Pinnacle Financial (PNFP) Q4 Earnings and Revenues Lag Estimates

Core Viewpoint - Pinnacle Financial's quarterly earnings of $2.24 per share fell short of the Zacks Consensus Estimate of $2.32 per share, marking an earnings surprise of -3.24% compared to the previous year's earnings of $1.9 per share [1] Group 1: Earnings Performance - The company reported revenues of $546.3 million for the quarter ended December 2025, missing the Zacks Consensus Estimate by 1.92%, while year-ago revenues were $475.33 million [2] - Over the last four quarters, Pinnacle Financial has surpassed consensus EPS estimates three times and topped consensus revenue estimates two times [2] Group 2: Stock Performance and Outlook - Pinnacle Financial shares have increased by about 2% since the beginning of the year, contrasting with the S&P 500's decline of 0.7% [3] - The company's earnings outlook is crucial for investors, as it includes current consensus earnings expectations for upcoming quarters and any recent changes to these expectations [4] Group 3: Estimate Revisions and Rankings - The estimate revisions trend for Pinnacle Financial was favorable ahead of the earnings release, resulting in a Zacks Rank 2 (Buy) for the stock, indicating expected outperformance in the near future [6] - The current consensus EPS estimate for the upcoming quarter is $2.35 on revenues of $1.15 billion, and for the current fiscal year, it is $10.33 on revenues of $4.83 billion [7] Group 4: Industry Context - The Zacks Industry Rank for Banks - Southeast is currently in the top 31% of over 250 Zacks industries, suggesting that the industry outlook can significantly impact stock performance [8]