Pinnacle Financial Partners, Inc. (PNFP) — Cash Flow Quality Index
Pinnacle Financial Partners, Inc. (PNFP) has a Cash Flow Quality Index of 2.33x as of September 2025. Operating cash flow of $403.25 Million exceeds net income of $173.14 Million, indicating high earnings quality where cash backs reported profits. Explore debt repayment capacity of Pinnacle Financial Partners, Inc. to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pinnacle Financial Partners, Inc. Cash Flow Quality Index (2002–2024)
Historical Cash Flow Quality Index for Pinnacle Financial Partners, Inc. across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Pinnacle Financial Partners, Inc. cash flow conversion.
Annual Cash Flow Quality Index for Pinnacle Financial Partners, Inc. (2002–2024)
Year-by-year earnings quality comparison for Pinnacle Financial Partners, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.90x | $904.31 Million | $475.06 Million | ▲ +123.7% |
| 2023 | 0.85x | $478.40 Million | $562.15 Million | ▼ -21.1% |
| 2022 | 1.08x | $604.92 Million | $560.74 Million | ▼ -13.5% |
| 2021 | 1.25x | $657.44 Million | $527.32 Million | ▼ -9.0% |
| 2020 | 1.37x | $427.82 Million | $312.32 Million | ▲ +26.4% |
| 2019 | 1.08x | $434.29 Million | $400.88 Million | ▼ -17.3% |
| 2018 | 1.31x | $470.76 Million | $359.44 Million | ▲ +37.4% |
| 2017 | 0.95x | $165.86 Million | $173.98 Million | ▼ -20.4% |
| 2016 | 1.20x | $152.32 Million | $127.22 Million | ▲ +35.2% |
| 2015 | 0.89x | $84.60 Million | $95.51 Million | ▼ -34.3% |
| 2014 | 1.35x | $95.06 Million | $70.47 Million | ▼ -38.4% |
| 2013 | 2.19x | $126.44 Million | $57.73 Million | ▼ -19.7% |
| 2012 | 2.73x | $114.28 Million | $41.88 Million | ▲ +5.5% |
| 2011 | 2.59x | $113.09 Million | $43.74 Million | ▲ +137.4% |
| 2008 | 1.09x | $33.63 Million | $30.87 Million | ▲ +53.1% |
| 2007 | 0.71x | $16.39 Million | $23.04 Million | ▲ +7.1% |
| 2006 | 0.66x | $11.91 Million | $17.93 Million | ▼ -34.5% |
| 2005 | 1.01x | $8.17 Million | $8.06 Million | ▼ -20.0% |
| 2004 | 1.27x | $6.74 Million | $5.32 Million | ▼ -30.1% |
| 2003 | 1.81x | $4.63 Million | $2.55 Million | ▼ -65.4% |
| 2002 | 5.24x | $3.39 Million | $648.06K | — |