---
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"
generated_at: "2026-05-16T09:22:28.820900+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002082866-26-000008
- JSON: https://secwatch.observer/filing/0002082866-26-000008.json
- Plain text: https://secwatch.observer/filing/0002082866-26-000008.txt

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