Pinnacle Financial Partners

Pinnacle Financial Partners FCF/Debt

The Free Cash Flow to Debt Ratio of Pinnacle Financial Partners (PNFP) as of Oct 30, 2026 is 26.38 %. In the previous year, Free Cash Flow to Debt Ratio was 122.72 % — a change of -78.50% (lower).

FCF/Debt

26.38 %

YoY

-78.50%

Last updated:

Free Cash Flow to Debt Ratio of Pinnacle Financial Partners is 2025 26.38 % . Free Cash Flow to Debt Ratio of Pinnacle Financial Partners was 2024 122.72 % . It decreases by -78.50% lower compared to the previous year.

The Pinnacle Financial Partners FCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

FCF/Debt
Date
FCF/Debt
Jan 1, 2018
75.77 USD
Jan 1, 2019
44.61 USD
Jan 1, 2020
48.39 USD
Jan 1, 2021
109.73 USD
Jan 1, 2022
87.05 USD
Jan 1, 2023
62.86 USD
Jan 1, 2024
122.72 USD
Jan 1, 2025
26.38 USD
The Pinnacle Financial Partners FCF/Debt history
YEARFCF/DebtYoY
26.38 %-78.50%
122.72 %+95.23%
62.86 %-27.79%
87.05 %-20.67%
109.73 %+126.79%
48.39 %+8.46%
44.61 %-41.12%
75.77 %+305.24%
18.70 %-39.73%
31.02 %-7.02%
33.36 %-28.92%
46.94 %—

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Pinnacle Financial Partners Stock analysis

What does Pinnacle Financial Partners do? Pinnacle Financial Partners, Inc. operates as a bank holding company providing financial services through its subsidiary Pinnacle Bank. The company serves urban markets in Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, offering personalized community bank services alongside products like investments and treasury management. Pinnacle Bank provides convenience-centered services including 24/7 telephone and internet banking, mobile banking, debit and credit cards, direct deposit, remote deposit, and cash management for small- to medium-sized businesses. The bank leverages a network of automated teller machines from other financial institutions for client access across Tennessee and other regions. Pinnacle Bank targets small- to medium-sized businesses and individual clients in its primary markets, delivering tailored financial solutions that combine community bank intimacy with broader product offerings. The company’s revenue streams come from traditional banking services such as loans, deposits, and fee-based products like card services and treasury management. Its operational model focuses on urban Tennessee markets, utilizing a branch network and digital platforms to serve clients seeking both local expertise and modern banking conveniences. The firm’s service portfolio includes round-the-clock digital banking tools, cash management solutions for businesses, and ATM access through partner networks. These offerings cater to clients who prioritize accessibility and personalized service without sacrificing the range of services typically associated with larger financial institutions. Pinnacle Financial Partners generates income through interest on loans, deposit services, and transaction fees from its suite of banking products and services. Pinnacle Financial Partners is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Pinnacle Financial Partners stock

Free Cash Flow to Debt Ratio of Pinnacle Financial Partners is 26.38 % in 2025.

Free Cash Flow to Debt Ratio of Pinnacle Financial Partners changed from 122.72 % to 26.38 %, representing a -78.50% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Free Cash Flow to Debt Ratio Pinnacle Financial Partners since 2006 – with annual values, charts, and detailed analysis.

FCF/Debt measures the percentage of total debt that could be repaid from free cash flow. It is a stricter measure than OCF/Debt as it accounts for capital expenditures.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Free Cash Flow to Debt Ratio's Pinnacle Financial Partners with sector peers and the industry average to assess whether it is attractive.

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Leverage — Pinnacle Financial Partners

All Key Metrics — Pinnacle Financial Partners