PNFP

Pinnacle Financial Partners, Inc.

Ticker: PNFPFinancialsCommercial Banks
HQ ATLANTA, GACIK 2082866FY end 12-31Book / share $90.67Shares 78M
Revenue (FY)
$2.05B
Op. margin
37.95%
Net income
$641.87M
Operating cash
$759.01M
Free cash flow
$679.08M
Return on equity
9.11%
Debt / equity
4.54
Shares outstanding
77.7M

The business

Pinnacle Financial Partners, Inc. (NASDAQ: PNFP, now trading on NYSE following its January 2026 merger with Synovus) operates as a financial holding company headquartered in Nashville, Tennessee, with approximately $57.7 billion in total assets as of December 31, 2025. The company's website is www.pnfp.com.

The firm provides a comprehensive range of banking, investment, trust, mortgage, and insurance products and services designed for businesses, their owners, and individuals seeking sophisticated financial solutions. Pinnacle Bank, the company's wholly-owned subsidiary, operates 141 branch offices across the Southeast, including locations in Tennessee, North Carolina, South Carolina, Virginia, Georgia, Alabama, Kentucky, Maryland, and Florida. The bank holds the number one deposit market position in the Nashville-Murfreesboro-Franklin Metropolitan Statistical Area.

Pinnacle's core business encompasses commercial and consumer lending, deposit services, treasury management, investment advisory services, and insurance products. The company offers equipment financing through its JB&B Capital subsidiary, case expense financing for law firms through Advocate Capital, and merger and acquisition advisory services through PNFP Capital Markets. Pinnacle Bank also maintains a 49 percent ownership interest in Bankers Healthcare Group, which provides financial solutions to healthcare practitioners and other professionals.

The company distinguishes itself through a community banking model that combines personalized service with sophisticated products typically found at larger institutions. Pinnacle operates across primarily urban markets throughout the Southeast, competing with national, regional, and internet banks while emphasizing local decision-making and relationship banking.

As of December 31, 2025, Pinnacle employed 3,709 full-time equivalent team members. The company has received numerous workplace recognition awards, including ranking as the number nine employer on FORTUNE magazine's 2025 list of 100 Best Companies to Work For, marking its ninth consecutive appearance on that list. The company was founded in October 2000 and has grown through a combination of strategic acquisitions and organic expansion. On January 1, 2026, Pinnacle completed its merger with Synovus Financial Corp., creating a combined entity that began trading on the New York Stock Exchange.

Sector
Financials
Industry
Commercial Banks
HQ
ATLANTA, GA
FY end
12-31
CIK
2082866
SIC
6021
Financial performance · annual
20252025
$-205.49M$410.97M$1.03B$1.64B$2.26B2025

Ownership

Who holds Pinnacle Financial Partners, Inc. — across funds, superinvestors and bonds · N-PORT 2026Q2 · 13F 2026-06-30

440
funds hold it
0 of 35
superinvestors hold it
$5.92B
fund-held value
39.2%
of shares held by funds
2
bond issues held by funds

Top fund holders

Fund% of fundValue
iShares Core S&P Mid-Cap ETF
IJH · iShares Trust
0.42%$519.24M
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.02%$459.82M
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.18%$331.97M
T. Rowe Price Small-Cap Value Fund, Inc.
PRSVX · T. ROWE PRICE SMALL-CAP VALUE FUND, INC.
2.18%$230.51M
Strategic Advisers Fidelity U.S. Total Stock Fund
FCTDX · Fidelity Rutland Square Trust II
0.07%$186.91M

Bonds held by funds

Funds report holding 2 issues of Pinnacle Financial Partners, Inc.'s debt, $278.90M at fund-held market value — what funds hold, not the company's debt outstanding. Weighted-average coupon 5.63%, maturing 20282036.

IssueCouponMaturesFundsFund-held
SYNOVUS BANK COLUMBUS GA5.625%2028-02-1566$142.14M
PINNACLE BANK5.957%Variable2036-01-1571$136.76M

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

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