Pinnacle (PNFP) Q3 2025 Earnings Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 22 2026
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Should l Buy PNFP?
Source: NASDAQ.COM
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Analyst Views on PNFP
Wall Street analysts forecast PNFP stock price to rise
16 Analyst Rating
11 Buy
5 Hold
0 Sell
Moderate Buy
Current: 98.660
Low
95.00
Averages
113.53
High
135.00
Current: 98.660
Low
95.00
Averages
113.53
High
135.00
About PNFP
Pinnacle Financial Partners, Inc. is a bank holding company. It provides a full range of banking, investment, trust, mortgage and insurance products and services for commercial and consumer clients who want a comprehensive relationship with their financial institution. The Bank operates offices in Tennessee, Georgia, Florida, North Carolina, South Carolina, Alabama, Kentucky, Virginia and Maryland. It provides a full range of banking services, including investment, mortgage, insurance, and comprehensive wealth management services, in several primarily urban markets and their surrounding communities. Its products and services include lending services, deposit services, investment, trust and insurance services, M&A advisory and securities offering services, and other banking services. It offers a full range of lending products, including commercial, real estate and consumer loans to individuals, businesses and professional entities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Pinnacle Financial Executives to Attend Morgan Stanley Financial Conference
- Executives at Conference: Pinnacle Financial's President and CEO Kevin Blair, along with CFO Jamie Gregory, will participate in the Morgan Stanley US Financials Conference on June 9, 2026, at 2:30 PM, highlighting the company's leadership in the financial services sector.
- Webcast Availability: The event will be webcasted on Pinnacle's investor relations website, and for those unable to view it live, an archive will be available for 12 months post-event, ensuring broad dissemination and transparency of information.
- Asset Size and Market Position: Pinnacle Financial is a regional bank with $123 billion in assets, ranking first in deposit market share in the Nashville MSA and fourth in the Atlanta MSA, demonstrating its strong influence in the southern market.
- Employer Reputation: In 2026, Pinnacle was ranked 12th in Fortune's 100 Best Companies to Work For, marking its 10th consecutive appearance, which underscores its reputation as a top employer for financial services professionals, further attracting top talent.
See More
Pinnacle Financial Partners Appoints New Chief Security Officer
- Leadership Transition: Pinnacle Financial Partners has appointed Douglas Hromco as the new Chief Security Officer, succeeding Kevin Gowen, who retired after 30 years at Synovus Financial, with Hromco tasked to lead enterprise cybersecurity, fraud prevention, and information security strategies to ensure robust post-merger growth.
- Extensive Experience: Hromco brings over 25 years of cybersecurity and risk management experience in financial services, having most recently served as a managing director at Accenture, where he advised boards and executive teams on cybersecurity strategy and regulatory readiness, showcasing his leadership capabilities in complex financial institutions.
- Strategic Importance: This appointment comes in the context of Pinnacle's merger with Synovus, creating a $123 billion regional bank, making Hromco's role crucial for maintaining client trust and supporting company growth, especially amid rapidly evolving cyber threats.
- Cultural Fit: Hromco emphasizes the company's culture of shared accountability and strong partnerships, stating that he will leverage the expertise of the security teams to support the company's growth while ensuring the safety of client information and the firm itself, reflecting a commitment to client trust.
See More
Pinnacle Financial Expands into Auburn, Alabama
- Market Expansion Strategy: Pinnacle Financial Partners has appointed Martee Moseley as a financial advisor and market executive to lead the firm's expansion into Auburn, Alabama, marking its first entry into this market and furthering its strategic focus on high-growth Southeastern communities.
- Team Building: Moseley will be joined by financial advisor assistant Terri Porter and local commercial banker Walker Wise to form a team expected to offer a full suite of financial products and services, enhancing client experience and strengthening market competitiveness.
- Experienced Leadership: With over 26 years in financial services, Moseley previously served as market president at MAX Credit Union, and her deep client relationships and industry reputation position her to effectively build a high-performing team and drive Pinnacle's success in the new market.
- Advantages from Merger: The merger with Synovus provides Pinnacle with extensive market reach throughout Alabama, and by leveraging a model that recruits local talent, it is expected to further enhance market share and client service capabilities in the region.
See More
Pinnacle Expands into Auburn, Alabama with Martee Moseley
- Market Expansion: Pinnacle Financial Partners has appointed Martee Moseley as market executive in Auburn, Alabama, marking the firm's first entry into this market, with plans to build a high-performing team by recruiting experienced local leaders, thereby enhancing its market share in high-growth Southeastern communities.
- Team Development: Moseley will start with one financial advisor and one assistant, with expectations to offer a full suite of financial products and services; work is underway to secure a temporary location, with a permanent site anticipated to open within 18-24 months to meet local client needs.
- Leadership Experience: With over 26 years in financial services, Moseley previously served as market president at MAX Credit Union, where she led business development and managed a commercial portfolio, and her deep relationships and strong reputation will provide robust support for establishing Pinnacle in the new market.
- Merger Advantages: The merger with Synovus significantly expands Pinnacle's market reach throughout Alabama, successfully capturing substantial market share in various cities by leveraging a model that recruits top local talent to offer clients unmatched service and resources unavailable at other banks.
See More
Pinnacle Financial Partners Q1 Results Exceed Expectations
- Significant Revenue Growth: Pinnacle Financial Partners reported Q1 sales of $1.22 billion, a remarkable 149% year-over-year increase, surpassing analyst expectations of $1.21 billion, indicating strong market performance post-merger.
- Improved Profitability: The non-GAAP earnings per share reached $2.39, exceeding the consensus estimate of $2.32 by 2.8%, reflecting the company's success in organic loan and core deposit growth.
- Smooth Merger Integration: Management highlighted the rapid integration with Synovus, with operational conversion expected to be completed by early 2027, ensuring client satisfaction and minimizing disruption, thereby strengthening market position.
- Strong Hiring Momentum: The addition of 50 experienced revenue producers in Q1, a 22% increase from the previous quarter, has fueled broad-based growth in loans and deposits, showcasing the company's competitive edge in talent acquisition.
See More
Pinnacle Financial Partners Expands Team to Drive Growth Amid Economic Challenges
- Significant Recruitment Progress: Pinnacle Financial Partners successfully hired 50 revenue-producing team members in Q1 2026, moving towards its goal of 225-250 hires this year, indicating sustained momentum in talent acquisition that enhances its market competitiveness.
- Experienced Team Members: The new hires bring an average of over 18 years of financial services experience from renowned banks like Chase and Wells Fargo, which not only boosts the firm's expertise but also enhances service quality for clients.
- Successful Cultural Integration: Following its merger with Synovus, Pinnacle emphasizes the importance of maintaining its internal culture, with CEO Kevin Blair highlighting that team recruitment and retention are central to the company's growth model, ensuring a smooth transition post-merger and future growth potential.
- Increased Market Attractiveness: Ranked as the 12th Best Company to Work For in America in 2026, Pinnacle is expected to attract more top financial talent, further solidifying its leadership position in the financial services industry.
See More
Pinnacle Financial Executives to Attend Morgan Stanley Financial Conference
- Executives at Conference: Pinnacle Financial's President and CEO Kevin Blair, along with CFO Jamie Gregory, will participate in the Morgan Stanley US Financials Conference on June 9, 2026, at 2:30 PM, highlighting the company's leadership in the financial services sector.
- Webcast Availability: The event will be webcasted on Pinnacle's investor relations website, and for those unable to view it live, an archive will be available for 12 months post-event, ensuring broad dissemination and transparency of information.
- Asset Size and Market Position: Pinnacle Financial is a regional bank with $123 billion in assets, ranking first in deposit market share in the Nashville MSA and fourth in the Atlanta MSA, demonstrating its strong influence in the southern market.
- Employer Reputation: In 2026, Pinnacle was ranked 12th in Fortune's 100 Best Companies to Work For, marking its 10th consecutive appearance, which underscores its reputation as a top employer for financial services professionals, further attracting top talent.
See More
Pinnacle Financial Partners Appoints New Chief Security Officer
- Leadership Transition: Pinnacle Financial Partners has appointed Douglas Hromco as the new Chief Security Officer, succeeding Kevin Gowen, who retired after 30 years at Synovus Financial, with Hromco tasked to lead enterprise cybersecurity, fraud prevention, and information security strategies to ensure robust post-merger growth.
- Extensive Experience: Hromco brings over 25 years of cybersecurity and risk management experience in financial services, having most recently served as a managing director at Accenture, where he advised boards and executive teams on cybersecurity strategy and regulatory readiness, showcasing his leadership capabilities in complex financial institutions.
- Strategic Importance: This appointment comes in the context of Pinnacle's merger with Synovus, creating a $123 billion regional bank, making Hromco's role crucial for maintaining client trust and supporting company growth, especially amid rapidly evolving cyber threats.
- Cultural Fit: Hromco emphasizes the company's culture of shared accountability and strong partnerships, stating that he will leverage the expertise of the security teams to support the company's growth while ensuring the safety of client information and the firm itself, reflecting a commitment to client trust.
See More
Pinnacle Financial Expands into Auburn, Alabama
- Market Expansion Strategy: Pinnacle Financial Partners has appointed Martee Moseley as a financial advisor and market executive to lead the firm's expansion into Auburn, Alabama, marking its first entry into this market and furthering its strategic focus on high-growth Southeastern communities.
- Team Building: Moseley will be joined by financial advisor assistant Terri Porter and local commercial banker Walker Wise to form a team expected to offer a full suite of financial products and services, enhancing client experience and strengthening market competitiveness.
- Experienced Leadership: With over 26 years in financial services, Moseley previously served as market president at MAX Credit Union, and her deep client relationships and industry reputation position her to effectively build a high-performing team and drive Pinnacle's success in the new market.
- Advantages from Merger: The merger with Synovus provides Pinnacle with extensive market reach throughout Alabama, and by leveraging a model that recruits local talent, it is expected to further enhance market share and client service capabilities in the region.
See More
Pinnacle Expands into Auburn, Alabama with Martee Moseley
- Market Expansion: Pinnacle Financial Partners has appointed Martee Moseley as market executive in Auburn, Alabama, marking the firm's first entry into this market, with plans to build a high-performing team by recruiting experienced local leaders, thereby enhancing its market share in high-growth Southeastern communities.
- Team Development: Moseley will start with one financial advisor and one assistant, with expectations to offer a full suite of financial products and services; work is underway to secure a temporary location, with a permanent site anticipated to open within 18-24 months to meet local client needs.
- Leadership Experience: With over 26 years in financial services, Moseley previously served as market president at MAX Credit Union, where she led business development and managed a commercial portfolio, and her deep relationships and strong reputation will provide robust support for establishing Pinnacle in the new market.
- Merger Advantages: The merger with Synovus significantly expands Pinnacle's market reach throughout Alabama, successfully capturing substantial market share in various cities by leveraging a model that recruits top local talent to offer clients unmatched service and resources unavailable at other banks.
See More
Pinnacle Financial Partners Q1 Results Exceed Expectations
- Significant Revenue Growth: Pinnacle Financial Partners reported Q1 sales of $1.22 billion, a remarkable 149% year-over-year increase, surpassing analyst expectations of $1.21 billion, indicating strong market performance post-merger.
- Improved Profitability: The non-GAAP earnings per share reached $2.39, exceeding the consensus estimate of $2.32 by 2.8%, reflecting the company's success in organic loan and core deposit growth.
- Smooth Merger Integration: Management highlighted the rapid integration with Synovus, with operational conversion expected to be completed by early 2027, ensuring client satisfaction and minimizing disruption, thereby strengthening market position.
- Strong Hiring Momentum: The addition of 50 experienced revenue producers in Q1, a 22% increase from the previous quarter, has fueled broad-based growth in loans and deposits, showcasing the company's competitive edge in talent acquisition.
See More
Pinnacle Financial Partners Expands Team to Drive Growth Amid Economic Challenges
- Significant Recruitment Progress: Pinnacle Financial Partners successfully hired 50 revenue-producing team members in Q1 2026, moving towards its goal of 225-250 hires this year, indicating sustained momentum in talent acquisition that enhances its market competitiveness.
- Experienced Team Members: The new hires bring an average of over 18 years of financial services experience from renowned banks like Chase and Wells Fargo, which not only boosts the firm's expertise but also enhances service quality for clients.
- Successful Cultural Integration: Following its merger with Synovus, Pinnacle emphasizes the importance of maintaining its internal culture, with CEO Kevin Blair highlighting that team recruitment and retention are central to the company's growth model, ensuring a smooth transition post-merger and future growth potential.
- Increased Market Attractiveness: Ranked as the 12th Best Company to Work For in America in 2026, Pinnacle is expected to attract more top financial talent, further solidifying its leadership position in the financial services industry.
See More
