ability to find closely correlated positions to Pinnacle Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Pinnacle Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Pinnacle Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Pinnacle Financial Partners to buy it.
The correlation of Pinnacle Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Pinnacle Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Pinnacle Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Pinnacle Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Additional Tools for Pinnacle Stock Analysis
When running Pinnacle Financial's price analysis, check to measure Pinnacle Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pinnacle Financial is operating at the current time. Most of Pinnacle Financial's value examination focuses on studying past and present price action to predict the probability of Pinnacle Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pinnacle Financial's price. Additionally, you may evaluate how the addition of Pinnacle Financial to your portfolios can decrease your overall portfolio volatility.