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Pinnacle Financial Partners (PNFP)
NYSE:PNFP
Earnings Data
Report Date
Apr 20, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.31Last Year’s EPS
1.9Same Quarter Last Year
Strong Buy
Based on 14 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple clear strengths: double-digit EPS and revenue growth at legacy firms, healthy loan and deposit growth, successful and rapid merger close with immediate integration activities, securities repositioning that improved liquidity and reduced PAA, and an articulated path to revenue and cost synergies. Near-term headwinds were also prominent: significant merger-related and nonrecurring expenses in 2026, an expected CET1 dip to ~10% in Q1, delayed year-one cost-synergy recognition (40% vs 50%), some concentrated credit charge-offs, and margin sensitivity to rate cuts and liquidity. On balance, management provided confidence in sustainable, people-driven growth (hiring engine, revenue synergies) and concrete actions to stabilize capital and liquidity, making the positives appear to outweigh the near-term challenges.Company Guidance
Strong EPS Growth in 2025 (Legacy Firms)
Legacy Pinnacle: adjusted diluted EPS grew 22% in 2025; Legacy Synovus: adjusted diluted EPS grew 28% in 2025. Q4 standalone: Pinnacle adjusted EPS $2.24 (stable QoQ, +18% YoY); Synovus adjusted EPS $1.45 (stable QoQ, +16% YoY).
Robust Loan and Deposit Growth
Legacy Pinnacle period-end loans +3% QoQ and +10% YoY; core deposits +3% QoQ and +10% YoY. Synovus period-end loans +2% QoQ ($872M) and +5% YoY; core deposits +2% QoQ (+$895M). Combined 2026 guidance: period-end loans $91B–$93B (+9% to +11%) and total deposits $106.5B–$108.5B (+8% to +10%).
Net Interest Income and Margin Momentum
Pinnacle NII +3% QoQ and +12% YoY; Synovus NII +2% QoQ and +7% YoY. Q4 NIMs: Pinnacle 3.27% (up 1 bp), Synovus 3.45% (up 4 bps). Combined 2026 NIM guidance 3.45%–3.55% (reflecting purchase accounting accretion and asset repricing).
Successful, Rapid Merger Close and Early Integration Progress
Merger closed Jan 1 — 160 days post-announcement. Early integration milestones achieved (shared operating rhythms, combined sales/service meetings) and immediate efforts to capture revenue synergies; management expects $100M–$130M of revenue synergies over 2–3 years and believes some benefits begin in 2026.
Securities Repositioning and Liquidity Improvements
Sold ~$4.4B and purchased ~$4.4B of securities with avg yield ~4.7% and duration ~4.25 years, supporting HQLA, reducing RWA, and eliminating ~98% of the PAA associated with the securities portfolio.
Capital Actions and Shareholder Returns Framework
Board authorized $400M common share repurchase program; quarterly common equity dividend set at $0.50 per share starting Q1 2026. CET1 targets set at 10.25%–10.75% for the combined company (acknowledging near-term CET1 impacts).
Recurring Revenue Strength and BHG Contribution
Combined adjusted noninterest revenue showing growth drivers: treasury, capital markets, wealth. BHG contributed ~$31M in fee revenue to Pinnacle in Q4; BHG expected to deliver $125M–$135M in investment income in 2026 and management expects 25%–35% growth for BHG in 2026.
Hiring Engine and Salesforce Growth
Both firms hired 41 new revenue producers in Q4, totaling ~217 revenue producers in 2025. Management targets 250 total revenue producers in 2026 and plans continued accelerated hiring to drive sustained loan/deposit growth.
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 |
|---|---|---|---|
Jan 21, 2026 | $101.72 | $97.55 | -4.10% |
Sep 30, 2025 | $93.53 | $93.05 | -0.51% |
Jul 15, 2025 | $114.24 | $115.86 | +1.41% |
Apr 14, 2025 | $91.47 | $93.62 | +2.34% |
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 Apr 20, 2026, After Close (Confirmed).
What is Pinnacle Financial Partners (PNFP) earnings time?
Pinnacle Financial Partners (PNFP) earnings time is at Apr 20, 2026, 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 2026 (Q1) is 2.31.