Pinnacle Financial (PNFP) reported $504.99 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 37.8%. EPS of $2.00 for the same period compares to $1.63 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $492.81 million, representing a surprise of +2.47%. The company delivered an EPS surprise of +4.17%, with the consensus EPS estimate being $1.92.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Pinnacle Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin: 3.2% versus 3.2% estimated by six analysts on average.
- Efficiency Ratio: 56.7% versus 55.4% estimated by six analysts on average.
- Annualized net loan charge-offs to avg. loans: 0.2% versus the five-analyst average estimate of 0.2%.
- Average balances - Total interest-earning assets: $49.1 billion versus $48.7 billion estimated by four analysts on average.
- Nonaccrual loans: $157.17 million versus $180.33 million estimated by three analysts on average.
- Total nonperforming assets: $162.01 million compared to the $184.79 million average estimate based on three analysts.
- Total noninterest income: $125.46 million versus the six-analyst average estimate of $116.7 million.
- Net Interest Income: $379.53 million versus $376.81 million estimated by five analysts on average.
- Gains on mortgage loans sold, net: $1.97 million versus $3 million estimated by four analysts on average.
- Service charges on deposit accounts: $17.09 million versus $17.5 million estimated by three analysts on average.
- Insurance sales commissions: $3.69 million compared to the $4.41 million average estimate based on three analysts.
- Trust fees: $9.28 million versus the three-analyst average estimate of $9.4 million.
View all Key Company Metrics for Pinnacle Financial here>>>
Shares of Pinnacle Financial have returned +15% over the past month versus the Zacks S&P 500 composite's +5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
Pinnacle Financial Partners, Inc. (PNFP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
