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Pinnacle Financial Partners (PNFB) investor relations material

Pinnacle Financial Partners Q3 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 2025 earnings summary16 Oct, 2025

Executive summary

  • Achieved one of the best quarters in company history, with double-digit year-over-year growth in EPS, revenue, and core deposits, and continued a long streak of beat-and-raise results.

  • Loans and deposits grew strongly, with annualized linked-quarter increases of 8.9% and 11.3% in Q3 2025, and year-over-year loan growth of 10.6%.

  • Net interest income and margin expanded, with NIM at 3.26% in Q3 2025 and net interest income up 18.3% annualized from the previous quarter.

  • Credit performance remained robust, with net charge-offs at 0.18% annualized and allowance for credit losses at 1.15% of loans.

  • The Synovus merger is progressing well, with key leadership and system decisions finalized and closing expected in Q1 2026.

Financial highlights

  • End-of-period loans reached $37.9B, up 10.6% year-over-year; total deposits were $45.7B, up 15.5% year-over-year.

  • Q3 2025 net interest income was $396.9 million, up 12.9% year-over-year; net interest margin expanded to 3.26%.

  • Noninterest income rose 28.4% year-over-year, driven by wealth management and BHG investment income.

  • Adjusted noninterest expense increased 13.9% year-over-year, reflecting higher headcount and incentive accruals.

  • Tangible book value per share grew 11.6% year-over-year to $61.53.

Outlook and guidance

  • 2025 end-of-period loan growth guidance raised to 9%-10% over 2024; deposit growth outlook increased to 8%-10%.

  • Net interest income growth forecast increased to 13%-14% year-over-year; fee income growth expected at 20%-22%.

  • Expense guidance (excluding ORE and merger costs) set at $1.15-$1.155 billion for 2025; effective tax rate expected in low 18% range.

  • Net charge-offs expected to remain in the 0.18%-0.20% range; provision for loan losses at 0.26%-0.27% of average loans.

  • Merger with Synovus projected to deliver significant cost and revenue synergies, with $250 million in estimated cost savings.

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Frequently asked questions

Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services in the United States. The company offers deposit products, including checking accounts, savings accounts, money market accounts, individual retirement accounts, certificates of deposit, and time deposits; and loan products, including residential mortgage loans and commercial real estate loans. It primarily makes residential mortgages to individual borrowers primarily on a purchase-money basis through internal loan production offices in severeal cities across the US. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Nashville, Tennessee.

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