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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.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 end-of-period loans up 10.6% year-over-year to $37.9B and deposits up 15.5% to $45.7B, driven by strategic expansion and market share gains in Southeast markets.
Net interest income and margin expanded, with NIM at 3.26% in Q3 2025 and net interest income up 12.9% year-over-year.
The pending merger with Synovus is progressing rapidly, with key leadership and system decisions finalized, regulatory applications filed, and closing expected in early Q1 2026.
Asset quality metrics remain robust, with net charge-offs at 0.18% annualized and allowance for credit losses at 1.15% of loans.
Financial highlights
Total Q3 2025 revenues were $544.8 million, up 16.7% year-over-year; adjusted noninterest income rose 28.4%, driven by wealth management and BHG.
Net income for Q3 2025 was $173.1M, up 18.0% year-over-year; diluted EPS was $2.19, up 17.7% year-over-year.
Efficiency ratio for Q3 2025 was 55.6%; adjusted efficiency ratio improved to 54.2%.
Tangible book value per share grew 11.6% year-over-year to $61.53.
Common equity tier 1 capital ratio stood at 10.8% at quarter-end.
Outlook and guidance
2025 end-of-period loan growth guidance raised to 9%-10%; deposit growth outlook increased to 8%-10%.
Net interest income growth forecast increased to 13%-14% year-over-year; non-interest income growth expected at 20%-22%.
Total expense outlook for 2025 set at $1.15-$1.155 billion; 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 $250 million in cost savings and significant revenue synergies.
Quantify Synovus merger revenue synergies
Impact of Fed rate cuts on NIM expansion?
BHG credit quality outlook and loss accruals
RM hiring pace post-merger?
Drivers of Q4 BHG income decline?
Combined NPS impact on market share?
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Next Pinnacle Financial Partners earnings date
Goldman Sachs U.S. Financial Services Conference9 Dec, 2025
Next Pinnacle Financial Partners earnings date
Goldman Sachs U.S. Financial Services Conference9 Dec, 2025
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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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