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Dec 31, 2025
Pinnacle Financial Q4 2025 Earnings Report
Pinnacle Financial reported solid results in Q4 2025 with strong loan growth and adjusted EPS performance.
Key Takeaways
Pinnacle Financial Partners delivered strong Q4 2025 results, supported by continued double-digit loan and deposit growth, a 17% rise in adjusted EPS, and improved noninterest income. The company maintained solid profitability metrics despite elevated funding costs and merger-related expenses.
Diluted earnings per share (EPS) for Q4 2025 was $1.22, an 8% sequential decrease and a 2% year-over-year decrease.
Adjusted diluted EPS for Q4 2025 was $1.45, stable sequentially and up 16% year-over-year.
Net interest income increased by 2% sequentially and 7% year-over-year, reaching $484.577 million.
Total loans grew by 2% sequentially to $44.625 billion, driven by growth in middle market, corporate, and investment banking and specialty lending.
Revenue by Segment
Forward Guidance
Management expects continued strong performance in 2026, supported by the Synovus merger, loan growth, and higher noninterest income contribution.
Positive Outlook
- Merger with Synovus expected to drive scale and growth
- Continued double-digit loan growth forecasted
- Noninterest income momentum from wealth and BHG
- Improved core deposit growth and stability
- Systems integration expected by March 2027
Challenges Ahead
- Funding costs remain elevated
- Charge-offs increased due to one large CRE loan
- Provision expenses rose in Q4
- Merger-related expenses temporarily impact results
- Efficiency ratio slightly worsened QoQ
Historical Earnings Impact
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Avg. Return Before/After Earnings
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