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
$6.9B
12.00
$7.51
1.07
$0.94
1.07%

What the Analysts think about PNFP

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

Bulls say / Bears say

The merger with Synovus Financial will create a combined regional bank with over $115 billion in assets, bolstering PNFP’s scale and market diversification in the U.S. Southeast (Reuters)
PNFP’s net interest margin expanded to 3.23% in Q2 2025 from 3.14% a year earlier, demonstrating effective deposit cost management and strong pricing power (Investing.com)
Loans grew at a 10.7% annualized rate in Q2 2025, led by a 21.9% annualized increase in commercial and industrial lending, underscoring robust client demand (Investing.com)
Post-merger announcement, PNFP shares fell 6%, reflecting investor concern over potential dilution and integration risks of combining with Synovus Financial (Reuters)
PNFP’s efficiency ratio widened to 56.7% in Q2 2025, exceeding the 55.4% analyst consensus and suggesting rising operating expenses relative to revenue (Zacks)
Approximately 79.8% of PNFP’s loan portfolio is concentrated in commercial lending, which could amplify credit risk and loan losses in the event of a regional economic downturn (TipRanks)
Data summarised monthly by Lightyear AI. Last updated on 3 Oct 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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