Pinnacle Financial (PNFP) Q4 Earnings: How Key Metrics Compare to Wall Street Estimates

Core Insights - Pinnacle Financial reported revenue of $546.3 million for the quarter ended December 2025, reflecting a year-over-year increase of 14.9% [1] - The company's EPS was $2.24, up from $1.90 in the same quarter last year, but fell short of the consensus estimate of $2.32, resulting in an EPS surprise of -3.24% [1] - The revenue fell slightly below the Zacks Consensus Estimate of $557.02 million, leading to a revenue surprise of -1.92% [1] Financial Metrics - Net Interest Margin stood at 3.3%, matching the five-analyst average estimate [4] - Efficiency Ratio was reported at 55.8%, higher than the five-analyst average estimate of 52.9% [4] - Annualized net loan charge-offs to average loans were 0.3%, exceeding the four-analyst average estimate of 0.2% [4] - Nonaccrual loans totaled $133.36 million, lower than the three-analyst average estimate of $151.88 million [4] - Average balances of total interest-earning assets were $51.48 billion, below the $52.89 billion average estimate from three analysts [4] - Total nonperforming assets were reported at $141.45 million, also lower than the three-analyst average estimate of $158.12 million [4] - Total noninterest income was $134.77 million, compared to the $144.43 million average estimate based on five analysts [4] - Net Interest Income was $407.44 million, below the four-analyst average estimate of $414.62 million [4] - Trust fees were reported at $11.42 million, exceeding the two-analyst average estimate of $10.45 million [4] - Service charges on deposit accounts were $18.72 million, slightly above the $18.61 million estimated by two analysts [4] - Insurance sales commissions were $3.14 million, lower than the $4.01 million average estimate based on two analysts [4] - Gains on mortgage loans sold, net, were $1.35 million, compared to the $2.19 million average estimate based on two analysts [4] Stock Performance - Pinnacle Financial's shares have returned -3.9% over the past month, while the Zacks S&P 500 composite has changed by -0.4% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]