Gear Up for Pinnacle Financial (PNFP) Q4 Earnings: Wall Street Estimates for Key Metrics

Core Viewpoint - Analysts project that Pinnacle Financial (PNFP) will report quarterly earnings of $2.32 per share, reflecting a year-over-year increase of 22.1%, with revenues expected to reach $557.02 million, up 17.2% from the same quarter last year [1]. Earnings Estimates - The consensus EPS estimate has been revised 2.9% higher in the last 30 days, indicating a collective reevaluation by analysts [2]. - Changes in earnings estimates are crucial for predicting investor reactions, as empirical research shows a strong correlation between earnings estimate revisions and short-term stock performance [3]. Key Financial Metrics - Analysts expect the 'Net Interest Margin' to be 3.3%, up from 3.2% in the same quarter last year [5]. - The 'Efficiency Ratio' is projected to be 52.9%, improved from 55.1% a year ago [5]. - 'Nonaccrual loans' are estimated at $151.88 million, compared to $147.83 million last year [5]. Asset and Income Projections - 'Average balances - Total interest-earning assets' are forecasted to reach $52.89 billion, up from $46.40 billion a year ago [6]. - 'Total nonperforming assets' are expected to be $158.12 million, compared to $149.11 million last year [6]. - 'Total noninterest income' is projected at $144.43 million, up from $111.55 million in the same quarter last year [7]. - 'Net Interest Income' is estimated at $414.62 million, compared to $363.79 million last year [7]. Additional Income Metrics - 'Trust fees' are expected to reach $10.45 million, compared to $9.10 million last year [8]. - 'Service charges on deposit accounts' are projected at $18.61 million, up from $15.18 million in the same quarter last year [8]. - 'Income from equity method investment' is forecasted at $36.30 million, compared to $12.07 million last year [9]. - 'Other noninterest income' is expected to be $49.70 million, slightly down from $50.44 million last year [9]. - The consensus estimate for 'Investment services' stands at $24.63 million, compared to $19.23 million last year [10]. Stock Performance - Over the past month, shares of Pinnacle Financial have returned -4.1%, while the Zacks S&P 500 composite has changed by +1.6% [10].