PNFP Pinnacle Financial Partners, Inc.
Price Chart
Executive Summary
Pinnacle Financial Partners reported Q1 2026 diluted EPS of $0.89, missing the prior-year $1.77 due to $275M in merger-related costs from the Synovus integration. Adjusted EPS of $2.39 beat expectations, driven by strong loan and deposit growth and a 26 basis point net interest margin expansion to 3.53%. The combined entity achieved $85.2B in loans and $100.1B in deposits.
Actionable Insight
The strong adjusted EPS beat and margin expansion signal successful integration momentum; monitor upcoming quarters for sustained cost synergy realization and loan growth trends.
Key Facts
- Diluted EPS of $0.89 (reported) vs $1.77 in 1Q25
- Adjusted diluted EPS of $2.39, up 26% YoY
- Merger-related expenses totaled $275.4 million in 1Q26
- Period-end loans grew to $85.2 billion, deposits to $100.1 billion
- Net interest margin expanded 26 basis points to 3.53%
- Credit quality remained strong with NCO ratio of 0.23% and NPA ratio of 0.58%
Financial Impact
Adjusted net income of $362.7 million, or $2.39 per diluted share, significantly above reported $134.7 million due to merger costs
Risk Factors
- Merger integration complexity and timing
- Credit quality deterioration in senior housing relationships
Market Snapshot
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0002082866-26-000039 |
| Exhibit: exhibit992filing_present.htm | 0002082866-26-000039 |
| Document: pnfp-20260422.htm | 0002082866-26-000039 |
| Document: 0002082866-26-000039-index-headers.html | 0002082866-26-000039 |
| Document: 0002082866-26-000039-index.html | 0002082866-26-000039 |
| Document: 0002082866-26-000039.txt | 0002082866-26-000039 |
| 8-K Data (Synthetic) | 0002082866-26-000039 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
Jun 8, 2026
4d ago
|
8-K
| $25.53 awaiting T+5 | awaiting T+5 | — | $96.36 (+277.44%) |
|
May 19, 2026
24d ago
|
8-K
| $25.64 $25.69 | ▲ +0.20% | ▼ −1.61% | $96.36 (+275.82%) |
|
May 14, 2026
29d ago
|
8-K
| $25.61 $25.66 | ▲ +0.21% | ▼ −0.75% | $96.36 (+276.33%) |
|
May 12, 2026
4w ago
|
8-K
| $25.73 $25.68 | ▼ −0.19% | ▼ −0.27% | $96.36 (+274.50%) |
|
Apr 22, 2026
7w ago
|
8-K
| $25.76 $25.64 | ▼ −0.47% | ▼ −1.94% | $96.36 (+274.07%) |
|
Apr 9, 2026
9w ago
|
DEFA14A
| $25.73 $25.69 | ▼ −0.16% | ▼ −3.34% | $96.36 (+274.50%) |
US Market Status
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