Inferra AI / Company / PNFP
Pinnacle Financial Partners, Inc.
PNFP · Financials
Last earnings Oct 21, 2026
Key results
EPSquarter
$2.07
com Pinnacle Financial Partners announces earnings for second quarter 2026 Diluted earnings per share of $2.07 versus $2.00 in 2Q25 Adjusted diluted earnings per share of $2.50 versus $2.00 in 2Q25 ATLANTA, July 22, 2026 - Pinnacle Financial Partners, Inc.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Conflicting figures recorded for this item — see “Conflicting figures” below.
Net incomequarter
$313 million
Net income available to common shareholders was $313 million, or $2.07 per diluted share in second quarter 2026.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Adjusted net incomequarter
$379 million
Excluding merger-related expenses, investment securities losses and certain other items, adjusted net income available to common shareholders was $379 million, or $2.50 per diluted share.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Non-interest revenuequarter
$247 million
Non-interest revenue was $247 million in second quarter 2026.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Revenuequarter
$270 million
Excluding investment securities losses and certain other items, adjusted non-interest revenue was $270 million.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
31, 2025; (2) Source: S&P Capital IQ; Non-GAAP financial measure; (3) With core plan also subject to certain asset quality governors On Pace for 225-250 New Producers in 2026 6 230 217 250 275 Combined Legacy PNFP-SNV PNFP 2024A 2025A 2026E 2027E 50 74 34 Hiring leads to sustainable, best in class, long-term growth: Revenue Producer Hiring Accelerates in Second Quarter 225-250 250-275 12-14% GROSS NEW HIRES 6-7% TURNOVER RATE 6-7% NET PRODUCER GROWTH 3-6% FROM EXISTING PRODUCERS 9-13% BALANCE SHEET GROWTH - = + = Note: The Legacy PNFP-SNV merger closed on January 1, 2026; (1) Represents new hires or accepted offers July 1-15, 2026.
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
EPSQ2 2026
19%
PERFORMANCE SCOREBOARD 6 MONTHS POST-CLOSE Kevin Blair Chief Executive Officer FINANCIALTEAM CLIENT INTEGRATION 19% Adjusted EPS Accretion(4) vs Pre-Announcement Consensus 12% Annualized Loan Growth YTD(5) vs Combined 94% Revenue Producer Retention(1) Excl.
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
Conflicting figures recorded for this item — see “Conflicting figures” below.
EPSytd
12%
PERFORMANCE SCOREBOARD 6 MONTHS POST-CLOSE Kevin Blair Chief Executive Officer FINANCIALTEAM CLIENT INTEGRATION 19% Adjusted EPS Accretion(4) vs Pre-Announcement Consensus 12% Annualized Loan Growth YTD(5) vs Combined 94% Revenue Producer Retention(1) Excl.
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
Conflicting figures recorded for this item — see “Conflicting figures” below.
IN-LINE revenuequarter
5%
peer median of 5% ON TRACK Systems Conversion Scheduled for 1Q 2027 IN-LINE Revenue & Cost Synergies + Merger Costs Tracking per plan (1) Source: PNFP internal data; retention excludes synergies; (2) Coalition Greenwich Voice of Client 2026 US Commercial Banking Study (Pinnacle Financial Footprint $1 500MM, Q1 2026 R4Q, Banking).
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
AI analysis
Q2 2026 · reported Jul 22, 2026
Based on: Earnings release + Q2 2026 deck + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q2 2026 | Prior qtr | Year ago |
|---|---|---|---|
| EPS | $2.07 | — | — |
| Net income | $313 million | — | — |
| Adjusted net income | $379 million | — | — |
| Non-interest revenue | $247 million | — | — |
| Revenue | $270 million | — | — |
| IN-LINE revenue | 5% | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
(2) For the six months ended June 30, 2026, dividends per share were $ 0.92 for Series A, $ 1.05 for Series B, and $ 33.76 for Series C Preferred Stock.
Event summary
Our second quarter results prove it scales with discipline intact, delivering outsized growth in loans and earnings per share without compromising the culture and client connections that set this firm apart
Based on: Earnings release + Q2 2026 deck + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
(2) For the six months ended June 30, 2026, dividends per share were $ 0.92 for Series A, $ 1.05 for Series B, and $ 33.76 for Series C Preferred Stock.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
Such variables may include, among others, unemployment rates, gross domestic product, commercial and residential property price indices, household debt and financial obligation ratios, and other relevant economic measures.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
During the three months ended June 30, 2026, Pinnacle refined purchase accounting estimates primarily impacting deferred tax assets and other borrowings that resulted in a net increase to preliminary goodwill of approximately $ 1 million.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
Borrowings: The fair values of long-term debt instruments are estimated based on quoted market prices for the instrument if available, or by using discounted cash flow analyses, based on current incremental borrowing rates for similar types of instruments.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
The unaudited pro forma results include the estimated impact of amortizing and accreting certain purchase accounting adjustments such as intangible assets as well as fair value adjustments to loans, borrowings, and owned and leased premises and equipment.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
Note 4 - Securities The amortized cost, gross unrealized gains and losses, and estimated fair values of debt securities at June 30, 2026 and December 31, 2025 are summarized below.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
Strategy & priorities
The team is executing, and with meaningful work still ahead, I am confident our strategy will continue to deliver, today, next quarter and over the long term, said Pinnacle President and CEO Kevin Blair.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Linked-quarter adjusted non-interest revenue declined $12 million from the first quarter, driven by a decrease in income from our equity-method investment in BHG which was the result of an intentional shift in placement strategy by BHG during the quarter.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
, 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.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Adjusted non-interest expense and the adjusted tangible efficiency ratio are measures utilized by management to measure the success of expense management initiatives focused on reducing recurring controllable operating costs.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
)(4) 39% Collateralized 11% Total Deposits: $101B Sector Allocations Other, 3% +6% QoQ 29 Receive-fixed Cash Flow swaps against loans: $2.50B notional Converts floating-rate loan exposure to fixed and locking in net interest margin for down rate protection Interest rate options: ~$8.25B effective notional (as of 4Q26) Cash Flow Floors against floating rate loans Cash Flow Collars against floating rate loans Cash Flow Caps against indexed deposits Cash Flow Derivatives Portfolio Overview Strategy aims to protect margin & minimize capital volatility Next 4 Quarters Strategy 3Q26 4Q26 1Q27 2Q27 Receive-Fixed Swaps (CF) $2.50B $2.50B $2.50B $2.50B Avg.
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
Risks & headwinds
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.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
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.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
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, 2025, 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.
SEC original ↗Pinnacle Financial Partners, Inc. — Earnings release (8-K exhibit)EX-99Jul 22, 2026
Forward-looking statements are based on the information known to, and current beliefs and expectations of, management and are subject to significant risks and uncertainties.
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
These forward-looking statements are based upon information presently known to Pinnacle's 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, 2025 under the captions "Cautionary Notice Regarding Forward-Looking Statements" and "Risk Factors" and in Pinnacle s quarterly reports on Form 10-Q and current reports on Form 8-K.
SEC original ↗Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit)EX-99Jul 22, 2026
Legal Proceedings 68 Item 1A.
SEC original ↗Pinnacle Financial Partners, Inc. — 10-Q Quarterly report10-QAug 4, 2026
Conflicting figures
EPS
$2.07
“com Pinnacle Financial Partners announces earnings for second quarter 2026 Diluted earnings per share of $2.07 versus $2.00 in 2Q25 Adjusted diluted earnings per share of $2.50 versus $2.00 in 2Q25 ATLANTA, July 22, 2026 - Pinnacle Financial Partners, Inc.”
19%
“PERFORMANCE SCOREBOARD 6 MONTHS POST-CLOSE Kevin Blair Chief Executive Officer FINANCIALTEAM CLIENT INTEGRATION 19% Adjusted EPS Accretion(4) vs Pre-Announcement Consensus 12% Annualized Loan Growth YTD(5) vs Combined 94% Revenue Producer Retention(1) Excl.”
12%
“PERFORMANCE SCOREBOARD 6 MONTHS POST-CLOSE Kevin Blair Chief Executive Officer FINANCIALTEAM CLIENT INTEGRATION 19% Adjusted EPS Accretion(4) vs Pre-Announcement Consensus 12% Annualized Loan Growth YTD(5) vs Combined 94% Revenue Producer Retention(1) Excl.”
Earnings deck slides
1 deck with slide viewPinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Pinnacle Financial Partners, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
16 documentsEarnings releases
10 documentsPresentations
3 documents
Transcripts
0 documentsNo transcripts for Pinnacle Financial Partners, Inc. are held in this edition of the library.
Mentioned by
5 companiesOther tracked companies whose held documents mention Pinnacle Financial Partners, Inc. by name or ticker. A mention is counted once per document, from the document text the library holds.
Fox Corporation (Class A) (FOXA)
“e to common shareholders $ 364 $ 313 $ 51 16 % $ 169 $ 195… …[email protected] Pinnacle Financial Partners announces earnings for third quarter 2026 Diluted earnings per share of $2.40 versus $2.19 in 3Q25 Adjusted diluted earnings per sha”
“ to Common (Adjusted) Adjusted Items Common Dividend RWA Growth (1) Note: The Legacy PNFP-SNV merger closed on January 1, 2026 and all purchase… …include the following: adjusted net income available to common shareholders; adjusted diluted earni”
“ble to common shareholders $ 313 $ 135 $ 178 131 % $ 155 $… …[email protected] Pinnacle Financial Partners announces earnings for second quarter 2026 Diluted earnings per share of $2.07 versus $2.00 in 2Q25 Adjusted diluted earnings per sh”
“ly due to lower non-client… … Hiring Momentum Accelerates in 2Q26 225-250 250-275 Source: PNFP internal data; Note: The PNFP-SNV merger closed on January 1, 2026; (1) Revenue producer hires are as of May 31, 2026 50 98 1Q26 2026 YTD (1)… …"plans," "p”
“ter highlighted by: ◦ A significant expansion agreement through the merger of Synovus and Pinnacle Financial Partners with the combined entity utilizing our commercial digital… …balanced growth and profitability while prioritizing effective capital a”
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