Pinnacle Financial Partners, Inc.
Pinnacle Financial Partners, Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in Atlanta, GA. Its latest filed balance sheet (2025-12-31) shows total assets of $123 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.7 out of ten, 7 of 9 metrics filed and 2 estimated: past 5.8 out of ten, present 5.9 out of ten, future 5.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2025. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.5 out of ten. +9% a year over 3 filed years; profitable in 3 of 3. 65th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 3.1 out of ten. Share count grew 0.7% a year. 10% of cash flow returned. Insiders: 4 sales, 4 purchases. 31st percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.1 out of ten. ROE 9%: 9¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 51st percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 4.7 out of ten. bottom 47% of 79 in its family; net margin 23%. 47th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 9.3 out of ten. CrossAssetData estimate 9.3/10, confidence 35 of 100 (one part). 93rd percentile among 79 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
- Room to expand (future): 6.8 out of ten. top 32% of 71 in its family for room to expand. 68th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.4 out of ten. bottom 34% of 79 in its family for growth drivers. 34th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.2 out of ten. CrossAssetData estimate 5.2/10, confidence 20 of 100 (family median). 50th percentile among 76 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-03-02 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-04 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form 4, 2026-09-11. Filings on record since 2025. Read from EDGAR 2026-10-12.
Who runs it
Blair, Kevin S. (Chief Executive Officer); Gregory, Andrew J. Jr. (Chief Financial Officer); Bishop, Daniel Zachary (Chief Operating Officer); Mccabe, Robert A Jr (Chief Banking Officer); Creson, Shellie (Chief Risk Officer); Hurley, Jill K (Chief Accounting Officer); Upshaw, Jennifer Spinks (Chief Administrative Officer); Kamensky, Allan E (Chief Legal Officer); Sanders, Dana M. (Chief Audit Executive); Sumerlin, Charissa D (Chief Credit Officer); and 13 more. 23 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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