The earnings call highlighted strong revenue, EPS, and tangible book value growth, along with impressive core deposit and loan growth. However, challenges included lower-than-expected deposit growth and increased net charge-offs. Despite these challenges, the overall sentiment is positive due to substantial growth metrics and successful strategic initiatives.

Company Guidance

During the Pinnacle Financial Partners Second Quarter 2025 Earnings Conference Call, CEO Terry Turner emphasized the firm's focus on three key metrics: revenue growth, EPS growth, and tangible book value per share growth, which he believes are highly correlated with share price performance. For the second quarter of 2025, these metrics showed significant year-over-year increases, with revenue up by 15.1%, adjusted EPS up by 22.7%, and tangible book value per share up by 10.9%. Turner highlighted Pinnacle's ability to grow net interest income by 7% despite a challenging economic environment, driven by a 10% growth in earning assets and a 13% increase in core deposits, significantly outpacing peer banks. CFO Harold Carpenter projected loan growth between 9% and 11% for the year and confirmed a stable net interest margin of 3.23% with a positive bias. Additionally, Pinnacle raised its net interest income growth outlook to a range of 12% to 13% for 2025, demonstrating confidence in its strategic hiring and market positioning to sustain growth.

Strong Revenue and EPS Growth

Revenue was up 15.1% over the same quarter last year, and adjusted EPS was up 22.7% over the same quarter last year.

Tangible Book Value Per Share Increase

Tangible book value per share was up 10.9% over the same quarter last year.

Core Deposit and Earning Asset Growth

Produced 13% core deposit growth and 10% earning asset growth, significantly outpacing peers.

Record Loan Growth

End-of-period loans increased by 10.7% linked quarter annualized.

Net Interest Income and Margin Expansion

Net interest income grew by more than 16% linked quarter annualized, with NIM up 2 basis points to 3.23%.

BHG Earnings Surge

BHG is expected to increase earnings estimate for 2025 from 20% growth to approximately 40% growth over 2024.

Successful Hiring Strategy

Hired 71 revenue producers year-to-date with strong potential for future growth.

Pinnacle Financial Partners (PNFP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

PNFP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 21, 2025	2025 (Q3)	2.03 / -	1.86	―	―	―
Jul 15, 2025	2025 (Q2)	1.91 / 2.00	1.63	22.70% (+0.37)
Apr 14, 2025	2025 (Q1)	1.80 / 1.90	1.53	24.18% (+0.37)
Jan 21, 2025	2024 (Q4)	1.78 / 1.90	1.68	13.10% (+0.22)
Oct 15, 2024	2024 (Q3)	1.77 / 1.86	1.79	3.91% (+0.07)
Jul 16, 2024	2024 (Q2)	1.61 / 1.63	1.79	-8.94% (-0.16)
Apr 22, 2024	2024 (Q1)	1.54 / 1.53	1.76	-13.07% (-0.23)
Jan 16, 2024	2023 (Q4)	1.67 / 1.68	1.76	-4.55% (-0.08)
Oct 17, 2023	2023 (Q3)	1.70 / 1.79	1.91	-6.28% (-0.12)
Jul 18, 2023	2023 (Q2)	1.63 / 1.79	1.86	-3.76% (-0.07)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PNFP Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 15, 2025	$114.57	$116.18	+1.41%
Apr 14, 2025	$91.73	$93.88	+2.34%
Jan 21, 2025	$119.38	$121.19	+1.52%
Oct 15, 2024	$99.62	$104.52	+4.92%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Pinnacle Financial Partners (PNFP) report earnings?

Pinnacle Financial Partners (PNFP) is schdueled to report earning on Oct 21, 2025, After Close (Confirmed).

What is Pinnacle Financial Partners (PNFP) earnings time?

Pinnacle Financial Partners (PNFP) earnings time is at Oct 21, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PNFP EPS forecast?

PNFP EPS forecast for the fiscal quarter 2025 (Q3) is 2.03.

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