{"schema_version":"secwatch.filing_event.v1","accession":"0002082866-26-000008","form_type":"8-K","ticker":"PNFP","cik":"0002082866","company_name":"Pinnacle Financial Partners, Inc.","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.214816+00:00","generated_at":"2026-05-16T09:22:28.820900+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Legacy Pinnacle Q4 2025 EPS $2.13, adjusted $2.24; revenue up 14.1%; merger closed","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0002082866-26-000008","json":"https://secwatch.observer/filing/0002082866-26-000008.json","markdown":"https://secwatch.observer/filing/0002082866-26-000008.md","text":"https://secwatch.observer/filing/0002082866-26-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/2082866/000208286626000008/0002082866-26-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/2082866/000208286626000008/pnfp-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:22:28.820900+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}