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Pinnacle Financial Partners PNFP
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Quarterly report 2025-Q3
added 05-16-2026

Pinnacle Financial Partners Balance Sheet 2024-2008 | PNFP

Brief overview of Pinnacle Financial Partners's financial position

The balance sheet is assessed across five available annual reports spanning 2020 to 2024.

Total assets increased by +50.5%, from $34.9 billion to $52.6 billion. A CAGR near 10.8% points to substantial expansion.

Asset and liability trends were close, at +50.5% and +53.7%. Expansion did not materially reshape funding sources.

Banks and insurers cannot be assessed like industrial businesses on liabilities alone. Here, equity represents 12.2% of assets, previously 14%.

Retained earnings are $3.2 billion versus $1.4 billion initially. The direction shows how results contributed to equity.

Balance sheet takeaway

Pinnacle Financial Partners's balance sheet sends more positive than negative signals, but liabilities should not begin outpacing the capital base.

Annual Balance Sheet Pinnacle Financial Partners

2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008

Net Debt

- - - - - 5.98 B 4.36 B 3.63 B 1.87 B 1.08 B 841 M 678 M 725 M 152 M - - -

Long Term Debt

- - - - - 2.81 B 1.93 B 1.79 B 757 M 443 M 292 M 189 M 182 M 324 M - - -

Total Non Current Liabilities

- - - - - 749 M 485 M 466 M 351 M 142 M 96 M 99 M 106 M 97 M - - -

Total Liabilities

46.2 B 41.9 B 36.5 B 33.2 B 30 B 23.4 B 21.1 B 18.5 B 9.7 B 7.56 B 5.22 B 4.84 B 4.36 B 4.15 B 4.23 B - -

Retained Earnings

3.18 B 2.78 B 2.34 B 1.86 B 1.41 B 1.18 B 833 M 519 M 381 M 279 M 201 M 142 M 87.4 M 49.8 M 13 M - -

Total Assets

52.6 B 48 B 42 B 38.5 B 34.9 B 27.8 B 25 B 22.2 B 11.2 B 8.72 B 6.02 B 5.56 B 5.04 B 4.86 B 4.91 B - -

Cash and Cash Equivalents

3.44 B 2.23 B 1.18 B 4.1 B 3.96 B 527 M 722 M - - - - 21.1 M 13.7 M - - - -

Book Value

6.43 B 6.04 B 5.52 B 5.31 B 4.9 B 4.36 B 3.97 B 3.71 B 1.5 B 1.16 B 803 M 724 M 679 M 710 M 677 M - -

Total Shareholders Equity

6.43 B 6.04 B 5.52 B 5.31 B 4.9 B 4.36 B 3.97 B 3.71 B 1.5 B 1.16 B 803 M 724 M 679 M 710 M 677 M 701 M 627 M

All numbers in USD currency

Quarterly Balance Sheet Pinnacle Financial Partners

2025-Q3 2025-Q2 2025-Q1 2024-Q4 2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

Total Liabilities

49.1 B 48.2 B 47.7 B 46.2 B 44.4 B 43.2 B - 41.9 B 41.7 B 41 B 39.4 B 36.5 B 35.7 B - 34.1 B 33.2 B 31.3 B 30.3 B 30.3 B 30 B 30 B 30 B 30 B 23.4 B 23.4 B 23.4 B 23.4 B 21.1 B 21.1 B 21.1 B 21.1 B 18.5 B 18.5 B 18.5 B 18.5 B 9.7 B 9.7 B 9.7 B 9.7 B 7.56 B 7.56 B 7.56 B 7.56 B 5.22 B 5.22 B 5.22 B 5.22 B 4.84 B 4.84 B 4.84 B 4.84 B 4.36 B 4.36 B 4.36 B 4.36 B 4.15 B 4.15 B 4.15 B 4.15 B

Retained Earnings

3.58 B 3.43 B 3.29 B 3.18 B 3.05 B 2.92 B - 2.78 B 2.75 B 2.63 B 2.46 B 2.34 B 2.22 B - 1.97 B 1.86 B 1.75 B 1.63 B 1.52 B 1.41 B 1.41 B 1.41 B 1.41 B 1.18 B 1.18 B 1.18 B 1.18 B 833 M 833 M 833 M 833 M 519 M 519 M 519 M 519 M 381 M 381 M 381 M 381 M 279 M 279 M 279 M 279 M 201 M 201 M 201 M 201 M 142 M 142 M 142 M 142 M 87.4 M 87.4 M 87.4 M 87.4 M 49.8 M 49.8 M 49.8 M 49.8 M

Total Assets

56 B 54.8 B 54.3 B 52.6 B 50.7 B 49.4 B - 48 B 47.5 B 46.9 B 45.1 B 42 B 41 B - 39.4 B 38.5 B 36.5 B 35.4 B 35.3 B 34.9 B 34.9 B 34.9 B 34.9 B 27.8 B 27.8 B 27.8 B 27.8 B 25 B 25 B 25 B 25 B 22.2 B 22.2 B 22.2 B 22.2 B 11.2 B 11.2 B 11.2 B 11.2 B 8.71 B 8.71 B 8.71 B 8.71 B 6.02 B 6.02 B 6.02 B 6.02 B 5.56 B 5.56 B 5.56 B 5.56 B 5.04 B 5.04 B 5.04 B 5.04 B 4.86 B 4.86 B 4.86 B 4.86 B

Cash and Cash Equivalents

3.27 B 2.99 B 3.88 B 3.44 B 2.83 B 2.38 B 2.71 B 2.23 B 3.15 B 3.83 B 2.82 B 1.18 B 1.8 B 1.63 B 3.32 B 4.1 B 3.47 B - 3.19 B 3.96 B - - - 527 M - - - 722 M - - - 780 M - - - - - - - - - - - 36.5 M - - - 21.1 M - - - 13.7 M - - - 36.5 M - - -

Book Value

6.86 B 6.64 B 6.54 B 6.43 B 6.34 B 6.17 B - 6.04 B 5.84 B 5.84 B 5.68 B 5.52 B 5.34 B - 5.28 B 5.31 B 5.19 B 5.1 B 4.96 B 4.9 B 4.9 B 4.9 B 4.9 B 4.36 B 4.36 B 4.36 B 4.36 B 3.97 B 3.97 B 3.97 B 3.97 B 3.71 B 3.71 B 3.71 B 3.71 B 1.5 B 1.5 B 1.5 B 1.5 B 1.16 B 1.16 B 1.16 B 1.16 B 803 M 803 M 803 M 803 M 724 M 724 M 724 M 724 M 679 M 679 M 679 M 679 M 710 M 710 M 710 M 710 M

Total Shareholders Equity

6.86 B 6.64 B 6.54 B 6.43 B 6.34 B 6.17 B 6.1 B 6.04 B 5.84 B 5.84 B 5.68 B 5.52 B 5.34 B 5.32 B 5.28 B 5.31 B 5.19 B 5.1 B 4.96 B 4.9 B 4.9 B 4.9 B 4.9 B 4.36 B 4.36 B 4.36 B 4.36 B 3.97 B 3.97 B 3.97 B 3.97 B 3.71 B 3.71 B 3.71 B 3.71 B 1.5 B 1.5 B 1.5 B 1.5 B 1.16 B 1.16 B 1.16 B 1.16 B 803 M 803 M 803 M 803 M 724 M 724 M 724 M 724 M 679 M 679 M 679 M 679 M 710 M 710 M 710 M 710 M

All numbers in USD currency

Balance Sheet is a fundamental financial report of Pinnacle Financial Partners, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.

For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.

Features of balance sheet analysis
  • Vertical and horizontal analysis
    Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods.
  • Asset quality
    It is important to evaluate not only the amount of assets but also their liquidity and realizability.
  • Accounting for off-balance sheet liabilities
    Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.

Balance sheet of other industry stocks – Banks regional

Issuer Price % 24h Market Cap Country
Old Second Bancorp Old Second Bancorp
OSBC
$ 24.88 0.12 % $ 1.22 B usaUSA
Banc of California Banc of California
BANC
$ 17.18 0.09 % $ 2.75 B usaUSA
BancFirst Corporation BancFirst Corporation
BANF
$ 109.03 0.81 % $ 3.63 B usaUSA
Ohio Valley Banc Corp. Ohio Valley Banc Corp.
OVBC
$ 45.99 0.23 % $ 217 M usaUSA
First Business Financial Services First Business Financial Services
FBIZ
$ 70.52 0.63 % $ 575 M usaUSA
FB Financial Corporation FB Financial Corporation
FBK
$ 51.54 0.13 % $ 2.56 B usaUSA
Professional Holding Corp. Professional Holding Corp.
PFHD
- -0.52 % $ 404 M usaUSA
First Citizens BancShares First Citizens BancShares
FCNCA
$ 2 123.74 1.27 % $ 27.6 B usaUSA
First Financial Bancorp. First Financial Bancorp.
FFBC
$ 31.48 0.22 % $ 3 B usaUSA
Bank OZK Bank OZK
OZK
$ 46.12 0.61 % $ 5.96 B usaUSA
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
$ 12.78 0.54 % $ 7.83 B argentinaArgentina
Banco Bradesco S.A. Banco Bradesco S.A.
BBDO
$ 3.55 0.14 % $ 214 B brasilBrasil
Pioneer Bancorp Pioneer Bancorp
PBFS
$ 17.58 0.11 % $ 430 M usaUSA
Business First Bancshares Business First Bancshares
BFST
$ 31.31 0.58 % $ 920 M usaUSA
PDL Community Bancorp PDL Community Bancorp
PDLB
$ 20.13 0.15 % $ 458 M usaUSA
Peoples Financial Services Corp. Peoples Financial Services Corp.
PFIS
$ 68.3 0.37 % $ 683 M usaUSA
Provident Financial Services Provident Financial Services
PFS
$ 22.23 0.14 % $ 2.9 B usaUSA
Peapack-Gladstone Financial Corporation Peapack-Gladstone Financial Corporation
PGC
$ 43.38 0.53 % $ 764 M usaUSA
Plumas Bancorp Plumas Bancorp
PLBC
$ 62.11 0.1 % $ 400 M usaUSA
Bankwell Financial Group Bankwell Financial Group
BWFG
$ 65.54 0.57 % $ 508 M usaUSA
Patriot National Bancorp Patriot National Bancorp
PNBK
$ 0.83 0.09 % $ 63.8 M usaUSA
Carter Bankshares Carter Bankshares
CARE
$ 30.21 0.33 % $ 678 M usaUSA
Provident Financial Holdings Provident Financial Holdings
PROV
$ 18.15 0.22 % $ 116 M usaUSA
Capital City Bank Group Capital City Bank Group
CCBG
$ 49.08 0.41 % $ 837 M usaUSA
CF Bankshares CF Bankshares
CFBK
$ 33.5 0.18 % $ 211 M usaUSA
Banco Macro S.A. Banco Macro S.A.
BMA
$ 64.04 1.9 % $ 40.9 B argentinaArgentina
First Bank First Bank
FRBA
$ 17.8 0.39 % $ 354 M usaUSA
Renasant Corporation Renasant Corporation
RNST
$ 39.91 0.35 % $ 3.47 B usaUSA
SB Financial Group SB Financial Group
SBFG
$ 29.53 0.65 % $ 188 M usaUSA
Huntington Bancshares Incorporated Huntington Bancshares Incorporated
HBAN
$ 15.27 0.07 % $ 22.6 B usaUSA
Southside Bancshares Southside Bancshares
SBSI
$ 30.66 0.52 % $ 924 M usaUSA
Sound Financial Bancorp Sound Financial Bancorp
SFBC
$ 43.17 0.74 % $ 110 M usaUSA
Simmons First National Corporation Simmons First National Corporation
SFNC
$ 22.07 0.4 % $ 2.96 B usaUSA
Southern First Bancshares Southern First Bancshares
SFST
$ 59.81 0.03 % $ 484 M usaUSA
Shore Bancshares Shore Bancshares
SHBI
$ 22.55 0.04 % $ 753 M usaUSA
Southern Missouri Bancorp Southern Missouri Bancorp
SMBC
$ 70.18 0.41 % $ 779 M usaUSA
Customers Bancorp Customers Bancorp
CUBI
$ 74.78 0.58 % $ 2.42 B usaUSA
S&T Bancorp S&T Bancorp
STBA
$ 48.84 0.64 % $ 1.87 B usaUSA
Grupo Supervielle S.A. Grupo Supervielle S.A.
SUPV
$ 7.22 0.14 % $ 3.17 B -
Stock Yards Bancorp Stock Yards Bancorp
SYBT
$ 76.69 0.06 % $ 2.25 B usaUSA
The Bancorp The Bancorp
TBBK
$ 49.6 1.22 % $ 2.27 B usaUSA
TriCo Bancshares TriCo Bancshares
TCBK
$ 52.04 0.29 % $ 1.7 B usaUSA
FS Bancorp FS Bancorp
FSBW
$ 44.85 0.49 % $ 338 M usaUSA
Truist Financial Corporation Truist Financial Corporation
TFC
$ 47.07 1.08 % $ 60.6 B usaUSA
First Financial Corporation First Financial Corporation
THFF
$ 74.15 0.57 % $ 879 M usaUSA
Hilltop Holdings Hilltop Holdings
HTH
$ 36.85 0.22 % $ 2.31 B usaUSA
First United Corporation First United Corporation
FUNC
$ 44.24 0.73 % $ 287 M usaUSA
Timberland Bancorp Timberland Bancorp
TSBK
$ 45.54 0.35 % $ 361 M usaUSA
Farmers & Merchants Bancorp Farmers & Merchants Bancorp
FMAO
$ 35.32 0.57 % $ 486 M usaUSA
Guaranty Bancshares Guaranty Bancshares
GNTY
- - $ 570 M usaUSA