Pinnacle Financial Partn Pref Share 6.75 Perp 09/01/25 B | 10-Q: FY2025 Q2 Revenue: USD 694.77 M

Revenue: As of FY2025 Q2, the actual value is USD 694.77 M.

EPS: As of FY2025 Q2, the actual value is USD 2.

EBIT: As of FY2025 Q2, the actual value is USD 194.3 M.

Commercial Real Estate - Owner Occupied: $4,744.8 million as of June 30, 2025, compared to $4,388.5 million as of December 31, 2024.
Commercial Real Estate - Non-Owner Occupied: $8,285.4 million as of June 30, 2025, compared to $8,130.1 million as of December 31, 2024.
Consumer Real Estate - Mortgage: $5,163.8 million as of June 30, 2025, compared to $4,914.5 million as of December 31, 2024.
Construction and Land Development: $3,412.1 million as of June 30, 2025, compared to $3,699.3 million as of December 31, 2024.
Commercial and Industrial: $14,905.3 million as of June 30, 2025, compared to $13,815.8 million as of December 31, 2024.
Consumer and Other: $593.8 million as of June 30, 2025, compared to $537.5 million as of December 31, 2024.

Net Income: $158.5 million for the three months ended June 30, 2025, compared to $53.2 million for the same period in 2024.
Operating Profit: $194.3 million for the three months ended June 30, 2025, compared to $65.0 million for the same period in 2024.
Operating Costs: $286.4 million for the three months ended June 30, 2025, compared to $271.4 million for the same period in 2024.

Operating Cash Flow: $240.0 million for the six months ended June 30, 2025, compared to $283.0 million for the same period in 2024.

Investment Services Revenue: $19.3 million for the three months ended June 30, 2025, compared to $15.7 million for the same period in 2024.
Insurance Sales Commissions: $3.7 million for the three months ended June 30, 2025, compared to $3.7 million for the same period in 2024.
Income from Equity Method Investment: $26.0 million for the three months ended June 30, 2025, compared to $18.7 million for the same period in 2024.

Growth Targets: Pinnacle Financial aims to continue expanding its loan portfolio and increasing its market share in the Southeast region of the United States.
Margin Improvement: The company plans to enhance its net interest margin by better matching deposit rates with changes in the short-term rate environment.
Market Expansion: Pinnacle Financial is focused on growing and retaining low-cost core deposits and large, uninsured deposits.

Divestitures: Pinnacle Financial is considering the sale of investment securities in a loss position before their value recovers, as part of its asset liability management strategies or in response to liquidity needs.
Emerging Segments: The company is exploring expansion into new geographic or product markets, including potential future acquisitions.
Exploratory Efforts: Pinnacle Financial is assessing the impact of the proposed merger with Synovus Financial Corp. and the integration of their respective businesses and operations.

Concrete Projections: The completion of the merger with Synovus Financial Corp. is subject to customary conditions, including regulatory approvals and shareholder votes.
Quantitative Indicators: The merger agreement provides that Pinnacle Financial and Synovus will each simultaneously merge with and into Newco, with Newco continuing as the surviving corporation.