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Mar 31, 2025
Pinnacle Financial Q1 2025 Earnings Report
Pinnacle Financial posted strong Q1 2025 results with notable loan and deposit growth.
Key Takeaways
PNFP delivered solid Q1 2025 results with year-over-year gains in EPS and revenue, driven by strong loan and deposit growth amid economic uncertainty.
Adjusted EPS rose to $1.90 from $1.53 last year
Net income reached $136.6 million for the quarter
Loans grew 9.0% year-over-year to $36.1 billion
Noninterest-bearing deposits grew at a 16.5% annualized rate
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Management reiterated their 2025 guidance for 8–11% loan growth and expressed confidence in deposit momentum.
Positive Outlook
- Strong pipeline for revenue producers
- Loan growth on track to meet 2025 targets
- Continued market expansion through hiring
- Robust balance sheet growth
- Improved net interest margin performance
Challenges Ahead
- Economic uncertainty could impact asset quality
- Volatility in securities losses may continue
- Higher noninterest expenses driven by expansion
- Dependence on hiring to sustain growth
- Continued inflationary and policy-related headwinds
Historical Earnings Impact
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Avg. Return Before/After Earnings
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