PNFPPC.PFD (Pinnacle Financial Partners) OCF Margin %: 78.08% (As of Mar. 2026) — 75% Above Median


PNFPPC.PFD Pinnacle Financial Partners Inc PNFPPC.PFD
68 GF Score
Price $24.53
! 2 Warning Signs
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What is Pinnacle Financial Partners OCF Margin %?

Pinnacle Financial Partners PNFPPC.PFD -0.10% 68 OCF Margin % is 78.08% as of Mar. 2026, which is 75% above its 10-year median of 44.53. GuruFocus rates PNFPPC.PFD with a GF Score™ of 68/100. The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Pinnacle Financial Partners ranks better than 78.74% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Pinnacle Financial Partners's Cash Flow from Operations for the three months ended in Mar. 2026 was $926.00 Mil. Pinnacle Financial Partners's Revenue for the three months ended in Mar. 2026 was $1,186.00 Mil. Therefore, Pinnacle Financial Partners's OCF Margin % for the quarter that ended in Mar. 2026 was 78.08%.

As of today, Pinnacle Financial Partners's current OCF Yield % is 11.18%.

The historical rank and industry rank for Pinnacle Financial Partners's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of Pinnacle Financial Partners was 59.44%. The lowest was 26.66%. And the median was 44.53%.

PNFPpC.PFD's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 29.44
* Ranked among companies with meaningful OCF Margin % only.

Pinnacle Financial Partners OCF Margin % Related Terms

Pinnacle Financial Partners OCF Margin % Historical Data

* Premium members only.

The historical data trend for Pinnacle Financial Partners's OCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pinnacle Financial Partners OCF Margin % Chart

Pinnacle Financial Partners Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 58.85 46.37 34.58 59.44 42.37

Pinnacle Financial Partners Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -4.98 59.10 87.07 24.23 78.08
PNFPPC.PFD
68GF Score
Pinnacle Financial Partners Inc PNFPPC.PFD
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Pinnacle Financial Partners OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Pinnacle Financial Partners's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=759.008/1791.426
=42.37 %

Pinnacle Financial Partners's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=926/1186
=78.08 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 78.08% mean?
Pinnacle Financial Partners (PNFPPC.PFD) has a OCF Margin % of 78.08% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pinnacle Financial Partners and its competitors. This is 75% above median its historical median of 44.53. Over the past decade, Pinnacle Financial Partners' OCF Margin % has ranged from 26.66 to 59.44. According to the industry distribution chart, Pinnacle Financial Partners ranks #320 out of 1505 companies in the Banks industry, placing it in the top 21.3%.
Is Pinnacle Financial Partners' OCF Margin % too high?
Pinnacle Financial Partners' current OCF Margin % of 78.08% is 75% above median its 10-year median of 44.53. Over the past 10 years, this metric has ranged from a low of 26.66 to a high of 59.44. The Banks industry median OCF Margin % is 29.44. Pinnacle Financial Partners' value of 78.08% is 165.2% above this industry median. Based on the distribution chart, Pinnacle Financial Partners ranks #320 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pinnacle Financial Partners has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' OCF Margin % compare to EWBC and WBS?
According to the Banks industry distribution chart, Pinnacle Financial Partners ranks #320 out of 1505 companies for OCF Margin %. This places Pinnacle Financial Partners in the top 21% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. Pinnacle Financial Partners' value of 78.08% is 165.2% above this benchmark. Historically, Pinnacle Financial Partners' own OCF Margin % has ranged from 26.66 to 59.44 over the past decade. While the company's 10-year median is 44.53 vs. the industry median of 29.44, Pinnacle Financial Partners has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pinnacle Financial Partners's current OCF Margin % of 78.08% is 165.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pinnacle Financial Partners and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pinnacle Financial Partners's current OCF Margin % is 78.08%, which is 75% above median its own 10-year median of 44.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Financial Partners stock overvalued right now?
Pinnacle Financial Partners (PNFPPC.PFD) has a current OCF Margin % of 78.08%. The current OCF Margin % is 78.08%, which is 75% above median its 10-year median of 44.53 and 165.2% above the Banks industry median of 29.44. Pinnacle Financial Partners' overall GF Score™ is 68/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pinnacle Financial Partners (PNFPPC.PFD), the current OCF Margin % is 78.08% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Pinnacle Financial Partners Business Description

Other Exchanges PNFP:USA
Address 3400 Overton Park Drive, Atlanta, GA, USA, 30339
Pinnacle Financial Partners Inc is a financial holding company. The company operates through its wholly-owned subsidiary, Pinnacle Bank. The bank provides a full range of lending products, including commercial, real estate, and consumer loans to individuals and small to medium-sized businesses. It operates as a community bank mainly in the urban markets of Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, as well as surrounding counties. It relies heavily on mergers and acquisitions. A majority of its loan portfolio is in commercial loans, mainly real estate, as well as industrial loans. The bank generates a majority of its net revenue through net interest income.
68GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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