---
schema_version: "secwatch.filing_event.v1"
accession: "0002082866-26-000039"
form_type: "8-K"
ticker: "PNFP"
cik: "0002082866"
company_name: "Pinnacle Financial Partners, Inc."
filed_at: "2026-04-22T23:59:59+00:00"
generated_at: "2026-05-15T04:57:13.904524+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Pinnacle Q1 2026 adjusted EPS $2.39; NIM expands to 3.53%; loan growth 10% annualized

## Summary
- Reported diluted EPS $0.89; adjusted diluted EPS $2.39, driven by $275M merger-related charges in the quarter.
- Net interest income $933M; net interest margin 3.53%, up 26 bps linked-quarter primarily from loan and securities marks.
- Period-end loans $85.2B (+10% annualized); core deposits $91.6B (+8% annualized) on combined basis.
- NCO ratio 0.23%, NPA ratio 0.58%; allowance for credit losses 1.19% of total loans.
- Adjusted tangible efficiency ratio improved to 51% from 52% legacy Pinnacle in 4Q25; headcount down 2% QoQ.

## SEC filing metadata
- accession: 0002082866-26-000039
- form_type: 8-K
- ticker: PNFP
- cik: 0002082866
- company_name: Pinnacle Financial Partners, Inc.
- filed_at: 2026-04-22T23:59:59+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/2082866/000208286626000039/0002082866-26-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/pnfp-20260422.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0002082866-26-000039
- JSON: https://secwatch.observer/filing/0002082866-26-000039.json
- Plain text: https://secwatch.observer/filing/0002082866-26-000039.txt

## Key facts
- Earnings Releases
  Pinnacle Financial Partners, Inc. reported financial results for the three month period ended March 31, 2026.
  - Period: the three month period ended March 31, 2026
  - Result: reported results
  source text: On April 22, 2026, Pinnacle Financial Partners, Inc. (the "Company") issued a press release announcing the Company’s financial results for the three month period ended March 31, 2026.
  evidence_url: https://www.sec.gov/Archives/edgar/data/2082866/000208286626000039/0002082866-26-000039-index.htm

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