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Sep 30, 2025
Pinnacle Financial Q3 2025 Earnings Report
Pinnacle Financial delivered strong third-quarter results driven by loan growth, margin expansion, and contributions from BHG.
Key Takeaways
Pinnacle Financial exceeded expectations in Q3 2025 with rising EPS, robust revenue growth, and strong loan performance. The firm also maintained sound credit metrics and advanced its merger plans with Synovus.
Reported EPS of $2.19 and adjusted EPS of $2.27.
Total revenue reached $544800000, supported by strong growth in noninterest income.
Net income was $169338000, driven by commercial loan expansion and margin gains.
The merger with Synovus is on track for completion in early Q1 2026.
Revenue by Segment
Forward Guidance
Management anticipates continued margin expansion and loan growth heading into Q4, with the merger expected to unlock further revenue potential in early 2026.
Positive Outlook
- Net interest margin expected to improve in Q4 2025.
- Loan growth outlook remains strong, especially in commercial segments.
- Hiring momentum and associate retention are high.
- Synovus merger expected to bring $250M in cost synergies.
- Noninterest income expected to benefit from BHG and treasury services.
Challenges Ahead
- Increased incentive accruals raise expenses.
- Merger-related costs added $7.7M to Q3 expenses.
- BHG’s reserve rates on loans remain elevated.
- Noninterest income slightly offset by mortgage loan gains decline.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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