secwatch.observer — SEC 8-K summary
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Issuer:     Pinnacle Financial Partners, Inc. (PNFP)
CIK:        0002082866
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0002082866-26-000008
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/2082866/000208286626000008/0002082866-26-000008-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/2082866/000208286626000008/pnfp-20260121.htm
  HTML page:      https://secwatch.observer/filing/0002082866-26-000008

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