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Pinnacle Financial Partners
Pinnacle Financial Partners (PNFB) investor relations material
Pinnacle Financial Partners Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Merger with Synovus completed January 1, 2026, creating a leading regional bank with a focus on above-peer revenue, EPS, and tangible book value growth, supported by a robust operating and recruiting model.
Both legacy firms delivered strong 2025 results: Pinnacle grew adjusted diluted EPS by 22%, Synovus by 28%.
Maintained high client satisfaction and employee engagement, with top Net Promoter Scores and high workplace rankings.
Integration is on schedule, with unified culture and operating model driving momentum and talent attraction.
Financial highlights
Q4 2025 adjusted diluted EPS was $2.24 (down 1% QoQ, up 18% YoY); GAAP diluted EPS was $2.13 (down 3% QoQ, up 12% YoY); net interest income up 3% QoQ and 12% YoY; net income available to common shareholders was $166.0M.
Full-year 2025 adjusted diluted EPS was $8.37 (up 22% YoY); GAAP diluted EPS was $8.07 (up 35% YoY); net income was $626.7M.
Pinnacle period-end loans up 3% QoQ, 10% YoY; core deposits up 3% QoQ, 10% YoY; NIM at 3.27%.
Non-interest revenue for Q4 2025 was $134.8M, up 21% YoY; adjusted non-interest revenue was $138.87M, up 25% YoY.
Both firms reported healthy credit metrics and capital levels; Pinnacle CET1 at 10.88%, Synovus at 11.28%.
Outlook and guidance
2026 period-end loan growth targeted at 9%-11% ($91-$93B); deposit growth at 8%-10% ($106.5-$108.5B); stable deposit mix.
Adjusted revenue outlook: $5-$5.2B; adjusted non-interest expense: $2.675-$2.8B; non-interest revenue: ~$1.1B.
Net interest margin expected in 3.45%-3.55% range, factoring in purchase accounting and rate cuts.
Net charge-offs estimated at 20-25 bps for 2026; CET1 ratio targeted at 10.25%-10.75%.
40% of merger-related expense savings ($100M–$250M) to be realized in 2026.
Quarterly dividend set at $0.50/share; $400M share repurchase program authorized, with buybacks likely deferred until late 2026.
What are key integration milestones for 2026?
What is the outlook for BHG credit quality?
How will non-interest income growth be sustained?
How will Synovus hiring model align with Pinnacle's?
What CET1 level triggers share repurchases?
How do lower rates affect NIM and PAA outlook?
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Next Pinnacle Financial Partners earnings date
Bank of America Financial Services Conference 202611 Feb, 2026
Pinnacle Financial Partners
Next Pinnacle Financial Partners earnings date
Bank of America Financial Services Conference 202611 Feb, 2026
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Frequently asked questions
Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company offers deposit products, including checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, and time deposits; and loan products, including residential mortgage loans and commercial real estate loans. It primarily makes residential mortgages to individual borrowers primarily on a purchase-money basis through internal loan production offices in severeal cities across the US. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.
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