--- title: "PNFP Reports 4Q25 Diluted EPS of $2.13 and Adjusted Diluted EPS of $2.24 | PNFP Stock News" description: "Pinnacle Financial Partners, Inc. (PNFP) reported a 4Q25 diluted EPS of $2.13, up 11.5% year-over-year, and an adjusted diluted EPS of $2.24, reflecting a 17.9% increase. For the year, diluted EPS ros" type: "news" locale: "en" url: "https://longbridge.com/en/news/273284948.md" published_at: "2026-01-21T13:51:00.000Z" --- # PNFP Reports 4Q25 Diluted EPS of $2.13 and Adjusted Diluted EPS of $2.24 | PNFP Stock News > Pinnacle Financial Partners, Inc. (PNFP) reported a 4Q25 diluted EPS of $2.13, up 11.5% year-over-year, and an adjusted diluted EPS of $2.24, reflecting a 17.9% increase. For the year, diluted EPS rose 35.4% to $8.07. The company experienced double-digit growth in loans, deposits, and revenues. The merger with Synovus Financial Corp. is set to close on January 1, 2026, aiming to enhance client experience and operational efficiency. Total assets reached $57.7 billion, marking a 9.7% year-over-year increase. *Loans, core deposits, revenues and diluted EPS all up double-digit percentages year-over-year* ATLANTA--(BUSINESS WIRE)--Pinnacle Financial Partners, Inc. (NYSE: PNFP) reported net income per diluted common share of $2.13 for the quarter ended Dec. 31, 2025, for the business of legacy Pinnacle Financial Partners, Inc., compared to net income per diluted common share of $1.91 for the quarter ended Dec. 31, 2024, an increase of approximately 11.5 percent. Net income per diluted common share was $8.07 for the year ended Dec. 31, 2025, compared to net income per diluted common share of $5.96 for the year ended Dec. 31, 2024, an increase of approximately 35.4 percent. After considering the adjustments noted in the table below, net income per diluted common share was $2.24 for the three months ended Dec. 31, 2025, compared to $1.90 for the three months ended Dec. 31, 2024, an increase of 17.9 percent. Net income per diluted common share, adjusted for the items noted in the table below, was $8.37 for the year ended Dec. 31, 2025, compared to net income per diluted common share of $6.89 for the year ended Dec. 31, 2024, an increase of approximately 21.5 percent. **Three months ended** **Year ended** **Dec. 31,** **2025** **Sept. 30,** **2025** **Dec. 31,** **2024** **Dec. 31,** **2025** **Dec. 31,** **2024** Diluted earnings per common share $ 2.13 $ 2.19 $ 1.91 $ 8.07 $ 5.96 Adjustments, net of tax (1): Investment (gains) losses on sales of securities, net 0.04 — (0.01 ) 0.16 0.70 Recognition of mortgage servicing asset — — — — (0.12 ) FDIC special assessment (0.07 ) — — (0.07 ) 0.07 Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — 0.28 Merger-related expenses 0.14 0.08 — 0.21 — Diluted earnings per common share after adjustments $ 2.24 $ 2.27 $ 1.90 $ 8.37 $ 6.89 Numbers may not foot due to rounding. (1): Adjustments include tax effect calculated using a marginal tax rate of 25.00 percent for all periods presented. "One of the most important measures of success for our recent merger with Synovus is our ability to sustain outsized growth momentum," said M. Terry Turner, Pinnacle's chairman and former chief executive officer. "Fourth quarter 2025 results are in and speak for themselves, with double-digit growth in loans, client deposits, revenue and adjusted earnings per share year-over-year. While much work was required to complete the merger so quickly, fourth quarter’s financial results actually represent accelerated growth rates when compared to quarterly growth rates in the first and second quarters of 2025, immediately prior to the deal announcement." **PINNACLE AND SYNOVUS MERGER** The merger of Pinnacle Financial Partners, Inc. (which we may refer to as "legacy Pinnacle") and Synovus Financial Corp. (which we may refer to as "Synovus" or "legacy Synovus") closed on January 1, 2026. The combination creates one of the leading regional banks in the industry, positioned for accelerated growth by marrying the cultures of both banks with Pinnacle’s proven recruiting model and incentive structures and Synovus’ deep talent and capabilities. Integration teams have been working closely together to build the blueprint for Pinnacle’s future. While bankers continue to serve clients and recruit top talent with little to no disruption, others will work behind the scenes to execute as seamless an integration effort as possible. Systems and brand conversions are expected in March 2027. Throughout, the primary goal will be to enhance our client experience. "Pinnacle and Synovus both delivered strong results in 2025, demonstrating our commitment to growth amid the pending merger," said Pinnacle President and CEO Kevin Blair. "Legacy Pinnacle grew diluted EPS by 35% and adjusted diluted EPS by 22%, while legacy Synovus achieved increases of 76% and 28%, respectively. These outcomes reflect our team’s engagement, client focus and dedication to delivering value for shareholders. This momentum positions us for continued success in 2026 and strengthens our capacity to unify both organizations, building on similar legacies and shared values. Both firms prioritize client service, with legacy Pinnacle earning the No. 1 Net Promoter Score in our footprint and legacy Synovus earning No. 3. Pinnacle’s proven operating model remains the foundation of our growth, while Synovus brings extensive expertise, broad reach and operational excellence. Together, we’ll build a bank that combines scale with a clear purpose." **PINNACLE'S BALANCE SHEET GROWTH AND LIQUIDITY:** Total assets at Dec. 31, 2025, were $57.7 billion, an increase of approximately $1.7 billion from Sept. 30, 2025, and $5.1 billion from Dec. 31, 2024, reflecting a linked-quarter annualized increase of 12.5 percent and a year-over-year increase of 9.7 percent. A further analysis of select balance sheet trends follows: **Balances at** **Linked-** **Quarter** **Annualized** **% Change** **Balances at** **Year-over-Year** **% Change** *(dollars in thousands)* **Dec. 31,** **2025** **Sept. 30,** **2025** **Dec. 31,** **2024** Loans $ 39,154,002 37,932,613 12.9 % 35,485,776 10.3 % Securities 9,157,207 9,056,608 4.4 % 8,381,268 9.3 % Other interest-earning assets 3,400,579 3,228,993 21.3 % 3,377,381 0.7 % Total interest-earning assets $ 51,711,788 $ 50,218,214 11.9 % $ 47,244,425 9.5 % Core deposits: Noninterest-bearing deposits $ 9,046,666 $ 8,952,978 4.2 % $ 8,170,448 10.7 % Interest-bearing core deposits(1) 32,880,864 31,860,709 12.8 % 29,876,456 10.1 % Noncore deposits and other funding(2) 7,990,472 7,442,496 29.5 % 7,326,287 9.1 % Total funding $ 49,918,002 $ 48,256,183 13.8 % $ 45,373,191 10.0 % (1): Interest-bearing core deposits are interest-bearing deposits, money market accounts and time deposits less than $250,000 including reciprocating time and money market deposits. (2): Noncore deposits and other funding consists of time deposits greater than $250,000, securities sold under agreements to repurchase, public funds, brokered deposits, FHLB advances and subordinated debt. "We are very pleased with loan growth for the fourth quarter and the momentum we have as a combined firm," said Turner. "Our fourth quarter loan growth of $1.2 billion came in stronger than we anticipated which contributed to the additional provision expense for the quarter. For 2026, we have a lot of opportunities to sustain our strong loan growth. Our growing interest in commercial real estate projects and, as a combined firm, our push to expand our lending verticals across our expanded footprint will both serve to support our loan growth goals. "Year-end 2025 results for deposits also exceeded our expectations with year-over-year core deposits up by 10.2 percent, which was more than the growth range we previously anticipated. Importantly, highly-valued noninterest bearing deposits increased by 10.7 percent in 2025. Again, this has much to do with the success of our treasury management and specialty deposit professionals finishing the year with great momentum which we fully expect to carry well into 2026." **PINNACLE'S PRE-TAX, PRE-PROVISION NET REVENUE (PPNR) GROWTH AND PROFITABILITY:** Pre-tax, pre-provision net revenues (PPNR) for the quarter and year ended Dec. 31, 2025, were $239.5 million and $887.1 million, respectively, compared to $213.4 million and $701.8 million, respectively, recognized in the quarter and year ended Dec. 31, 2024. As noted in the table below, adjusted PPNR for the quarter and year ended Dec. 31, 2025, were $250.4 million and $918.6 million, respectively, compared to $213.2 million and $797.7 million, respectively, recognized in the quarter and year ended Dec. 31, 2024, an increase of 17.4 percent and 15.2 percent. **Three months ended** **Year ended** **December 31,** **December 31,** *(dollars in thousands)* **2025** **2024** **% change** **2025** **2024** **% change** Revenues: Net interest income $ 407,435 $ 363,790 12.0% $ 1,548,261 $ 1,365,590 13.4% Noninterest income 134,769 111,545 20.8% 506,590 371,178 36.5% Total revenues 542,204 475,335 14.1% 2,054,851 1,736,768 18.3% Noninterest expense 302,656 261,897 15.6% 1,167,728 1,034,970 12.8% Pre-tax, pre-provision net revenue 239,548 213,438 12.2% 887,123 701,798 26.4% Adjustments: Investment (gains) losses on sales of securities, net 4,099 (249 ) \>100.0% 16,611 71,854 (76.9)% Recognition of mortgage servicing asset — — NA — (11,812 ) (100.0)% ORE expense 346 58 \>100.0% 687 220 \>100.0% FDIC special assessment (7,500 ) — (100.0)% (7,500 ) 7,250 \>(100.0%) Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — NA — 28,400 (100.0)% Merger-related expenses 13,939 — 100.0% 21,666 — 100.0% Adjusted pre-tax, pre-provision net revenue $ 250,432 $ 213,247 17.4% $ 918,587 $ 797,710 15.2% **Three months ended** **Year ended** **Dec. 31, 2025** **Sept. 30, 2025** **Dec. 31, 2024** **Dec. 31, 2025** **Dec. 31, 2024** Net interest margin 3.27 % 3.26 % 3.22 % 3.24 % 3.16 % Efficiency ratio 55.82 % 55.64 % 55.10 % 56.83 % 59.59 % Return on average assets (1) 1.16 % 1.22 % 1.15 % 1.15 % 0.93 % Return on average tangible common equity (TCE) (1) 13.50 % 14.49 % 13.58 % 13.58 % 11.12 % Average loan to deposit ratio 82.85 % 82.88 % 83.92 % 83.26 % 84.64 % Net interest income for the fourth quarter of 2025 was $407.4 million, compared to $363.8 million for the fourth quarter of 2024, a year-over-year growth rate of 12.0 percent. Net interest margin was 3.27 percent for the fourth quarter of 2025, compared to 3.22 percent for the fourth quarter of 2024. Total revenues for the fourth quarter of 2025 were $542.2 million, compared to $475.3 million for the fourth quarter of 2024, a year-over-year increase of 14.1 percent. **Three months ended** **Linked-quarter** **Annualized %** **Change** **Three months ended** **Yr-over-Yr** **% Change** *(dollars in thousands)* **Dec. 31, 2025** **Sept. 30, 2025** **Dec. 31, 2024** Net interest income $ 407,435 $ 396,865 10.7 % $ 363,790 12.0 % Noninterest income 134,769 147,938 (35.6 )% 111,545 20.8 % Total revenues $ 542,204 $ 544,803 (1.9 )% $ 475,335 14.1 % - Wealth management revenues, which include investment, trust and insurance services, were $36.9 million for the fourth quarter of 2025, compared to $31.2 million for the fourth quarter of 2024, a year-over-year increase of 18.1 percent. The increase in wealth management revenues is primarily attributable to an increase in capacity. Pinnacle continues to hire more wealth-management revenue producers across the firm, particularly in the areas of the firm's most recent market expansions, further showcasing the power of its differentiated model in markets where we have not previously operated. - Income from the firm's investment in Banker's Healthcare Group ("BHG") was $31.3 million for the fourth quarter of 2025, compared to $12.1 million for the fourth quarter of 2024, a sharp year-over-year increase. - BHG's loan originations were $1.7 billion in the fourth quarter of 2025, compared to $1.7 billion in the third quarter of 2025 and $1.2 billion in the fourth quarter of 2024. - Loans sold to BHG's community bank partners were approximately $529 million in the fourth quarter of 2025, compared to $561 million in the third quarter of 2025 and $505 million in the fourth quarter of 2024. - BHG reserves for on-balance sheet loan losses were $376 million, or 11.4 percent of loans held for investment at Dec. 31, 2025, compared to 11.2 percent at Sept. 30, 2025, and 9.3 percent at Dec. 31, 2024. - At Dec. 31, 2025, BHG increased its accrual for estimated losses attributable to loan substitutions and prepayments to $709 million, or 8.6 percent of the unpaid balances on loans that were previously purchased by BHG's community bank network, compared to 7.9 percent at Sept. 30, 2025, and 7.1 percent at Dec. 31, 2024. - Noninterest income categories, other than those specifically noted above, contributed $66.6 million for the quarter ended Dec. 31, 2025, a decrease of $1.7 million from the fourth quarter of 2024. Noninterest expense for the fourth quarter of 2025 was $302.7 million, compared to $261.9 million for the fourth quarter of 2024. As noted in the table below, adjusted noninterest expense for the fourth quarter of 2025 was $295.9 million, compared to $261.8 million in the prior year. **Three months ended** **Linked-quarter** **Annualized** **% Change** **Three months ended** **Yr-over-yr** **% Change** *(dollars in thousands)* **Dec. 31, 2025** **Sept. 30, 2025** **Dec. 31, 2024** Noninterest expense $ 302,656 $ 303,139 (0.6)% $ 261,897 15.6% Less: ORE expense 346 146 \>100.0% 58 \>100.0% FDIC special assessment (7,500 ) — (100.0)% — (100.0)% Merger-related expenses 13,939 7,727 \>100.0% — 100.0% Adjusted noninterest expense $ 295,871 $ 295,266 0.8% $ 261,839 13.0% - Salaries and employee benefits were $181.1 million in the fourth quarter of 2025, compared to $164.7 million in the fourth quarter of 2024, reflecting a year-over-year increase of 10.0 percent. - Cash incentive costs in the fourth quarter of 2025 totaling $26.2 million were approximately $8.3 million lower than the third quarter of 2025. The fourth quarter 2025 accrual assumed a 125 percent of target payout for 2025, reflecting excellent performance for the year. - Equipment and occupancy costs were $52.2 million in the fourth quarter of 2025, compared to $42.8 million in the fourth quarter of 2024, resulting in a year-over-year increase of 22.0 percent. This increase was primarily attributable to the opening of new full-service locations during 2025 and the relocation of the corporate headquarters to a new office during the first quarter of 2025. - Merger-related expenses for the year ended Dec. 31, 2025, were $21.7 million and represent costs associated with our merger with Synovus, which closed on January 1, 2026. "Revenue growth in the fourth quarter was exceptional and provides further evidence that we are active in our markets, while our leadership was also diligently working to advance a successful merger with Synovus," Turner said. "Net interest income for 2025 was up a solid 13.4 percent over the prior year, well within the range we discussed at the end of last quarter. As anticipated, our net interest margin expanded in the fourth quarter to 3.27 percent, up from the 3.26 percent last quarter. Noninterest income in 2025 was up a phenomenal 36.5 percent over last year. Noninterest income, excluding the impact of investment securities net losses and the recognition of a mortgage servicing asset in 2024, was up 21.3 percent from last year, again, well within the range we discussed last quarter as significant contributions from wealth, treasury management, BHG and our other fee businesses contributed greatly to our 2025 success. "As to noninterest expense, excluding the reversal of the FDIC special assessment, merger-related costs and ORE expenses, our 2025 noninterest expense ended the year at $1.153 billion, which was within the range we discussed last quarter. Also, as expected, the final results for our 2025 associate cash incentives ended the year at 125 percent of target which warranted a maximum award to our team members." **PINNACLE'S CAPITAL AND SOUNDNESS:** **As of** **Dec. 31, 2025** **Sept. 30, 2025** **Dec. 31, 2024** Shareholders' equity to total assets 12.2 % 12.3 % 12.2 % Tangible common equity to tangible assets 8.9 % 8.8 % 8.6 % Book value per common share $ 87.90 $ 85.60 $ 80.46 Tangible book value per common share $ 63.71 $ 61.53 $ 56.24 Annualized net loan charge-offs to avg. loans (1) 0.28 % 0.18 % 0.24 % Nonperforming assets to total loans, ORE and other nonperforming assets (NPAs) 0.36 % 0.41 % 0.42 % Classified asset ratio (Pinnacle Bank) (2) 3.52 % 4.16 % 3.79 % Construction and land development loans as a percentage of total capital (3) 57.70 % 59.60 % 70.50 % Construction and land development, non-owner occupied commercial real estate and multi-family loans as a percentage of total capital (3) 221.10 % 218.10 % 242.20 % Allowance for credit losses (ACL) to total loans 1.13 % 1.15 % 1.17 % (1): Annualized net loan charge-offs to average loans ratios are computed by annualizing quarterly net loan charge-offs and dividing the result by average loans for the quarter. (2): Classified assets as a percentage of Tier 1 capital plus allowance for credit losses. (3): Calculated using the same guidelines as are used in the Federal Financial Institutions Examination Council's Uniform Bank Performance Report. "Fourth quarter soundness metrics all remain strong," Turner said. "During the quarter, we determined the need to charge off a nonperforming commercial real estate loan for approximately $16.9 million, of which approximately $10.0 million had been carried in our allowance for loan losses since the first quarter of 2024. This resulted in increased charge-offs in relation to average loans, as well as increased provision expense. However, we are also reporting decreases in nonperforming loans, as well as a slight reduction in our allowance for loan losses in relation to total loans. "Our tangible equity ratio increased to 8.9 percent at Dec. 31, 2025, while our common equity tier one risk-based capital ratio stood at 10.9 percent, up slightly over the course of 2025. Another metric that we remain very proud of is our tangible book value per share which stood at $63.71 per share at Dec. 31, 2025, an increase of 13.3 percent over last year’s result." **WEBCAST AND CONFERENCE CALL INFORMATION** Pinnacle will host a webcast and conference call at 8:30 a.m. ET on January 22, 2026, to discuss legacy Pinnacle's and legacy Synovus' fourth quarter 2025 results and other matters. To access the call for audio only, please call 1-888-506-0062. For the presentation and streaming audio, please access the webcast on the investor relations page of Pinnacle's website at investors.pnfp.com. Pinnacle Financial Partners, Inc. (“Pinnacle”) is a regional bank which provides a full range of banking, investment, trust, mortgage and insurance products and services for commercial and consumer clients who want a comprehensive relationship with their financial institution. The firm joined forces with Synovus in 2026, bringing together more than 160 years of combined banking service. Pinnacle is the largest bank headquartered in Tennessee and the largest bank holding company headquartered in Georgia. The firm is No. 1 in deposit market share in the Nashville MSA and No. 4 in the Atlanta MSA with offices in Tennessee, Georgia, Florida, North Carolina, South Carolina, Alabama, Kentucky, Virginia and Maryland (based on June 30, 2025 FDIC market share data). Pinnacle is an employer of choice for financial services professionals. The firm is No. 9 in FORTUNE magazine’s 2025 list of 100 Best Companies to Work For® in the U.S., its ninth consecutive appearance. Pinnacle was also recognized by American Banker as No. 4 among America’s Best Banks to Work For in 2025, its 13th consecutive year on the list, and No. 1 among banks with more than $10 billion in assets. **FORWARD LOOKING STATEMENTS** This press release and certain of our other filings with the Securities and Exchange Commission contain statements that constitute “forward-looking statements” within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact are forward-looking statements. You can identify these forward-looking statements through Pinnacle's use of words such as “believes,” “anticipates,” “expects,” “may,” “will,” “assumes,” “should,” “predicts,” “could,” “would,” “intends,” “targets,” “estimates,” “projects,” “plans,” “potential” and other similar words and expressions of the future or otherwise regarding the outlook for Pinnacle's future business and financial performance and/or the performance of the banking industry and economy in general. These forward-looking statements include, among others, our expectations regarding the anticipated benefits and risks related to the recently-completed business combination with Synovus Financial Corp., our future operating and financial performance; expectations on our intended strategies, initiatives, and other operational and execution goals; expectations on credit quality and performance; and the assumptions underlying our expectations. Prospective investors are cautioned that any such forward-looking statements are not guarantees of future performance and involve known and unknown risks and uncertainties which may cause the actual results, performance or achievements of Pinnacle to be materially different from the future results, performance or achievements expressed or implied by such forward-looking statements. Forward-looking statements are based on the information known to, and current beliefs and expectations of, Pinnacle's management and are subject to significant risks and uncertainties. Actual results may differ materially from those contemplated by such forward-looking statements. A number of factors could cause actual results to differ materially from those contemplated by the forward-looking statements in this press release. Many of these factors are beyond Pinnacle's ability to control or predict. These forward-looking statements are based upon information presently known to management and are inherently subjective, uncertain and subject to change due to any number of risks and uncertainties, including, without limitation, the risks and other factors set forth in Pinnacle's filings with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the year ended December 31, 2024, under the captions “Cautionary Notice Regarding Forward-Looking Statements” and “Risk Factors” and in Pinnacle's quarterly reports on Form 10-Q, current reports on Form 8-K and other filings and reports filed with the Securities and Exchange Commission. We believe these forward-looking statements are reasonable; however, undue reliance should not be placed on any forward-looking statements, which are based on current expectations and speak only as of the date that they are made. We do not assume any obligation to update any forward-looking statements as a result of new information, future developments or otherwise, except as otherwise may be required by law. **NON-GAAP FINANCIAL MEASURES** This release contains certain non-GAAP financial measures, including, without limitation, total revenues, net income to common shareholders, earnings per diluted common share, revenue per diluted common share, PPNR, efficiency ratio, noninterest expense, noninterest income and the ratio of noninterest expense to average assets, excluding in certain instances the impact of expenses related to other real estate owned, gains or losses on sale of investment securities, charges related to the FDIC special assessment, income associated with the recognition of a mortgage servicing asset in the first quarter of 2024, fees related to terminating an agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives in the second quarter of 2024, merger-related expenses incurred in connection with our combination with Synovus and other matters for the accounting periods presented. This release may also contain certain other non-GAAP capital ratios and performance measures that exclude the impact of goodwill and core deposit intangibles associated with Pinnacle's acquisitions of BNC, Avenue Bank, Magna Bank, CapitalMark Bank & Trust, Mid-America Bancshares, Inc., Cavalry Bancorp, Inc. and other acquisitions which collectively are less material to the non-GAAP measure as well as the impact of Pinnacle's Series B Preferred Stock. The presentation of the non-GAAP financial information is not intended to be considered in isolation or as a substitute for any measure prepared in accordance with GAAP. Because non-GAAP financial measures presented in this release are not measurements determined in accordance with GAAP and are susceptible to varying calculations, these non-GAAP financial measures, as presented, may not be comparable to other similarly titled measures presented by other companies. Pinnacle believes that these non-GAAP financial measures facilitate making period-to-period comparisons and are meaningful indications of its operating performance. In addition, because intangible assets such as goodwill and the core deposit intangible, and the other items excluded each vary extensively from company to company, Pinnacle believes that the presentation of this information allows investors to more easily compare Pinnacle's results to the results of other companies. Pinnacle's management utilizes this non-GAAP financial information to compare Pinnacle's operating performance for 2025 versus certain periods in 2024 and to internally prepared projections. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **CONSOLIDATED BALANCE SHEETS – UNAUDITED** ***(dollars in thousands, except for share and per share data)*** **Dec. 31, 2025** **Sept. 30, 2025** **Dec. 31, 2024** ***ASSETS*** Cash and noninterest-bearing due from banks $ 358,258 $ 295,133 $ 320,320 Restricted cash 91,174 128,830 93,645 Interest-bearing due from banks 3,115,650 2,841,647 3,021,960 Cash and cash equivalents 3,565,082 3,265,610 3,435,925 Securities purchased with agreement to resell 96,395 83,120 66,449 Securities available-for-sale, at fair value 6,566,683 6,411,806 5,582,369 Securities held-to-maturity (fair value of $2.4 billion, $2.4 billion and $2.6 billion, net of allowance for credit losses of $1.7 million, $1.7 million, and $1.7 million at Dec. 31, 2025, Sept. 30, 2025 and Dec. 31, 2024, respectively) 2,590,524 2,644,802 2,798,899 Consumer loans held-for-sale 91,713 163,129 175,627 Commercial loans held-for-sale 5,647 12,267 19,700 Loans 39,154,002 37,932,613 35,485,776 Less allowance for credit losses (441,540 ) (434,450 ) (414,494 ) Loans, net 38,712,462 37,498,163 35,071,282 Premises and equipment, net 339,990 337,552 311,277 Equity method investment 391,946 389,109 436,707 Accrued interest receivable 219,761 218,647 214,080 Goodwill 1,848,904 1,848,904 1,849,260 Core deposits and other intangible assets 29,715 18,108 21,423 Other real estate owned 8,053 5,129 1,278 Other assets 3,239,178 3,067,203 2,605,173 Total assets $ 57,706,053 $ 55,963,549 $ 52,589,449 ***LIABILITIES AND SHAREHOLDERS' EQUITY*** Deposits: Noninterest-bearing $ 9,046,666 $ 8,952,978 $ 8,170,448 Interest-bearing 15,649,061 15,031,854 14,125,194 Savings and money market accounts 17,627,689 17,097,698 16,197,397 Time 5,073,106 4,644,594 4,349,953 Total deposits 47,396,522 45,727,124 42,842,992 Securities sold under agreements to repurchase 316,447 325,573 230,244 Federal Home Loan Bank advances 1,778,329 1,777,003 1,874,134 Subordinated debt and other borrowings 426,704 426,483 425,821 Accrued interest payable 48,250 48,484 55,619 Other liabilities 696,086 802,690 728,758 Total liabilities 50,662,338 49,107,357 46,157,568 Preferred stock, no par value, 10.0 million shares authorized; 225,000 shares non-cumulative perpetual preferred stock, Series B, liquidation preference $225.0 million, issued and outstanding at Dec. 31, 2025, Sept. 30, 2025 and Dec. 31, 2024, respectively 217,126 217,126 217,126 Common stock, par value $1.00; 180.0 million shares authorized; 77.7 million, 77.6 million and 77.2 million shares issued and outstanding at Dec. 31, 2025, Sept. 30, 2025 and Dec. 31, 2024, respectively 77,662 77,558 77,242 Additional paid-in capital 3,144,104 3,141,416 3,129,680 Retained earnings 3,727,788 3,579,862 3,175,777 Accumulated other comprehensive loss, net of taxes (122,965 ) (159,770 ) (167,944 ) Total shareholders' equity 7,043,715 6,856,192 6,431,881 Total liabilities and shareholders' equity $ 57,706,053 $ 55,963,549 $ 52,589,449 This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **CONSOLIDATED STATEMENTS OF INCOME – UNAUDITED** ***(dollars in thousands, except for share and per share data)*** **Three months ended** **Year ended** **Dec. 31, 2025** **Sept. 30, 2025** **Dec. 31, 2024** **Dec. 31, 2025** **Dec. 31, 2024** **Interest income:** Loans, including fees $ 583,740 $ 588,131 $ 557,716 $ 2,288,096 $ 2,221,063 Securities Taxable 64,953 67,158 58,842 260,953 220,666 Tax-exempt 27,483 27,646 24,947 107,463 97,779 Federal funds sold and other 35,279 38,312 42,855 139,120 158,590 Total interest income 711,455 721,247 684,360 2,795,632 2,698,098 **Interest expense:** Deposits 275,008 294,164 287,511 1,127,179 1,203,455 Securities sold under agreements to repurchase 1,501 1,423 1,182 5,172 5,392 FHLB advances and other borrowings 27,511 28,795 31,877 115,020 123,661 Total interest expense 304,020 324,382 320,570 1,247,371 1,332,508 Net interest income 407,435 396,865 363,790 1,548,261 1,365,590 **Provision for credit losses** 34,101 31,939 29,652 107,245 120,589 **Net interest income after provision for credit losses** 373,334 364,926 334,138 1,441,016 1,245,001 **Noninterest income:** Service charges on deposit accounts 18,720 18,290 15,175 71,130 59,394 Investment services 22,340 23,910 19,233 84,391 67,572 Insurance sales commissions 3,142 4,016 2,900 15,525 13,753 Gains on mortgage loans sold, net 1,347 1,828 2,344 7,647 11,136 Investment gains (losses) on sales of securities, net (4,099 ) — 249 (16,611 ) (71,854 ) Trust fees 11,415 10,316 9,098 40,351 33,219 Income from equity method investment 31,297 40,614 12,070 118,343 63,172 Gain on sale of fixed assets 142 — 38 554 2,258 Other noninterest income 50,465 48,964 50,438 185,260 192,528 Total noninterest income 134,769 147,938 111,545 506,590 371,178 **Noninterest expense:** Salaries and employee benefits 181,095 187,001 164,670 721,431 621,031 Equipment and occupancy 52,167 48,910 42,756 195,300 166,002 Other real estate, net 346 146 58 687 220 Marketing and other business development 12,011 7,902 8,168 37,351 26,668 Postage and supplies 3,269 3,401 3,178 13,232 12,049 Amortization of intangibles 1,393 1,398 1,544 5,608 6,254 Merger-related expenses 13,939 7,727 — 21,666 — Other noninterest expense 38,436 46,654 41,523 172,453 202,746 Total noninterest expense 302,656 303,139 261,897 1,167,728 1,034,970 **Income before income taxes** 205,447 209,725 183,786 779,878 581,209 Income tax expense 35,666 36,589 32,527 138,013 106,153 **Net income** 169,781 173,136 151,259 641,865 475,056 Preferred stock dividends (3,798 ) (3,798 ) (3,798 ) (15,192 ) (15,192 ) **Net income available to common shareholders** $ 165,983 $ 169,338 $ 147,461 $ 626,673 $ 459,864 ***Per share information:*** Basic net income per common share $ 2.16 $ 2.20 $ 1.93 $ 8.15 $ 6.01 Diluted net income per common share $ 2.13 $ 2.19 $ 1.91 $ 8.07 $ 5.96 Weighted average common shares outstanding: Basic *76,929,255* *76,904,045* *76,537,040* *76,863,389* *76,460,926* Diluted *77,746,329* *77,310,293* *77,384,742* *77,688,626* *77,131,330* This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY *(Unaudited)*** *(dollars and shares in thousands)* **Preferred** **Stock** **Amount** **Common Stock** **Additional** **Paid-in Capital** **Retained Earnings** **Accumulated Other** **Comp. Income** **(Loss), net** **Total** **Shareholders'** **Equity** **Shares** **Amounts** **Balance at December 31, 2023** $ 217,126 76,767 $ 76,767 $ 3,109,493 $ 2,784,927 $ (152,525 ) $ 6,035,788 Preferred dividends paid ($67.52 per share) — — — — (15,192 ) — (15,192 ) Common dividends paid ($0.88 per share) — — — — (69,014 ) — (69,014 ) Issuance of restricted common shares — 262 262 (262 ) — — — Forfeiture of restricted common shares — (30 ) (30 ) 30 — — — Restricted shares withheld for taxes & related tax benefits — (68 ) (68 ) (5,774 ) — — (5,842 ) Issuance of common stock pursuant to restricted stock unit (RSU) and performance stock unit (PSU) agreements, net of shares withheld for taxes & related tax benefits — 311 311 (14,741 ) — — (14,430 ) Compensation expense for restricted shares, RSUs and PSUs — — — 40,934 — — 40,934 Net income — — — — 475,056 — 475,056 Other comprehensive loss — — — — — (15,419 ) (15,419 ) **Balance at December 31, 2024** $ 217,126 77,242 $ 77,242 $ 3,129,680 $ 3,175,777 $ (167,944 ) $ 6,431,881 **Balance at December 31, 2024** $ 217,126 77,242 $ 77,242 $ 3,129,680 $ 3,175,777 $ (167,944 ) $ 6,431,881 Preferred dividends paid ($67.52 per share) — — — — (15,192 ) — (15,192 ) Common dividends paid ($0.96 per share) — — — — (74,662 ) — (74,662 ) Issuance of restricted common shares — 214 214 (214 ) — — — Forfeiture of restricted common shares — (33 ) (33 ) 33 — — — Restricted shares withheld for taxes & related tax benefits — (69 ) (69 ) (7,612 ) — — (7,681 ) Issuance of common stock pursuant to RSU and PSU agreements, net of shares withheld for taxes & related tax benefits — 308 308 (21,409 ) — — (21,101 ) Compensation expense for restricted shares, RSUs and PSUs — — — 43,626 — — 43,626 Net income — — — — 641,865 — 641,865 Other comprehensive gain — — — — — 44,979 44,979 **Balance at December 31, 2025** $ 217,126 77,662 $ 77,662 $ 3,144,104 $ 3,727,788 $ (122,965 ) $ 7,043,715 This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** ***(dollars in thousands)*** **December** **September** **June** **March** **December** **September** **2025** **2025** **2025** **2025** **2024** **2024** **Balance sheet data, at quarter end:** Commercial and industrial loans $ 16,365,200 15,570,921 14,905,306 14,131,312 13,815,817 12,986,865 Commercial real estate - owner occupied loans 5,215,810 4,904,462 4,744,806 4,594,376 4,388,531 4,264,743 Commercial real estate - investment loans 5,803,480 5,803,851 5,891,694 5,977,583 5,931,420 5,919,235 Commercial real estate - multifamily and other loans 2,337,836 2,284,438 2,393,696 2,360,515 2,198,698 2,213,153 Consumer real estate - mortgage loans 5,518,618 5,373,110 5,163,761 4,977,358 4,914,482 4,907,766 Construction and land development loans 3,241,266 3,389,451 3,412,060 3,525,860 3,699,321 3,486,504 Consumer and other loans 671,792 606,380 593,841 569,742 537,507 530,044 Total loans 39,154,002 37,932,613 37,105,164 36,136,746 35,485,776 34,308,310 Allowance for credit losses (441,540 ) (434,450 ) (422,125 ) (417,462 ) (414,494 ) (391,534 ) Securities 9,157,207 9,056,608 9,066,651 8,718,794 8,381,268 8,293,241 Total assets 57,706,053 55,963,549 54,801,451 54,254,804 52,589,449 50,701,888 Noninterest-bearing deposits 9,046,666 8,952,978 8,640,759 8,507,351 8,170,448 8,229,394 Total deposits 47,396,522 45,727,124 44,999,244 44,479,463 42,842,992 40,954,888 Securities sold under agreements to repurchase 316,447 325,573 258,454 263,993 230,244 209,956 FHLB advances 1,778,329 1,777,003 1,775,470 1,886,011 1,874,134 2,146,395 Subordinated debt and other borrowings 426,704 426,483 426,263 426,042 425,821 425,600 Total shareholders' equity 7,043,715 6,856,192 6,637,237 6,543,142 6,431,881 6,344,258 **Balance sheet data, quarterly averages:** Total loans $ 38,656,655 37,693,158 36,967,754 36,041,530 34,980,900 34,081,759 Securities 9,215,021 9,025,752 8,986,542 8,679,934 8,268,583 8,176,250 Federal funds sold and other 3,606,379 3,360,273 2,854,113 2,958,593 3,153,751 2,601,267 Total earning assets 51,478,055 50,079,183 48,808,409 47,680,057 46,403,234 44,859,276 Total assets 56,705,549 55,213,879 53,824,500 52,525,831 51,166,643 49,535,543 Noninterest-bearing deposits 9,246,937 8,873,147 8,486,681 8,206,751 8,380,760 8,077,655 Total deposits 46,657,794 45,479,133 44,233,628 43,018,951 41,682,341 40,101,199 Securities sold under agreements to repurchase 326,116 287,465 255,662 230,745 223,162 230,340 FHLB advances 1,777,721 1,774,237 1,838,449 1,877,596 2,006,736 2,128,793 Subordinated debt and other borrowings 433,619 433,472 427,805 427,624 427,503 427,380 Total shareholders' equity 6,966,997 6,721,569 6,601,662 6,515,904 6,405,867 6,265,710 **Statement of operations data, for the three months ended:** Interest income $ 711,455 721,247 694,770 668,160 684,360 694,865 Interest expense 304,020 324,382 315,237 303,732 320,570 343,361 Net interest income 407,435 396,865 379,533 364,428 363,790 351,504 Provision for credit losses 34,101 31,939 24,245 16,960 29,652 26,281 Net interest income after provision for credit losses 373,334 364,926 355,288 347,468 334,138 325,223 Noninterest income 134,769 147,938 125,457 98,426 111,545 115,242 Noninterest expense 302,656 303,139 286,446 275,487 261,897 259,319 Income before income taxes 205,447 209,725 194,299 170,407 183,786 181,146 Income tax expense 35,666 36,589 35,759 29,999 32,527 34,455 Net income 169,781 173,136 158,540 140,408 151,259 146,691 Preferred stock dividends (3,798 ) (3,798 ) (3,798 ) (3,798 ) (3,798 ) (3,798 ) Net income available to common shareholders $ 165,983 169,338 154,742 136,610 147,461 142,893 **Profitability and other ratios:** Return on avg. assets (1) 1.16 % 1.22 % 1.15 % 1.05 % 1.15 % 1.15 % Return on avg. equity (1) 9.45 % 10.00 % 9.40 % 8.50 % 9.16 % 9.07 % Return on avg. common equity (1) 9.76 % 10.33 % 9.72 % 8.80 % 9.48 % 9.40 % Return on avg. tangible common equity (1) 13.50 % 14.49 % 13.75 % 12.51 % 13.58 % 13.61 % Common stock dividend payout ratio (14) 11.87 % 12.20 % 12.73 % 15.53 % 14.72 % 16.73 % Net interest margin (2) 3.27 % 3.26 % 3.23 % 3.21 % 3.22 % 3.22 % Noninterest income to total revenue (3) 24.86 % 27.15 % 24.84 % 21.27 % 23.47 % 24.69 % Noninterest income to avg. assets (1) 0.94 % 1.06 % 0.93 % 0.76 % 0.87 % 0.93 % Noninterest exp. to avg. assets (1) 2.12 % 2.18 % 2.13 % 2.13 % 2.04 % 2.08 % Efficiency ratio (4) 55.82 % 55.64 % 56.72 % 59.52 % 55.10 % 55.56 % Avg. loans to avg. deposits 82.85 % 82.88 % 83.57 % 83.78 % 83.92 % 84.99 % Securities to total assets 15.87 % 16.18 % 16.54 % 16.07 % 15.94 % 16.36 % This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **ANALYSIS OF INTEREST INCOME AND EXPENSE, RATES AND YIELDS-UNAUDITED** *(dollars in thousands)* ***Three months ended*** ***Three months ended*** ***December 31, 2025*** ***December 31, 2024*** ***Average*** ***Balances*** ***Interest*** ***Rates/*** ***Yields*** ***Average*** ***Balances*** ***Interest*** ***Rates/*** ***Yields*** ***Interest-earning assets*** Loans (1) (2) $ 38,656,655 $ 583,740 6.11 % $ 34,980,900 $ 557,716 6.42 % Securities Taxable 5,786,264 64,953 4.45 % 4,953,134 58,842 4.73 % Tax-exempt (2) 3,428,757 27,483 3.80 % 3,315,449 24,947 3.58 % Interest-bearing due from banks 3,213,013 29,967 3.70 % 2,819,891 36,135 5.10 % Resell agreements 101,919 2,232 8.69 % 75,583 1,697 8.93 % Federal funds sold — — — % — — — % Other 291,447 3,080 4.19 % 258,277 5,023 7.74 % Total interest-earning assets 51,478,055 $ 711,455 5.62 % 46,403,234 $ 684,360 5.97 % ***Nonearning assets*** Intangible assets 1,872,458 1,870,051 Other nonearning assets 3,355,036 2,893,358 Total assets $ 56,705,549 $ 51,166,643 ***Interest-bearing liabilities*** Interest-bearing deposits: Interest checking 15,119,001 111,685 2.93 % 13,162,542 113,704 3.44 % Savings and money market 17,462,107 118,415 2.69 % 15,654,866 125,760 3.20 % Time 4,829,749 44,908 3.69 % 4,484,173 48,047 4.26 % Total interest-bearing deposits 37,410,857 275,008 2.92 % 33,301,581 287,511 3.43 % Securities sold under agreements to repurchase 326,116 1,501 1.83 % 223,162 1,182 2.11 % Federal Home Loan Bank advances 1,777,721 19,645 4.38 % 2,006,736 23,159 4.59 % Subordinated debt and other borrowings 433,619 7,866 7.20 % 427,503 8,718 8.11 % Total interest-bearing liabilities 39,948,313 304,020 3.02 % 35,958,982 320,570 3.55 % ***Noninterest-bearing deposits*** 9,246,937 — — 8,380,760 — — Total deposits and interest-bearing liabilities 49,195,250 $ 304,020 2.45 % 44,339,742 $ 320,570 2.88 % Other liabilities 543,302 421,034 ***Shareholders' equity*** 6,966,997 6,405,867 Total liabilities and shareholders' equity $ 56,705,549 $ 51,166,643 ***Net*** ***interest*** ***income*** $ 407,435 $ 363,790 Net interest spread (3) 2.60 % 2.42 % Net interest margin (4) 3.27 % 3.22 % *(1) Average balances of nonperforming loans are included in the above amounts.* *(2) Yields computed on tax-exempt instruments on a tax equivalent basis and included $17.2 million of taxable equivalent income for the three months ended Dec. 31, 2025 compared to $12.1 million for the three months ended Dec. 31, 2024. The tax-exempt benefit has been reduced by the projected impact of tax-exempt income that will be disallowed pursuant to IRS Regulations as of and for the then current period presented.* *(3) Yields realized on interest-bearing assets less the rates paid on interest-bearing liabilities. The net interest spread calculation excludes the impact of demand deposits. Had the impact of demand deposits been included, the net interest spread for the three months ended Dec. 31, 2025 would have been 3.16% compared to a net interest spread of 3.09% for the three months ended Dec. 31, 2024.* *(4) Net interest margin is the result of annualized net interest income calculated on a tax equivalent basis divided by average interest-earning assets for the period.* This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **ANALYSIS OF INTEREST INCOME AND EXPENSE, RATES AND YIELDS-UNAUDITED** *(dollars in thousands)* ***Year ended*** ***Year ended*** ***December 31, 2025*** ***December 31, 2024*** ***Average*** ***Balances*** ***Interest*** ***Rates/*** ***Yields*** ***Average*** ***Balances*** ***Interest*** ***Rates/*** ***Yields*** ***Interest-earning assets*** Loans (1) (2) $ 37,347,907 $ 2,288,096 6.23 % $ 33,908,775 $ 2,221,063 6.64 % Securities Taxable 5,631,662 260,953 4.63 % 4,487,037 220,666 4.92 % Tax-exempt (2) 3,346,750 107,463 3.84 % 3,284,099 97,779 3.55 % Interest-bearing due from banks 2,852,913 118,459 4.15 % 2,533,184 132,199 5.22 % Resell agreements 80,272 7,936 9.89 % 285,356 10,669 3.74 % Federal funds sold — — — % — — — % Other 263,872 12,725 4.82 % 254,731 15,722 6.17 % Total interest-earning assets 49,523,376 $ 2,795,632 5.76 % 44,753,182 $ 2,698,098 6.14 % ***Nonearning assets*** Intangible assets 1,869,980 1,871,723 Other nonearning assets 3,187,306 2,821,948 Total assets $ 54,580,662 $ 49,446,853 ***Interest-bearing liabilities*** Interest-bearing deposits: Interest checking 14,524,949 457,226 3.15 % 12,309,946 465,862 3.78 % Savings and money market 16,959,977 491,058 2.90 % 14,928,631 530,100 3.55 % Time 4,667,457 178,895 3.83 % 4,720,595 207,493 4.40 % Total interest-bearing deposits 36,152,383 1,127,179 3.12 % 31,959,172 1,203,455 3.77 % Securities sold under agreements to repurchase 275,292 5,172 1.88 % 219,451 5,392 2.46 % Federal Home Loan Bank advances 1,816,610 82,855 4.56 % 2,113,947 96,602 4.57 % Subordinated debt and other borrowings 430,654 32,165 7.47 % 427,604 27,059 6.33 % Total interest-bearing liabilities 38,674,939 1,247,371 3.23 % 34,720,174 1,332,508 3.84 % ***Noninterest-bearing deposits*** 8,706,694 — — 8,103,652 — — Total deposits and interest-bearing liabilities 47,381,633 $ 1,247,371 2.63 % 42,823,826 $ 1,332,508 3.11 % Other liabilities 496,205 399,183 ***Shareholders' equity*** 6,702,824 6,223,844 Total liabilities and shareholders' equity $ 54,580,662 $ 49,446,853 ***Net*** ***interest*** ***income*** $ 1,548,261 $ 1,365,590 Net interest spread (3) 2.54 % 2.30 % Net interest margin (4) 3.24 % 3.16 % *(1) Average balances of nonperforming loans are included in the above amounts.* *(2) Yields computed on tax-exempt instruments on a tax equivalent basis and included $58.7 million of taxable equivalent income for the year ended Dec. 31, 2025 compared to $47.7 million for the year ended Dec. 31, 2024. The tax-exempt benefit has been reduced by the projected impact of tax-exempt income that will be disallowed pursuant to IRS Regulations as of and for the then current period presented.* *(3) Yields realized on interest-bearing assets less the rates paid on interest-bearing liabilities. The net interest spread calculation excludes the impact of demand deposits. Had the impact of demand deposits been included, the net interest spread for the year ended Dec. 31, 2025 would have been 3.13% compared to a net interest spread of 3.02% for the year ended Dec. 31, 2024.* *(4) Net interest margin is the result of annualized net interest income calculated on a tax equivalent basis divided by average interest-earning assets for the period.* This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** ***(dollars in thousands)*** **December** **September** **June** **March** **December** **September** **2025** **2025** **2025** **2025** **2024** **2024** **Asset quality information and ratios:** Nonperforming assets: Nonaccrual loans $ 133,361 149,683 157,170 171,570 147,825 119,293 ORE and other nonperforming assets (NPAs) 8,089 5,210 4,835 3,656 1,280 823 Total nonperforming assets $ 141,450 154,893 162,005 175,226 149,105 120,116 Past due loans over 90 days and still accruing interest $ 2,870 2,632 4,652 4,337 3,515 3,611 Accruing purchase credit deteriorated loans $ 8,732 9,564 10,344 12,215 13,877 5,715 Net loan charge-offs $ 27,011 16,788 18,737 13,992 20,807 18,348 Allowance for credit losses to nonaccrual loans 331.1 % 290.2 % 268.6 % 243.3 % 280.4 % 328.2 % As a percentage of total loans: Past due accruing loans over 30 days 0.14 % 0.17 % 0.14 % 0.14 % 0.15 % 0.16 % Potential problem loans 0.11 % 0.20 % 0.12 % 0.15 % 0.13 % 0.14 % Allowance for credit losses 1.13 % 1.15 % 1.14 % 1.16 % 1.17 % 1.14 % Nonperforming assets to total loans, ORE and other NPAs 0.36 % 0.41 % 0.44 % 0.48 % 0.42 % 0.35 % Classified asset ratio (Pinnacle Bank) (6) 3.5 % 4.2 % 3.9 % 4.4 % 3.8 % 3.9 % Annualized net loan charge-offs to avg. loans (5) 0.28 % 0.18 % 0.20 % 0.16 % 0.24 % 0.21 % **Interest rates and yields:** Loans 6.11 % 6.29 % 6.26 % 6.24 % 6.42 % 6.75 % Securities 4.21 % 4.41 % 4.44 % 4.30 % 4.27 % 4.58 % Total earning assets 5.62 % 5.83 % 5.82 % 5.79 % 5.97 % 6.27 % Total deposits, including non-interest bearing 2.34 % 2.57 % 2.58 % 2.58 % 2.74 % 3.08 % Securities sold under agreements to repurchase 1.83 % 1.96 % 1.92 % 1.80 % 2.11 % 2.58 % FHLB advances 4.38 % 4.61 % 4.65 % 4.59 % 4.59 % 4.66 % Subordinated debt and other borrowings 7.20 % 7.49 % 7.57 % 7.63 % 8.11 % 5.97 % Total deposits and interest-bearing liabilities 2.45 % 2.68 % 2.70 % 2.70 % 2.88 % 3.19 % **Capital and other ratios (6):** *Pinnacle Financial ratios:* Shareholders' equity to total assets 12.2 % 12.3 % 12.1 % 12.1 % 12.2 % 12.5 % Common equity Tier one 10.9 % 10.8 % 10.7 % 10.7 % 10.8 % 10.8 % Tier one risk-based 11.3 % 11.3 % 11.2 % 11.2 % 11.3 % 11.4 % Total risk-based 13.0 % 12.9 % 13.0 % 13.0 % 13.1 % 13.2 % Leverage 9.6 % 9.6 % 9.5 % 9.5 % 9.6 % 9.6 % Tangible common equity to tangible assets 8.9 % 8.8 % 8.6 % 8.5 % 8.6 % 8.7 % *Pinnacle Bank ratios:* Common equity Tier one 11.1 % 11.5 % 11.5 % 11.5 % 11.6 % 11.7 % Tier one risk-based 11.1 % 11.5 % 11.5 % 11.5 % 11.6 % 11.7 % Total risk-based 12.1 % 12.5 % 12.4 % 12.4 % 12.5 % 12.6 % Leverage 9.4 % 9.8 % 9.7 % 9.7 % 9.8 % 9.8 % Construction and land development loans as a percentage of total capital (17) 57.7 % 59.6 % 61.8 % 65.6 % 70.5 % 68.2 % Non-owner occupied commercial real estate and multi-family as a percentage of total capital (17) 221.1 % 218.1 % 228.6 % 236.4 % 242.2 % 243.3 % This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** ***(dollars in thousands, except per share data)*** **December** **September** **June** **March** **December** **September** **2025** **2025** **2025** **2025** **2024** **2024** **Per share data:** Earnings per common share – basic $ 2.16 2.20 2.01 1.78 1.93 1.87 Earnings per common share - basic, excluding non-GAAP adjustments $ 2.26 2.28 2.01 1.90 1.92 1.87 Earnings per common share – diluted $ 2.13 2.19 2.00 1.77 1.91 1.86 Earnings per common share - diluted, excluding non-GAAP adjustments $ 2.24 2.27 2.00 1.90 1.90 1.86 Common dividends per share $ 0.24 0.24 0.24 0.24 0.22 0.22 Book value per common share at quarter end (7) $ 87.90 85.60 82.79 81.57 80.46 79.33 Tangible book value per common share at quarter end (7) $ 63.71 61.53 58.70 57.47 56.24 55.12 Revenue per diluted common share $ 6.97 7.05 6.53 6.01 6.14 6.08 Revenue per diluted common share, excluding non-GAAP adjustments $ 7.03 7.05 6.53 6.18 6.14 6.08 **Investor information:** Closing sales price of common stock on last trading day of quarter $ 95.41 93.79 110.41 106.04 114.39 97.97 High closing sales price of common stock during quarter $ 101.53 119.63 111.51 126.15 129.87 100.56 Low closing sales price of common stock during quarter $ 84.38 86.13 87.19 99.42 92.95 76.97 Closing sales price of depositary shares on last trading day of quarter $ 25.02 25.14 23.91 24.10 24.23 24.39 High closing sales price of depositary shares during quarter $ 25.28 25.48 24.56 25.25 25.02 24.50 Low closing sales price of depositary shares during quarter $ 24.65 24.08 23.76 24.10 24.23 23.25 **Other information:** Residential mortgage loan sales: Gross loans sold $ 128,057 168,935 192,859 145,645 185,707 209,144 Gross fees (8) $ 2,820 4,424 4,068 3,761 4,360 4,974 Gross fees as a percentage of loans originated 2.20 % 2.62 % 2.11 % 2.58 % 2.35 % 2.38 % Net gain on residential mortgage loans sold $ 1,347 1,828 1,965 2,507 2,344 2,643 Investment gains (losses) on sales of securities, net (13) $ (4,099 ) — — (12,512 ) 249 — Brokerage account assets, at quarter end (9) $ 16,028,270 15,653,343 14,665,349 13,324,592 13,086,359 12,791,337 Trust account managed assets, at quarter end $ 8,475,121 8,233,933 7,664,867 7,293,630 7,061,868 6,830,323 Core deposits (10) $ 41,927,530 40,813,687 39,761,037 40,012,999 38,046,904 35,764,640 Core deposits to total funding (10) 84.0 % 84.6 % 83.8 % 85.0 % 83.9 % 81.8 % Risk-weighted assets $ 46,526,782 45,571,307 44,413,507 43,210,918 41,976,450 40,530,585 Number of offices 141 138 137 136 137 136 Total core deposits per office $ 297,358 295,751 290,227 294,213 277,715 262,975 Total assets per full-time equivalent employee $ 15,558 15,301 15,109 15,092 14,750 14,418 Annualized revenues per full-time equivalent employee $ 580.0 591.0 558.5 522.2 530.4 528.0 Annualized expenses per full-time equivalent employee $ 323.7 328.8 316.8 310.8 292.2 293.4 Number of employees (full-time equivalent) 3,709.0 3,657.5 3,627.0 3,595.0 3,565.5 3,516.5 Associate retention rate (11) 93.2 % 93.0 % 93.4 % 94.3 % 94.5 % 94.6 % This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** **Three months ended** **Year ended** ***(dollars in thousands*, *except per share data)*** **December** **September** **December** **December** **December** **2025** **2025** **2024** **2025** **2024** Net interest income $ 407,435 396,865 363,790 1,548,261 1,365,590 Noninterest income 134,769 147,938 111,545 506,590 371,178 Total revenues 542,204 544,803 475,335 2,054,851 1,736,768 Less: Investment (gains) losses on sales of securities, net 4,099 — (249 ) 16,611 71,854 Recognition of mortgage servicing asset — — — — (11,812 ) Total revenues excluding the impact of adjustments noted above $ 546,303 544,803 475,086 2,071,462 1,796,810 Noninterest expense $ 302,656 303,139 261,897 1,167,728 1,034,970 Less: ORE expense 346 146 58 687 220 FDIC special assessment (7,500 ) — — (7,500 ) 7,250 Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — 28,400 Merger-related expenses 13,939 7,727 — 21,666 — Noninterest expense excluding the impact of adjustments noted above $ 295,871 295,266 261,839 1,152,875 999,100 Pre-tax income $ 205,447 209,725 183,786 779,878 581,209 Provision for credit losses 34,101 31,939 29,652 107,245 120,589 Pre-tax pre-provision net revenue 239,548 241,664 213,438 887,123 701,798 Less: Adjustments noted above 10,884 7,873 (191 ) 31,464 95,912 Adjusted pre-tax pre-provision net revenue (12) $ 250,432 249,537 213,247 918,587 797,710 Noninterest income $ 134,769 147,938 111,545 506,590 371,178 Less: Adjustments noted above 4,099 — (249 ) 16,611 60,042 Noninterest income excluding the impact of adjustments noted above $ 138,868 147,938 111,296 523,201 431,220 Efficiency ratio (4) 55.82 % 55.64 % 55.10 % 56.83 % 59.59 % Less: Adjustments noted above (1.66 )% (1.44 )% 0.01 % (1.17 )% (3.99 )% Efficiency ratio excluding adjustments noted above (4) 54.16 % 54.20 % 55.11 % 55.66 % 55.60 % Total average assets $ 56,705,549 55,213,879 51,166,643 54,580,662 49,446,853 Noninterest income to average assets (1) 0.94 % 1.06 % 0.87 % 0.93 % 0.75 % Less: Adjustments noted above 0.03 % — % — % 0.03 % 0.12 % Noninterest income (excluding adjustments noted above) to average assets (1) 0.97 % 1.06 % 0.87 % 0.96 % 0.87 % Noninterest expense to average assets (1) 2.12 % 2.18 % 2.04 % 2.14 % 2.09 % Less: Adjustments as noted above (0.05 )% (0.06 )% — % (0.03 )% (0.07 )% Noninterest expense (excluding adjustments noted above) to average assets (1) 2.07 % 2.12 % 2.04 % 2.11 % 2.02 % This information is preliminary and based on company data available at the time of the presentation. Numbers may not foot due to rounding. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** **Three months ended** **(dollars in thousands, except per share data)** **December** **September** **June** **March** **December** **September** **2025** **2025** **2025** **2025** **2024** **2024** Net income available to common shareholders $ 165,983 169,338 154,742 136,610 147,461 142,893 Investment (gains) losses on sales of securities, net 4,099 — — 12,512 (249 ) — ORE expense 346 146 137 58 58 56 FDIC special assessment (7,500 ) — — — — — Recognition of mortgage servicing asset — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — Merger-related expenses 13,939 7,727 — — — — Tax effect on above noted adjustments (16) (2,721 ) (1,968 ) (34 ) (3,143 ) 48 (14 ) Net income available to common shareholders excluding adjustments noted above $ 174,146 175,243 154,844 146,037 147,318 142,935 Basic earnings per common share $ 2.16 2.20 2.01 1.78 1.93 1.87 Less: Investment (gains) losses on sales of securities, net 0.05 — — 0.16 (0.01 ) — ORE expense — — — — — — FDIC special assessment (0.10 ) — — — — — Recognition of mortgage servicing asset — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — Merger-related expenses 0.18 0.10 — — — — Tax effect on above noted adjustments (16) (0.03 ) (0.02 ) — (0.04 ) — — Basic earnings per common share excluding adjustments noted above $ 2.26 2.28 2.01 1.90 1.92 1.87 Diluted earnings per common share $ 2.13 2.19 2.00 1.77 1.91 1.86 Less: Investment (gains) losses on sales of securities, net 0.05 — — 0.16 (0.01 ) — ORE expense — — — — — — FDIC special assessment (0.10 ) — — — — — Recognition of mortgage servicing asset — — — — — — Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — — — — — — Merger-related expenses 0.18 0.10 — — — — Tax effect on above noted adjustments (16) (0.02 ) (0.02 ) — (0.04 ) — — Diluted earnings per common share excluding the adjustments noted above $ 2.24 2.27 2.00 1.90 1.90 1.86 Revenue per diluted common share $ 6.97 7.05 6.53 6.01 6.14 6.08 Adjustments due to revenue-impacting items as noted above 0.05 — — 0.16 — — Revenue per diluted common share excluding adjustments due to revenue-impacting items as noted above $ 7.03 7.05 6.53 6.18 6.14 6.08 Book value per common share at quarter end (7) $ 87.90 85.60 82.79 81.57 80.46 79.33 Adjustment due to goodwill, core deposit and other intangible assets (24.19 ) (24.07 ) (24.09 ) (24.10 ) (24.22 ) (24.21 ) Tangible book value per common share at quarter end (7) $ 63.71 61.53 58.70 57.47 56.24 55.12 Equity method investment (15) Fee income from BHG, net of amortization $ 31,297 40,614 26,027 20,405 12,070 16,379 Funding cost to support investment 4,056 5,079 5,205 5,515 4,869 5,762 Pre-tax impact of BHG 27,241 35,535 20,822 14,890 7,201 10,617 Income tax expense at statutory rates (16) 6,810 8,884 5,206 3,723 1,800 2,654 Earnings attributable to BHG $ 20,431 26,651 15,617 11,168 5,401 7,963 Basic earnings per common share attributable to BHG $ 0.27 0.35 0.20 0.15 0.07 0.10 Diluted earnings per common share attributable to BHG $ 0.26 0.34 0.20 0.15 0.07 0.10 This information is preliminary and based on company data available at the time of the presentation. Numbers may not foot due to rounding. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** **Year ended** **(dollars in thousands, except per share data)** **December 31,** **2025** **2024** Net income available to common shareholders $ 626,673 459,864 Investment losses on sales of securities, net 16,611 71,854 ORE expense 687 220 FDIC special assessment (7,500 ) 7,250 Recognition of mortgage servicing asset — (11,812 ) Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — 28,400 Merger-related expenses 21,666 — Tax effect on adjustments noted above (16) (7,866 ) (23,978 ) Net income available to common shareholders excluding adjustments noted above $ 650,271 531,798 Basic earnings per common share $ 8.15 6.01 Less: Investment losses on sales of securities, net 0.22 0.94 ORE expense 0.01 — FDIC special assessment (0.10 ) 0.10 Recognition of mortgage servicing asset — (0.15 ) Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — 0.37 Merger-related expenses 0.28 — Tax effect on above noted adjustments (16) (0.10 ) (0.31 ) Basic earnings per common share excluding adjustments noted above $ 8.46 6.96 Diluted earnings per common share 8.07 5.96 Less: Investment losses on sales of securities, net 0.21 0.93 ORE expense 0.01 — FDIC special assessment (0.10 ) 0.09 Recognition of mortgage servicing asset — (0.15 ) Fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives — 0.37 Merger-related expenses 0.28 — Tax effect on above noted adjustments (16) (0.10 ) (0.31 ) Diluted earnings per common share excluding the adjustments noted above $ 8.37 6.89 Revenue per diluted common share $ 26.45 22.52 Adjustments due to revenue-impacting items as noted above 0.21 0.78 Revenue per diluted common share excluding adjustments due to revenue-impacting items noted above $ 26.66 23.30 Equity method investment (15) Fee income from BHG, net of amortization $ 118,343 63,172 Funding cost to support investment 16,126 19,777 Pre-tax impact of BHG 102,217 43,395 Income tax expense at statutory rates (16) 25,554 10,849 Earnings attributable to BHG $ 76,663 32,546 Basic earnings per common share attributable to BHG $ 1.00 0.43 Diluted earnings per common share attributable to BHG $ 0.99 0.42 This information is preliminary and based on company data available at the time of the presentation. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **RECONCILIATION OF NON-GAAP SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** **Three months ended** **Year ended** ***(dollars in thousands*, *except per share data)*** **December** **September** **December** **December** **December** **2025** **2025** **2024** **2025** **2024** Return on average assets (1) 1.16 % 1.22 % 1.15 % 1.15 % 0.93 % Adjustments as noted above 0.06 % 0.04 % — % 0.04 % 0.15 % Return on average assets excluding adjustments noted above (1) 1.22 % 1.26 % 1.15 % 1.19 % 1.08 % Tangible assets: Total assets $ 57,706,053 55,963,549 52,589,449 $ 57,706,053 52,589,449 Less: Goodwill (1,848,904 ) (1,848,904 ) (1,849,260 ) (1,848,904 ) (1,849,260 ) Core deposit and other intangible assets (29,715 ) (18,108 ) (21,423 ) (29,715 ) (21,423 ) Net tangible assets $ 55,827,434 54,096,537 50,718,766 $ 55,827,434 50,718,766 Tangible common equity: Total shareholders' equity $ 7,043,715 6,856,192 6,431,881 $ 7,043,715 6,431,881 Less: Preferred shareholders' equity (217,126 ) (217,126 ) (217,126 ) (217,126 ) (217,126 ) Total common shareholders' equity 6,826,589 6,639,066 6,214,755 6,826,589 6,214,755 Less: Goodwill (1,848,904 ) (1,848,904 ) (1,849,260 ) (1,848,904 ) (1,849,260 ) Core deposit and other intangible assets (29,715 ) (18,108 ) (21,423 ) (29,715 ) (21,423 ) Net tangible common equity $ 4,947,970 4,772,054 4,344,072 $ 4,947,970 4,344,072 Ratio of tangible common equity to tangible assets 8.86 % 8.82 % 8.57 % 8.86 % 8.57 % Average tangible assets: Average assets $ 56,705,549 55,213,879 51,166,643 $ 54,580,662 49,446,853 Less: Average goodwill (1,848,904 ) (1,848,904 ) (1,846,998 ) (1,849,079 ) (1,846,979 ) Average core deposit and other intangible assets (23,554 ) (18,985 ) (23,054 ) (20,901 ) (24,744 ) Net average tangible assets $ 54,833,091 53,345,990 49,296,591 $ 52,710,682 47,575,130 Return on average assets (1) 1.16 % 1.22 % 1.15 % 1.15 % 0.93 % Adjustment due to goodwill, core deposit and other intangible assets 0.04 % 0.04 % 0.04 % 0.04 % 0.04 % Return on average tangible assets (1) 1.20 % 1.26 % 1.19 % 1.19 % 0.97 % Adjustments as noted above 0.06 % 0.04 % — % 0.04 % 0.15 % Return on average tangible assets excluding adjustments noted above (1) 1.26 % 1.30 % 1.19 % 1.23 % 1.12 % Average tangible common equity: Average shareholders' equity $ 6,966,997 6,721,569 6,405,867 $ 6,702,824 6,223,844 Less: Average preferred equity (217,126 ) (217,126 ) (217,126 ) (217,126 ) (217,126 ) Average common equity 6,749,871 6,504,443 6,188,741 6,485,698 6,006,718 Less: Average goodwill (1,848,904 ) (1,848,904 ) (1,846,998 ) (1,849,079 ) (1,846,979 ) Average core deposit and other intangible assets (23,554 ) (18,985 ) (23,054 ) (20,901 ) (24,744 ) Net average tangible common equity $ 4,877,413 4,636,554 4,318,689 $ 4,615,718 4,134,995 Return on average equity (1) 9.45 % 10.00 % 9.16 % 9.35 % 7.39 % Adjustment due to average preferred shareholders' equity 0.30 % 0.33 % 0.32 % 0.31 % 0.27 % Return on average common equity (1) 9.76 % 10.33 % 9.48 % 9.66 % 7.66 % Adjustment due to goodwill, core deposit and other intangible assets 3.75 % 4.16 % 4.10 % 3.91 % 3.46 % Return on average tangible common equity (1) 13.50 % 14.49 % 13.58 % 13.58 % 11.12 % Adjustments as noted above 0.66 % 0.51 % 0.01 % 0.51 % 1.74 % Return on average tangible common equity excluding adjustments noted above (1) 14.17 % 15.00 % 13.57 % 14.09 % 12.86 % This information is preliminary and based on company data available at the time of the presentation. Numbers may not foot due to rounding. **PINNACLE FINANCIAL PARTNERS, INC. AND SUBSIDIARIES** **SELECTED QUARTERLY FINANCIAL DATA – UNAUDITED** 1\. Ratios are presented on an annualized basis. 2\. Net interest margin is the result of net interest income on a tax equivalent basis divided by average interest earning assets. 3\. Total revenue is equal to the sum of net interest income and noninterest income. 4\. Efficiency ratios are calculated by dividing noninterest expense by the sum of net interest income and noninterest income. 5\. Annualized net loan charge-offs to average loans ratios are computed by annualizing quarter-to-date net loan charge-offs and dividing the result by average loans for the quarter-to-date period. 6\. Capital ratios are calculated using regulatory reporting regulations enacted for such period and are defined as follows: Equity to total assets – End of period total shareholders' equity as a percentage of end of period assets. Tangible common equity to tangible assets - End of period total shareholders' equity less end of period preferred stock, goodwill, core deposit and other intangibles as a percentage of end of period assets less end of period goodwill, core deposit and other intangibles. Leverage – Tier I capital (pursuant to risk-based capital guidelines) as a percentage of adjusted average assets. Tier I risk-based – Tier I capital (pursuant to risk-based capital guidelines) as a percentage of total risk-weighted assets. Total risk-based – Total capital (pursuant to risk-based capital guidelines) as a percentage of total risk-weighted assets. Classified asset - Classified assets as a percentage of Tier 1 capital plus allowance for credit losses. Tier I common equity to risk weighted assets - Tier 1 capital (pursuant to risk-based capital guidelines) less the amount of any preferred stock or subordinated indebtedness that is considered as a component of Tier 1 capital as a percentage of total risk-weighted assets. 7\. Book value per common share computed by dividing total common shareholders' equity by common shares outstanding. Tangible book value per common share computed by dividing total common shareholders' equity, less goodwill, core deposit and other intangibles, by common shares outstanding. 8\. Amounts are included in the statement of income in "Gains on mortgage loans sold, net", net of commissions paid on such amounts. 9\. At fair value, based on information obtained from Pinnacle's third party broker/dealer for non-FDIC insured financial products and services. 10\. Core deposits include all transaction deposit accounts, money market and savings accounts and all certificates of deposit issued in a denomination of less than $250,000. The ratio noted above represents total core deposits divided by total funding, which includes total deposits, FHLB advances, securities sold under agreements to repurchase, subordinated indebtedness and all other interest-bearing liabilities. 11\. Team member retention rate is computed by dividing the number of team members employed at quarter end less the number of team members that have resigned in the last 12 months by the number of team members employed at quarter end. 12\. Adjusted pre-tax, pre-provision net revenue excludes the impact of ORE expenses and income, investment gains and losses on sales of securities, the impact of the FDIC special assessment, the recognition of the mortgage servicing asset, fees related to terminating agreement to resell securities previously purchased and professional fees associated with capital optimization initiatives and merger expenses. 13\. Represents investment gains (losses) on sales and impairments, net occurring as a result of gains or losses incurred as the result of a change in management's intention to sell a bond prior to the recovery of its amortized cost basis. 14\. The dividend payout ratio is calculated as the sum of the annualized dividend rate for dividends paid on common shares divided by the trailing 12-months fully diluted earnings per common share as of the dividend declaration date. 15\. Earnings from equity method investment includes the impact of the funding costs of the overall franchise calculated using the firm's subordinated and other borrowing rates. Income tax expense is calculated using statutory tax rates. 16\. Tax effect calculated using the blended statutory rate of 25.00 percent for all periods. 17\. Calculated using the same guidelines as are used in the Federal Financial Institutions Examination Council's Uniform Bank Performance Report. pnfp-earnings View source version on businesswire.com: https://www.businesswire.com/news/home/20260121165219/en/ **MEDIA:** Joe Bass, 615-743-8219 **INVESTOR RELATIONS:** Jennifer Demba, 404-364-2715 **WEBSITE:** www.pnfp.com Source: Pinnacle Financial Partners, Inc. ### Related Stocks - [PNFP.US - Pinnacle Financial](https://longbridge.com/en/quote/PNFP.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | Pinnacle Financial Partners Inc. Q4 adjusted diluted EPS at USD 1.45, up 16 percent | Pinnacle Financial Partners Inc. reported its Q4 2025 results, showing adjusted diluted earnings per share (EPS) of USD | [Link](https://longbridge.com/en/news/273284247.md) | | AGP Franklin LLC Buys 21,542 Shares of Pinnacle Financial Partners, Inc. $PNFP | AGP Franklin LLC increased its stake in Pinnacle Financial Partners, Inc. (NASDAQ:PNFP) by 99.9% in Q3, acquiring 21,542 | [Link](https://longbridge.com/en/news/273958335.md) | | Pinnacle Financial Partners (PNFP) Gets a Hold from D.A. Davidson | D.A. Davidson analyst Gary Tenner has maintained a Hold rating on Pinnacle Financial Partners (PNFP) with a price target | [Link](https://longbridge.com/en/news/273711415.md) | | What Analysts Are Saying About Pinnacle Finl Partners Stock | In the latest quarter, 11 analysts rated Pinnacle Finl Partners (NYSE:PNFP), showing mixed sentiments. The average 12-mo | [Link](https://longbridge.com/en/news/274036169.md) | | Pinnacle Financial Partners Announces Common Dividend \| PNFP Stock News | Pinnacle Financial Partners, Inc. (NYSE: PNFP) has announced a cash dividend of $0.50 per share, payable on February 27, | [Link](https://longbridge.com/en/news/273754864.md) | --- > **Disclaimer**: This article is for reference only and does not constitute any investment advice.