Legacy Pinnacle Q4 2025 EPS $2.13, adjusted $2.24; revenue up 14.1%; merger closed

Pinnacle Financial Partners, Inc.

2025-FY EPS reported $8.07

Q4 2025 diluted EPS $2.13 ($2.24 adjusted) vs $1.91 ($1.90 adjusted) YoY; full-year $8.07 ($8.37 adjusted).
Total revenues $542.2M (+14.1% YoY); net interest margin 3.27% vs 3.22%; net interest income +12% YoY.
Loans $39.15B (+10.3% YoY); core deposits +10.2% YoY; tangible book value $63.71/share (+13.3%).
Merger with Synovus closed Jan 1, 2026; systems conversion expected March 2027; merger costs $21.7M in 2025.
BHG income $31.3M in Q4 (vs $12.1M YoY); annualized net charge-offs 0.28%; ACL to loans 1.13%.

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