Stable Margins Mask Volatile Credit Costs and Earnings
PNFP's net interest margin held within a narrow 0.7% to 0.8% band across the ten quarters reviewed, and the efficiency ratio improved from 70.0% in 2024Q2 to 57.1% in 2026Q3, suggesting operational discipline is strengthening.
ATLANTA--(BUSINESS WIRE)---- $PNFP--The board of directors of Pinnacle Financial Partners, Inc. (NYSE: PNFP) approved the following dividends for holders of common and preferred stock: $0.50 per share on the firm's common stock, payable on November 27, 2026, to shareholders of record as of November 6, 2026. $0.48089 per share on the firm's Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series A, payable on December 21, 2026, to shareholders of record as of December 15, 2026. $0.52481 pe.
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Pinnacle Financial Partners NYSE: PNFP reported third-quarter 2026 diluted earnings per share of $2.40 and adjusted diluted EPS of $2.69, excluding $56 million of pretax adjusted items, as loan and deposit growth, fee income and recruiting activity continued to support results following its merger.
Pinnacle Financial Partners, Inc. ( PNFP ) Q3 2026 Earnings Call October 22, 2026 8:00 AM EDT Company Participants Samantha W. Tyagi Kevin Blair - President, CEO & Director Andrew Gregory - Executive VP & CFO Conference Call Participants Casey Haire John Pancari - Evercore ISI Institutional Equities, Research Division Ebrahim Poonawala - BofA Securities, Research Division Jared David Shaw - Barclays Bank PLC, Research Division John McDonald - Truist Securities, Inc., Research Division Bernard Von Gizycki - Deutsche Bank AG, Research Division Ryan Kenny - Morgan Stanley, Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Timur Braziler - UBS Investment Bank, Research Division Christopher McGratty - Keefe, Bruyette, & Woods, Inc., Research Division Anthony Elian - JPMorgan Chase & Co, Research Division Christopher Marinac - Brean Capital, LLC, Research Division Edward Najarian - Hovde Group, LLC, Research Division David Chiaverini - Jefferies LLC, Research Division Sun Young Lee - TD Cowen, Research Division Presentation Operator Good morning, and welcome to the Pinnacle Financial Partners Third Quarter 2026 Earnings Call.
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Peers Comparison
Key metrics vs top competitors for Pinnacle Financial Partners, Inc. (PNFP)
How fast is Pinnacle Financial Partners, Inc. growing?
Pinnacle Financial Partners, Inc. (PNFP) grew revenue by 121.7% over the trailing twelve months, compared with the twelve months before.
Is PNFP profitable?
Yes. Pinnacle Financial Partners, Inc. (PNFP) earned $1.03B in net income over the trailing twelve months (a 24.6% net margin).
Dividend & Returns
Does PNFP pay dividends?
Yes. Pinnacle Financial Partners, Inc. (PNFP) pays a dividend that yields 0.95% at the current price, a small yield.
What is PNFP's return on equity?
Pinnacle Financial Partners, Inc. (PNFP) had a return on equity (ROE) of 8.0% over the trailing twelve months. That is below the market's typical 10-15%.
Industry Metrics
What is Pinnacle Financial Partners, Inc.'s net interest margin?
Pinnacle Financial Partners, Inc. (PNFP) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.
What is Pinnacle Financial Partners, Inc.'s efficiency ratio?
Pinnacle Financial Partners, Inc. (PNFP) has an efficiency ratio of 68.4%. This is higher than peers, suggesting room for cost optimization.
