Pinnacle Financial/$PNFP

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About Pinnacle Financial

Pinnacle Financial Partners Inc is a financial holding company. The company operates through its wholly-owned subsidiary, Pinnacle Bank. The bank provides a full range of lending products, including commercial, real estate, and consumer loans to individuals and small to medium-sized businesses. It operates as a community bank mainly in the urban markets of Nashville, Knoxville, Memphis, and Chattanooga, Tennessee, as well as surrounding counties. It relies heavily on mergers and acquisitions. A majority of its loan portfolio is in commercial loans, mainly real estate, as well as industrial loans. The bank generates a majority of its net revenue through net interest income.

Ticker

$PNFP
Sector
Primary listing

Employees

3,627

PNFP Metrics

BasicAdvanced
$7.5B
12.97
$7.51
1.07
$0.94
0.99%

What the Analysts think about PNFP

Analyst ratings (Buy, Hold, Sell) for Pinnacle Financial stock.

Bulls say / Bears say

Pinnacle Financial’s annualized loan growth reached 10.7% quarter-over-quarter in Q2 2025, supporting a 14.2% year-over-year increase in net interest income to $379.5 million (Business Wire).
The bank’s net interest margin expanded to 3.23% in Q2 2025 from 3.14% the year before, highlighting effective management of funding costs in a rising rate environment (Business Wire).
Pinnacle’s $8.6 billion all-stock merger with Synovus Financial is expected to increase operating EPS by 21% by 2027, with a fast earnback period of 2.6 years and improved scale and franchise value (Reuters).
PNFP shares fell 6% in after-hours trading following its all-stock merger announcement with Synovus, reflecting market skepticism over the strategic benefits of the deal (Reuters).
The combined Pinnacle-Synovus entity will surpass $115 billion in assets, moving it into the "large financial institution" category and subjecting it to stricter regulations and higher compliance costs (Reuters).
Commercial real estate loans make up over a quarter of PNFP’s $37.1 billion loan portfolio—with $4.74 billion in owner-occupied and $5.89 billion in investment loans—while the allowance for credit losses declined to 1.14%, potentially limiting reserves if CRE defaults increase (Nasdaq) and (SEC).
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.

PNFP Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

PNFP Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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