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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Pinnacle Financial Partners's retained earnings for the quarter that ended in Mar. 2026 was €3,274 Mil.
Pinnacle Financial Partners's quarterly retained earnings
increased
from Sep. 2025 (€3,050 Mil) to Dec. 2025 (€3,184 Mil) and
increased
from Dec. 2025 (€3,184 Mil) to Mar. 2026 (€3,274 Mil).
Pinnacle Financial Partners's annual retained earnings
increased
from Dec. 2023 (€2,554 Mil) to Dec. 2024 (€3,033 Mil) and
increased
from Dec. 2024 (€3,033 Mil) to Dec. 2025 (€3,184 Mil).
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Pinnacle Financial Partners Retained Earnings Historical Data
* 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Pinnacle Financial Partners (FRA:PFZ0) has a Retained Earnings of €3,274 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Pinnacle Financial Partners and its competitors.
Is Pinnacle Financial Partners' Retained Earnings too high?
Pinnacle Financial Partners' current Retained Earnings is €3,274 Mil. Overall, Pinnacle Financial Partners has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Financial Partners' Retained Earnings compare to EWBC and WBS?
Pinnacle Financial Partners' Retained Earnings of €3,274 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Banks company?
A good Retained Earnings depends on the Banks industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Pinnacle Financial Partners and its competitors. Pinnacle Financial Partners's current Retained Earnings is €3,274 Mil. 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?
Based on GuruFocus' analysis, Pinnacle Financial Partners (FRA:PFZ0) is currently considered Modestly Undervalued. The stock's GF Value™ is €106.29, compared to a current price of €89.50 — trading 15.8% below its estimated fair value. The current Retained Earnings is €3,274 Mil. Pinnacle Financial Partners' overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Pinnacle Financial Partners (FRA:PFZ0), the current Retained Earnings is €3,274 Mil 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.
Is Pinnacle Financial Partners (FRA:PFZ0) Overvalued in 2026?
Based on GuruFocus' analysis, Pinnacle Financial Partners stock appears to be undervalued.
The current stock price of €89.50 is trading 15.8% below its estimated GF Value™ of €106.29.
GuruFocus considers Pinnacle Financial Partners to be Modestly Undervalued.
Key valuation signals for FRA:PFZ0:
Retained Earnings: €3,274 Mil
GF Value™: €106.29 vs. price of €89.50 (15.8% below fair value)
No single metric tells the full story. See the FRA:PFZ0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
73GF Score
Get the complete analysis for FRA:PFZ0
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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