---
schema_version: "secwatch.filing_event.v1"
accession: "0001115055-24-000108"
form_type: "8-K"
ticker: null
cik: "0001115055"
company_name: "PINNACLE FINANCIAL PARTNERS INC"
filed_at: "2024-04-23T23:59:59+00:00"
generated_at: "2026-06-03T11:22:15.409428+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# PNFP Q1 2024 diluted EPS $1.57, down 10.8% YoY; revenues +6.6% but credit costs rise

## Summary
- Diluted EPS $1.57 vs $1.76 in Q1 2023; total revenues $428.1M (+6.6% YoY).
- Net interest margin 3.04% vs 3.40% a year ago; net interest income +1.9% YoY.
- Allowance for credit losses increased to 1.12% of loans; $7.3M FDIC special assessment recognized.
- Net interest income growth guidance 8-10% for 2024; fee revenue ex-items +10-14%.
- Net charge-offs expected 0.20%-0.25% of avg loans for 2024; tangible book value $51.98.

## SEC filing metadata
- accession: 0001115055-24-000108
- form_type: 8-K
- cik: 0001115055
- company_name: PINNACLE FINANCIAL PARTNERS INC
- filed_at: 2024-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1115055/000111505524000108/0001115055-24-000108-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1115055/000111505524000108/pnfp-20240422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001115055-24-000108
- JSON: https://secwatch.observer/filing/0001115055-24-000108.json
- Plain text: https://secwatch.observer/filing/0001115055-24-000108.txt

## Key facts
- Earnings Releases
  PINNACLE FINANCIAL PARTNERS INC reported the three months ended March 31, 2024 results: EPS $1.57.
  - Period: the three months ended March 31, 2024
  - EPS: $1.57
  - Result: reported results
  source text: OR IMMEDIATE RELEASE MEDIA CONTACT: Joe Bass, 615-743-8219 FINANCIAL CONTACT: Harold Carpenter, 615-744-3742 WEBSITE: www.pnfp.com PNFP REPORTS 1Q24 DILUTED EPS OF $1.57 Total revenues increased 32.1 percent linked-quarter annualized and 6.6 percent year-over-year NASHVILLE, TN, April 22, 2024 - Pinnacle Financial Partners, Inc.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1115055/000111505524000108/0001115055-24-000108-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.