Seeking Clues to Pinnacle Financial (PNFP) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics

Core Viewpoint - Analysts expect Pinnacle Financial (PNFP) to report quarterly earnings of $1.80 per share, reflecting a year-over-year increase of 7.1%, with revenues projected at $463.47 million, up 16.9% from the previous year [1]. Earnings Estimates - Changes in earnings estimates are crucial for predicting investor reactions to stock performance [2]. - The consensus EPS estimate has remained unchanged over the last 30 days, indicating stability in analyst projections [1]. Key Financial Metrics - Analysts project the 'Net Interest Margin' to reach 3.2%, up from 3.1% year-over-year [4]. - The 'Efficiency Ratio' is expected to improve to 54.3%, compared to 63.4% in the same quarter last year [4]. - 'Nonaccrual loans' are estimated at $125.68 million, up from $82.29 million a year ago [4]. Asset and Income Projections - 'Average balances - Total interest-earning assets' are forecasted to be $45.90 billion, compared to $42.95 billion last year [5]. - 'Total nonperforming assets' are projected at $126.91 million, up from $86.64 million year-over-year [5]. - 'Net Interest Income' is expected to reach $360.31 million, an increase from $317.25 million last year [5]. Noninterest Income Estimates - 'Total noninterest income' is projected at $107.61 million, compared to $79.09 million a year ago [6]. - 'Service charges on deposit accounts' are expected to be $16.50 million, up from $12.66 million [6]. - 'Insurance sales commissions' are estimated at $3.27 million, slightly up from $3.07 million last year [6]. Additional Income Metrics - 'Trust fees' are expected to reach $8.44 million, compared to $6.99 million last year [7]. - 'Income from equity method investment' is projected at $16.03 million, up from $14.43 million [7]. - 'Other noninterest income' is estimated at $43.83 million, compared to $27.53 million in the same quarter last year [8]. Market Performance - Pinnacle Financial shares have increased by 0.8% over the past month, contrasting with a -3.3% change in the Zacks S&P 500 composite [8]. - With a Zacks Rank 2 (Buy), PNFP is expected to outperform the overall market in the near term [8].