Earnings summaries and quarterly performance for Pinnacle Financial Partners.
Executive leadership at Pinnacle Financial Partners.
Terry Turner
Detailed
President and Chief Executive Officer
CEO
CS
Charissa Sumerlin
Detailed
Chief Credit Officer
HC
Harold Carpenter
Detailed
Chief Financial Officer
HW
Harvey White
Detailed
Senior Credit Officer
RC
Richard Callicutt
Detailed
Chairman of the Carolinas and Virginia
RM
Robert McCabe
Detailed
Chairman of the Board and Chairman of Tennessee
Board of directors at Pinnacle Financial Partners.
AB
Abney Boxley
Detailed
Lead Independent Director
CB
Charles Brock
Detailed
Director
DI
David Ingram
Detailed
Director
DJ
Decosta Jenkins
Detailed
Director
GG
Glenda Glover
Detailed
Director
GB
Gregory Burns
Detailed
Director
KT
Kennedy Thompson
Detailed
Director
RB
Renda Burkhart
Detailed
Director
TF
Thomas Farnsworth
Detailed
Director
Research analysts who have asked questions during Pinnacle Financial Partners earnings calls.
Anthony Elian
JPMorgan
9 questions for PNFP
Also covers: BANC, CMA, COLB +11 more
BM
Brian Martin
Janney Montgomery Scott
8 questions for PNFP
Also covers: BFIN, BY, EFSC +10 more
Catherine Mealor
Keefe, Bruyette & Woods
8 questions for PNFP
Also covers: ABCB, AUB, CADE +21 more
Jared Shaw
Barclays
7 questions for PNFP
Also covers: ASB, BANC, BKU +23 more
MR
Michael Rose
Raymond James Financial, Inc.
6 questions for PNFP
Also covers: AMTB, BFST, BKU +25 more
Ben Gerlinger
Citigroup
5 questions for PNFP
Also covers: BKU, BPOP, CADE +10 more
SS
Stephen Scouten
Piper Sandler & Co.
5 questions for PNFP
Also covers: ABCB, AMTB, AUB +24 more
CH
Casey Haire
Jefferies
4 questions for PNFP
Also covers: ASB, CADE, CFR +12 more
Samuel Varga
UBS
4 questions for PNFP
Also covers: BPOP, COLB, EWBC +9 more
Timur Braziler
Wells Fargo
4 questions for PNFP
Also covers: ASB, BANC, BKU +16 more
Benjamin Gerlinger
Citigroup Inc.
3 questions for PNFP
Also covers: BANC, BKU, BOKF +18 more
BR
Brett Rabatin
Hovde Group, LLC
3 questions for PNFP
Also covers: BOKF, BPOP, CADE +20 more
Jackson Singleton
Autonomous Research
3 questions for PNFP
Also covers: TCBI, WBS, WTFC
Tim Mitchell
Raymond James Financial
3 questions for PNFP
Also covers: HTH, OZK, TCBX +1 more
Bernard Von Gizycki
Deutsche Bank
2 questions for PNFP
Also covers: CMA, EWBC, FCNCA +8 more
Christopher Marinac
Janney Montgomery Scott LLC
2 questions for PNFP
Also covers: ABCB, BFST, BKU +25 more
DC
David Chiaverini
Wedbush Securities Inc.
2 questions for PNFP
Also covers: AX, BANC, BOKF +17 more
Ebrahim Poonawala
Bank of America Securities
2 questions for PNFP
Also covers: , BK, BMO +31 more
Jared David Shaw
Barclays Capital
2 questions for PNFP
Also covers: BANC, BKU, BOH +13 more
JM
John McDonald
Truist Securities
2 questions for PNFP
Also covers: ABCB, BAC, C +8 more
JP
John Pancari
Evercore ISI
2 questions for PNFP
Also covers: ALLY, AXP, BFH +19 more
Russell Gunther
Stephens Inc.
2 questions for PNFP
Also covers: ABCB, AMTB, AUB +10 more
SS
Steven Scoutin
Piper Sandler
2 questions for PNFP
Also covers: ABCB, AUB
AE
Anthony Ehlien
JPMorgan Chase & Co.
1 question for PNFP
BR
Brett Rabiton
Hovde Group
1 question for PNFP
CH
Casey Hare
Autonomous Research
1 question for PNFP
Also covers: FNB, FULT
CN
Catherine Neeler
ABW
1 question for PNFP
JR
Jonathan Rau
Barclays
1 question for PNFP
Also covers: COLB, FHN, PB
NH
Nicholas Holowko
UBS Group AG
1 question for PNFP
Also covers: CMA, FCNCA, FHN +5 more
Timothy Mitchell
Raymond James
1 question for PNFP
Also covers: AMTB, BOKF, FSUN +6 more
Recent press releases and 8-K filings for PNFP.
Pinnacle Financial Partners Announces Common Dividend
PNFP
Dividends
M&A
- Pinnacle Financial Partners, Inc. announced a $0.50 per share cash dividend.
- The dividend is scheduled to be paid on February 27, 2026, to common shareholders of record as of the close of business on February 6, 2026.
- The company is a $119.1 billion asset regional bank that joined forces with Synovus Financial Corp. in 2026.
- Pinnacle is the largest bank headquartered in Tennessee and the largest bank holding company headquartered in Georgia.
Jan 26, 2026, 10:00 PM
Pinnacle Financial Partners Reports Q4 2025 Results and Provides 2026 Outlook
PNFP
Earnings
Guidance Update
Share Buyback
- Pinnacle Financial Partners (PNFP) reported Q4 2025 adjusted EPS of $2.24, while Synovus reported adjusted diluted EPS of $1.45, with both stable quarter-over-quarter and up year-over-year.
- For Q4 2025, Pinnacle's period-end loans grew 3% quarter-over-quarter and 10% year-over-year, with core deposits also up 3% quarter-over-quarter and 10% year-over-year. Synovus saw period-end loan growth of 2% quarter-over-quarter and 5% year-over-year, and core deposits grew 2% quarter-over-quarter.
- The combined company projects period-end loans to grow 9%-11% to $91-$93 billion and total deposits to grow 8%-10% to $106.5-$108.5 billion in 2026.
- The 2026 financial outlook for the combined company includes adjusted revenue of $5-$5.2 billion, a net interest margin (NIM) estimated in the 345-355 basis point range, and adjusted non-interest expense expected to be $2.7-$2.8 billion.
- A $0.50 per share quarterly common equity dividend will commence in Q1 2026, and a $400 million common share repurchase program has been authorized, though share repurchases are unlikely in Q1 and Q2 2026. The target Common Equity Tier 1 (CET1) ratio is 10.25%-10.75%.
Jan 22, 2026, 1:30 PM
Pinnacle Financial Partners Reports Q4 2025 Results and Provides 2026 Guidance
PNFP
Earnings
Guidance Update
M&A
- Pinnacle Financial Partners (PNFP) reported strong Q4 2025 results, with adjusted EPS of $2.24, a 3% sequential increase in net interest income, and 3% quarter-over-quarter loan and core deposit growth. Synovus also delivered strong Q4 2025 performance, with adjusted diluted EPS of $1.45, a 2% sequential increase in net interest income, and 2% quarter-over-quarter loan and core deposit growth.
- For 2026, the combined company projects period-end loans to grow to $91-$93 billion (up 9%-11% year-over-year) and total deposits to grow to $106.5-$108.5 billion (up 8%-10%).
- The 2026 adjusted revenue outlook is $5-$5.2 billion, with an estimated net interest margin in the 345-355 basis point range. Adjusted non-interest revenue is anticipated to be approximately $1.1 billion, and adjusted non-interest expense is projected at approximately $2.7-$2.8 billion, including $100 million in merger-related expense savings.
- The company expects 2026 net charge-offs in the 20-25 basis point range and targets a Common Equity Tier 1 ratio of 10.25%-10.75%. A quarterly common equity dividend of $0.50 per share will begin in Q1 2026, and a $400 million common share repurchase program has been authorized.
- PNFP plans to hire 250 total revenue producers in 2026, following 217 hires by both firms combined in 2025, to support continued balance sheet growth.
Jan 22, 2026, 1:30 PM
Pinnacle Financial Partners Reports Q4 2025 Results and Provides 2026 Outlook
PNFP
Earnings
Guidance Update
M&A
- Pinnacle Financial Partners (PNFP) and Synovus completed their merger on January 1, 2026, following strong individual Q4 2025 performances, with Pinnacle reporting $2.24 adjusted EPS and Synovus reporting $1.45 adjusted diluted EPS.
- For 2026, the combined company expects period-end loans to grow to $91-$93 billion (up 9%-11%), total deposits to reach $106.5-$108.5 billion (up 8%-10%), and adjusted revenue to be $5-$5.2 billion. The net interest margin is estimated at 345-355 basis points, and adjusted non-interest expense is projected at $2.7-$2.8 billion.
- PNFP authorized a $400 million common share repurchase program and will initiate a quarterly common equity dividend of $0.50 per share starting in Q1 2026, targeting a Common Equity Tier 1 ratio of 10.25%-10.75%.
- The company plans to hire 250 total revenue producers in 2026, supporting loan and core deposit growth, with loan growth expected to accelerate from mid to high single digits in H1 2026 to double digits in H2 2026.
Jan 22, 2026, 1:30 PM
Pinnacle Financial Partners and Synovus Announce Q4 2025 Results and 2026 Outlook
PNFP
Earnings
Guidance Update
- Pinnacle Financial Partners (PNFP) reported Q4 2025 GAAP diluted EPS of $2.13 and adjusted diluted EPS of $2.24, with total revenue reaching $542,204 thousand.
- Synovus reported Q4 2025 GAAP diluted EPS of $1.22 and adjusted diluted EPS of $1.45, with total revenue of $629,671 thousand.
- As of Q4 2025, PNFP's loans stood at $39,154 million and deposits at $47,397 million , while Synovus reported loans of $44,626 million and deposits of $51,324 million.
- The 2026 outlook projects loans between $91.0 billion and $93.0 billion and deposits between $106.5 billion and $108.5 billion, with an anticipated Net Interest Margin (NIM) range of 3.45% to 3.55%.
Jan 22, 2026, 1:30 PM
PNFP Reports 4Q25 Diluted EPS of $2.13 and Adjusted Diluted EPS of $2.24
PNFP
Earnings
M&A
Revenue Acceleration/Inflection
- Pinnacle Financial Partners, Inc. (PNFP) reported net income per diluted common share of $2.13 for the quarter ended Dec. 31, 2025, an 11.5 percent increase from $1.91 in the prior year quarter. For the full year ended Dec. 31, 2025, diluted EPS was $8.07, up 35.4 percent from $5.96 in the prior year.
- Adjusted diluted EPS for the quarter ended Dec. 31, 2025, was $2.24, an increase of 17.9 percent compared to $1.90 for the same period in 2024. Full-year adjusted diluted EPS for 2025 was $8.37, a 21.5 percent increase from $6.89 in 2024.
- The merger of legacy Pinnacle and Synovus Financial Corp. closed on January 1, 2026, aiming to create one of the leading regional banks in the industry.
- For the fourth quarter of 2025, total revenues were $542.2 million, a 14.1 percent year-over-year increase. Loans grew by $1.2 billion in Q4 2025, and year-over-year core deposits increased by 10.2 percent.
- The tangible book value per share stood at $63.71 at Dec. 31, 2025, marking a 13.3 percent increase over the previous year.
Jan 21, 2026, 9:51 PM
Pinnacle Financial Partners Announces Synovus' Fourth Quarter and Full Year 2025 Earnings
PNFP
Earnings
M&A
- Synovus reported diluted earnings per share of $1.22 and adjusted diluted earnings per share of $1.45 for the fourth quarter of 2025.
- The merger of Pinnacle Financial Partners and Synovus closed on January 1, 2026.
- For the full year 2025, Synovus' net income available to common shareholders was $746.7 million, or $5.33 per diluted share, with adjusted EPS of $5.69 per diluted share.
- In Q4 2025, Synovus' net interest income increased 2% sequentially and 7% year-over-year to $484.577 million, while non-interest revenue rose 3% sequentially and 16% year-over-year to $145.094 million.
- Credit quality remained healthy in Q4 2025, with a non-performing loan ratio of 0.57% and an annualized net charge-off ratio of 0.22%.
Jan 21, 2026, 9:50 PM
Pinnacle Financial Partners Reports Strong Q4 and Full-Year 2025 Earnings
PNFP
Earnings
Revenue Acceleration/Inflection
M&A
- Pinnacle Financial Partners, Inc. (PNFP) reported diluted EPS of $2.13 for Q4 2025, an 11.5% increase from $1.91 in Q4 2024. For the full year 2025, diluted EPS was $8.07, up 35.4% from $5.96 in 2024.
- Adjusted diluted EPS for Q4 2025 was $2.24, an increase of 17.9% from $1.90 in Q4 2024. Full-year 2025 adjusted diluted EPS reached $8.37, a 21.5% increase from $6.89 in 2024.
- The company achieved double-digit year-over-year growth in key metrics, with period-end loans increasing 10% to $39,154 million and deposits increasing 11% to $47,397 million in 2025.
- Total revenue for Q4 2025 grew 14% year-over-year to $542,204 thousand, and net interest income increased 12% to $407,435 thousand. The net interest margin expanded 1 basis point to 3.27% in Q4 2025.
- This performance reflects accelerated growth rates, with the company noting the importance of sustaining outsized growth momentum following its recent merger with Synovus.
Jan 21, 2026, 9:38 PM
Pinnacle Financial Partners Marks Merger Completion and NYSE Listing
PNFP
M&A
Delisting/Listing Issues
New Projects/Investments
- Pinnacle Financial Partners' CEO Kevin Blair and executive leaders rang the NYSE opening bell to celebrate the closing of its merger with Synovus Financial Corp. and its new NYSE listing.
- The merger, completed in 2026, created a $117.2 billion asset regional bank operating more than 400 offices across nine states.
- The Pinnacle and Synovus brands will continue to operate independently until early 2027 for brand and systems conversion.
- Pinnacle is now the largest bank headquartered in Tennessee and the largest bank holding company headquartered in Georgia.
Jan 13, 2026, 9:39 PM
Pinnacle Financial Partners Completes Merger with Synovus Financial Corp.
PNFP
M&A
- Pinnacle Financial Partners, Inc. (NYSE: PNFP) announced the completion of its merger with Synovus Financial Corp., effective January 2, 2026.
- The combined entity will operate as one bank holding company under the name Pinnacle Financial Partners, Inc..
- Following the merger, Synovus Bank merged into Pinnacle Bank, and Pinnacle Bank became a member bank of the Federal Reserve System.
Jan 2, 2026, 3:26 PM
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