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    Jackson Singleton

    Research Analyst at Autonomous Research

    Jackson Singleton is currently an Equity Research Associate, with expertise in the U.S. banking sector and prior experience at Jefferies, where they performed financial analysis focused on major American banks. Singleton's coverage includes industry leaders in the banking space, demonstrating a detailed understanding of bank-specific financials and trends, though publicly available performance rankings and quantitative investment metrics are not listed. Their career began in equity research at Jefferies before moving to Autonomous Research, reflecting a progression through reputable sell-side firms. Formal securities licensing or third-party recognition is not confirmed from available sources.

    Jackson Singleton's questions to PINNACLE FINANCIAL PARTNERS (PNFP) leadership

    Jackson Singleton's questions to PINNACLE FINANCIAL PARTNERS (PNFP) leadership • Q2 2025

    Question

    Jackson Singleton, on behalf of Casey Haire from Autonomous Research, asked for the specific drivers that could lead to a net interest margin (NIM) increase in the third quarter and for expectations on deposit beta performance going forward.

    Answer

    CFO Harold Carpenter explained that potential NIM upside in Q3 would be driven by continued lift from fixed-rate loan repricing and stable non-interest-bearing deposit balances. He stated that while there is always room for improvement, he does not anticipate significant changes in deposit betas in the near term. However, a Fed rate decrease would be the key catalyst to more aggressively lower deposit costs.

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    Jackson Singleton's questions to PINNACLE FINANCIAL PARTNERS (PNFP) leadership • Q2 2025

    Question

    Jackson Singleton, on behalf of Casey Haire from Autonomous Research, asked for more color on the drivers behind the potential Net Interest Margin (NIM) increase in Q3 and for expectations on deposit beta performance going forward.

    Answer

    CFO Harold Carpenter attributed the stable-to-upwardly biased NIM outlook to continued fixed-rate loan repricing and the stability of non-interest-bearing deposits. He noted that he does not expect significant changes in deposit betas until the Federal Reserve enacts a rate cut, which would create an opportunity to reprice deposits lower.

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    Jackson Singleton's questions to PINNACLE FINANCIAL PARTNERS (PNFP) leadership • Q2 2025

    Question

    Jackson Singleton from Autonomous Research asked for more color on the drivers of the Net Interest Margin (NIM) and what could lead to an increase in Q3. He also inquired about expectations for deposit betas going forward.

    Answer

    CFO Harold Carpenter explained that potential NIM stability or a slight upward bias in Q3 would be driven by ongoing fixed-rate loan repricing and stable non-interest-bearing deposit balances. He noted that deposit betas are expected to remain stable in the near term and that a rate decrease from the Federal Reserve would be the primary catalyst needed to meaningfully lower deposit costs.

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