The strong adjusted EPS beat and margin expansion signal successful integration momentum; monitor upcoming quarters for sustained cost synergy realization and loan growth trends.
Price Chart
Executive Summary
Pinnacle Financial Partners reported Q1 2026 diluted EPS of $0.89, missing the prior-year $1.77 due to $275M in merger-related costs from the Synovus integration. Adjusted EPS of $2.39 beat expectations, driven by strong loan and deposit growth and a 26 basis point net interest margin expansion to 3.53%. The combined entity achieved $85.2B in loans and $100.1B in deposits.
Key Financial Metrics
Key Facts
- Diluted EPS of $0.89 (reported) vs $1.77 in 1Q25
- Adjusted diluted EPS of $2.39, up 26% YoY
- Merger-related expenses totaled $275.4 million in 1Q26
- Period-end loans grew to $85.2 billion, deposits to $100.1 billion
- Net interest margin expanded 26 basis points to 3.53%
- Credit quality remained strong with NCO ratio of 0.23% and NPA ratio of 0.58%
Financial Impact
Adjusted net income of $362.7 million, or $2.39 per diluted share, significantly above reported $134.7 million due to merger costs
Risk Factors
- Merger integration complexity and timing
- Credit quality deterioration in senior housing relationships
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0002082866-26-000039 |
| Exhibit: exhibit992filing_present.htm | 0002082866-26-000039 |
| Document: pnfp-20260422.htm | 0002082866-26-000039 |
| Document: 0002082866-26-000039-index-headers.html | 0002082866-26-000039 |
| Document: 0002082866-26-000039-index.html | 0002082866-26-000039 |
| Document: 0002082866-26-000039.txt | 0002082866-26-000039 |
| 8-K Data (Synthetic) | 0002082866-26-000039 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Sep 10, 2026 22d ago | 8-K | $99.14 $96.77 | ▼ −2.39% | ▼ −1.89% | $95.53 (−3.64%) |
Aug 18, 2026 6w ago | 144 | $104.53 $100.77 | ▲ +3.60% | ▲ +3.40% | $95.53 (+8.61%) |
Aug 14, 2026 6w ago | 144 | $107.35 $101.34 | ▼ −5.60% | ▼ −4.41% | $95.53 (−11.01%) |
Aug 14, 2026 7w ago | 144 | $108.01 $102.26 | ▼ −5.32% | ▼ −3.96% | $95.53 (−11.55%) |
Aug 6, 2026 8w ago | 144 | $104.68 $108.01 | ▲ +3.18% | ▲ +2.78% | $95.53 (−8.74%) |
Jun 8, 2026 16w ago | 8-K | $25.02 $25.15 | ▲ +0.53% | ▼ −1.27% | $95.53 (+281.85%) |
May 19, 2026 19w ago | 8-K | $25.64 $25.69 | ▲ +0.20% | ▼ −1.61% | $95.53 (+272.58%) |
May 14, 2026 20w ago | 8-K | $25.61 $25.66 | ▲ +0.21% | ▼ −0.75% | $95.53 (+273.09%) |
May 12, 2026 20w ago | 8-K | $25.73 $25.68 | ▼ −0.19% | ▼ −0.27% | $95.53 (+271.28%) |
Apr 22, 2026 23w ago | 8-K | $25.76 $25.64 | ▼ −0.47% | ▼ −1.94% | $95.53 (+270.85%) |
US Market Status
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