Pinnacle Financial Partners Reports Q3 2026 Financial Results

Executive Summary

On October 21, 2026, Pinnacle Financial Partners, Inc. (NYSE: PNFP) filed a Current Report on Form 8-K under Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure) to report financial results for the third quarter ended September 30, 2026.

Key Financial Highlights

• Diluted Earnings Per Share (EPS): Reported at $2.40, up from $2.19 in 3Q25. Adjusted diluted EPS reached $2.69, compared to $2.27 in 3Q25.
• Net Income Available to Common Shareholders: $364 million ($409 million adjusted, excluding merger-related expenses and investment securities losses).
• Revenue: Total reported revenue was $1,312 million (adjusted: $1,318 million), up linked-quarter from $1,203 million in 2Q26.
• Balance Sheet Expansion:
  • Total Loans: $89.81 billion, up 2% linked-quarter ($1.7 billion increase).
  • Total Deposits: $103.04 billion, increasing 2% linked-quarter ($2.1 billion increase).
• Net Interest Margin (NIM): 3.40%, contracting 4 basis points linked-quarter due to higher deposit costs and wholesale-funded liquidity build.
• Credit Quality:
  • Non-Performing Asset (NPA) Ratio: Unchanged at 0.50%.
  • Net Charge-Off (NCO) Ratio: 0.23% annualized for the quarter.
  • Provision for Credit Losses: $86 million, with an allowance for credit losses to total loans of 1.19%.
• Capital Adequacy: Preliminary Common Equity Tier 1 (CET1) ratio stood at 10.01%, improving from 9.93% in 2Q26.