Pinnacle Financial Partners Q4 Earnings Call Highlights

2 days ago 4

MarketBeat

Thu, January 22, 2026 astatine 10:10 AM CST 8 min read

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Merger closed connected Jan. 1 with accelerated integration underway—Pinnacle has begun applying its operating exemplary to bequest Synovus, volition support bequest platforms until a systems conversion successful Q1 2027, and expects the aboriginal in‑state level to present caller capabilities and gross synergies.
Both bequest franchises reported beardown Q4 results: Pinnacle adjusted EPS $2.24 (+18% YoY), nett involvement income +12% YoY and period‑end loans +10% YoY; Synovus adjusted EPS $1.45 (+16% YoY) with a CET1 ratio of 11.28%.
2026 targets see period‑end loans of $91–93B (+9–11%), deposits $106.5–108.5B (+8–10%), adjusted gross $5.0–5.2B, NIM ~3.45–3.55%, adjusted non‑interest disbursal $2.7–2.8B, $450–500M of merger‑related costs successful 2026, a CET1 people of 10.25–10.75% and a $0.50 quarterly dividend; the committee authorized a $400M buyback but repurchases are improbable aboriginal arsenic superior is prioritized for indebtedness growth.
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Pinnacle Financial Partners (NASDAQ:PNFP) utilized its fourth-quarter 2025 net telephone to sermon results for bequest Pinnacle and bequest Synovus and to outline expectations for the archetypal twelvemonth of the combined institution pursuing the merger’s completion connected Jan. 1.

CEO Kevin Blair said the Pinnacle-Synovus merger closed “just 160 days aft announcement,” and absorption emphasized the gait of integration milestones achieved successful caller quarters. Blair said the combined enactment has already begun executing the Pinnacle operating model, including bringing bequest Synovus squad members into Pinnacle’s Monday greeting income and work gathering bid led by Chief Banking Officer Rob McCabe.

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Blair said the companies volition run connected bequest platforms until a systems conversion planned for the archetypal 4th of 2027. In effect to a question astir what changes post-conversion, Blair said determination is “nothing that’s missing” contiguous successful presumption of the bank’s quality to originate caller concern oregon grow stock of wallet, but that the aboriginal in-state level volition bring “new capabilities, caller functionality, caller products” and imaginable gross synergies. He added that analyzable clients onboarded successful 2026 whitethorn beryllium placed connected the in-state level to debar a aboriginal conversion.

CFO Jamie Gregory reviewed standalone fourth-quarter 2025 results for some bequest franchises, noting some performed powerfully “even successful the midst of a merger integration.”