Pinnacle Financial Partners

PNFP

Market cap $6.57B

Pinnacle Financial Partners, Inc. (NASDAQ:PNFP ) Q3 2025 Earnings Call October 16, 2025 9:30 AM EDT Company Participants M. Turner - President, CEO & Director Harold Carpenter - Executive VP, CFO, Corporate Secretary & Principal Accounting Officer Conference Call Participants Jared David Shaw - Barclays Bank PLC, Research Division Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division Anthony Elian - JPMorgan Chase & Co, Research Division Stephen Scouten - Piper Sandler & Co., Research Division Brett Rabatin - Hovde Group, LLC, Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Casey Haire - Autonomous Research Limited Brian Martin - Janney Montgomery Scott LLC, Research Division Presentation Operator Good morning, everyone, and welcome to the Pinnacle Financial Partners Third Quarter 2025 Earnings Conference Call.

Pinnacle Financial Partners offers strong growth, solid credit quality, and attractive valuation, despite recent underperformance and merger-related concerns. PNFP's robust deposit and loan growth, conservative underwriting, and healthy capital ratios position it well for continued expansion in the Southeast. The Synovus acquisition is strategically sound but carries integration risk; successful execution could drive significant EPS accretion by 2027.

Although the revenue and EPS for Pinnacle Financial (PNFP) give a sense of how its business performed in the quarter ended September 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Pinnacle Financial (PNFP) came out with quarterly earnings of $2.27 per share, beating the Zacks Consensus Estimate of $2.05 per share. This compares to earnings of $1.86 per share a year ago.

NASHVILLE, Tenn.--(BUSINESS WIRE)--Pinnacle Financial Partners, Inc. (Nasdaq/NGS: PNFP) reported net income per diluted common share of $2.19 for the quarter ended Sept. 30, 2025, compared to net income per diluted common share of $1.86 for the quarter ended Sept. 30, 2024, an increase of approximately 17.7 percent. Net income per diluted common share was $5.96 for the nine months ended Sept. 30, 2025, compared to net income per diluted common share of $4.08 for the nine months ended Sept. 30,.

Looking beyond Wall Street's top-and-bottom-line estimate forecasts for Pinnacle Financial (PNFP), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended September 2025.

Pinnacle Financial (PNFP) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

NEW YORK & NEW ORLEANS--(BUSINESS WIRE)--Former Attorney General of Louisiana Charles C. Foti, Jr., Esq. and the law firm of Kahn Swick & Foti, LLC (“KSF”) are investigating the proposed merger of Synovus Financial Corp. (NYSE: SNV) and Pinnacle Financial Partners (NasdaqGS: PNFP). Upon completion of the proposed transaction, Synovus shareholders will own approximately 48.5% of the combined company. KSF is seeking to determine whether the merger and the process that led to it are adequate,.

NASHVILLE, Tenn.--(BUSINESS WIRE)--Pinnacle Financial Partners (Nasdaq/NGS: PNFP) CEO Terry Turner and Synovus Financial CEO Kevin Blair will participate in a joint fireside chat at the BancAnalysts Association of Boston Conference in Boston on Thursday, November 6, 2025, at 2:15 p.m. ET. They are expected to discuss the pending merger between Pinnacle and Synovus. A webcast of this event will be available on Pinnacle's investor relations website at investors.pnfp.com. For those unable to view.

NASHVILLE, Tenn.--(BUSINESS WIRE)--Pinnacle Financial Partners (Nasdaq/NGS: PNFP) remains the largest bank in the Nashville MSA by deposits, marking eight consecutive years at No. 1. According to FDIC data, the firm held $21.34 billion in local deposits at June 30, 2025, which is 21.72 percent of the total market and more than 64 percent above its closest competitor. Despite an already massive lead, the firm added more deposit dollars than any other bank in the market during the preceding 12 mo.