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Pinnacle Financial Partners (PNFB) investor relations material
Pinnacle Financial Partners Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
Key merger developments
Announced a transformational merger of equals, with regulatory approval received and closing targeted for early next year.
Kevin Blair will serve as CEO and Terry Turner as chairman of the combined company.
The combined entity will operate under the Pinnacle brand and model, with a single long-term CEO to ensure stability.
Early decisions on go-to-market strategy and systems (FIS platform) have accelerated integration.
Focus on maintaining a unique culture and client experience to avoid pitfalls seen in other large bank mergers.
Addressing investor concerns and execution risks
Main concern addressed: avoiding value destruction seen in other mergers by making clear leadership and system choices.
Overlapping markets are minimal, representing only 6% of pro forma deposits.
Cultural alignment is strong, with both legacy organizations emphasizing best workplace and client loyalty.
Retention of key leaders and a deep internal talent pool are expected to support smooth integration.
Turnover rates remain low, and leadership is confident in maintaining talent and culture.
Growth strategy and financial targets
Projecting 9%-11% loan and deposit growth for 2026, driven by Pinnacle’s hiring model and revenue synergies.
Synovus will need to accelerate growth to match Pinnacle’s historical 12% CAGR.
Revenue synergies of $100-$130 million expected over two to three years, embedded in 2026 guidance.
Growth to be fueled by adding nearly 500 revenue producers over two years, focusing on experienced bankers.
Expansion opportunities identified in Atlanta, Orlando, Tampa, South Florida, Richmond, and DC.
How to mitigate attrition with rapid hiring?
Detail BHG capital event and earnings replacement.
How will LFI status impact bank's "soul"?
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Next Pinnacle Financial Partners earnings date
Q4 202522 Jan, 2026
Next Pinnacle Financial Partners earnings date
Q4 202522 Jan, 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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