Pinnacle Financial Partners (PNFP)
NYSE:PNFP
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Earnings Data
Report Date
Jul 21, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
2.51Last Year’s EPS
2Same Quarter Last Year
Moderate Buy
Based on 13 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a strongly positive operational and commercial performance in the first quarter post‑merger: robust organic loan and core deposit growth, margin expansion, material fee revenue growth, rapid recruiting and early synergy realization. Key near‑term negatives are sizable merger-related charges that depressed reported EPS, CET1 below target (9.8%), a reserve build driven by cautious economic assumptions and a modest reduction in near‑term BHG revenue guidance. Management reiterated full‑year guidance and emphasized integration progress, culture strength and confidence in execution, leading to an overall constructive outlook.Company Guidance
Strong Organic Loan Growth
Period-end loans (ex. day‑1 purchase accounting loan mark) increased $2.1 billion in Q1, a 10% annualized rise from combined Q4 2025, driven primarily by C&I and specialty lending; first‑quarter funded production totaled ~$4.2 billion.
Core Deposit Expansion
Linked‑quarter organic core deposit growth was $1.9 billion (8% annualized) in Q1, broad‑based across geographies and driven by higher interest‑bearing demand and money market accounts.
Net Interest Margin Expansion
Net interest margin expanded to 3.53% in Q1 (in the top half of target range); company reiterates full‑year NIM guidance at approximately 3.5%.
Revenue and Fee Momentum
Adjusted noninterest revenue grew over 20% year‑over‑year (combined basis) with strong year‑over‑year growth in core banking fees, wealth (+14% YoY) and capital markets (more than doubled YoY); adjusted revenue outlook for 2026 remains $5.0–$5.2 billion.
Recruiting and Talent Wins
Added 50 experienced revenue producers in Q1 (up 22% sequentially on a combined basis and up 11% YoY), plus another 37 hires/accepted offers in April; management cites ~250 target for 2026 and strong embedded growth from current hires ($15–$20B on Pinnacle side).
Integration Progress & Culture Recognition
Merger integration progressing ahead of plan with most tech/system decisions made; realized majority of 2026 merger expense synergies in Q1. Legacy Pinnacle ranked #1 nationally (Coalition Greenwich); Pinnacle named #12 on Fortune 100 Best Companies to Work For (10th consecutive year).
Disciplined Credit Performance
Credit remained stable: net charge‑offs of $49 million (23 bps) in Q1 versus 25 bps in combined Q4 2025 and 19 bps in 2025; NPA ratio 0.58% (impacted by two senior housing relationships with specific reserves) and allowance for credit losses 1.19%.
Capital & Liquidity Actions
Common equity Tier 1 ratio ended Q1 at 9.8%; management intends to build toward a 10.25% target while deploying capital to client growth. Management estimates the proposed capital NPR could add ~60 bps to CET1. Securities repositioning reduced interest‑rate risk and improved Level 1 HQLA.
PNFP Earnings History
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 |
|---|---|---|---|
Apr 22, 2026 | $95.25 | $98.58 | +3.50% |
Jan 21, 2026 | $100.70 | $96.58 | -4.10% |
Sep 30, 2025 | $92.59 | $92.12 | -0.51% |
Jul 15, 2025 | $113.10 | $114.70 | +1.41% |
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 Jul 21, 2026, After Close (Confirmed).
What is Pinnacle Financial Partners (PNFP) earnings time?
Pinnacle Financial Partners (PNFP) earnings time is at Jul 21, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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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 2026 (Q2) is 2.51.