For the quarter ended September 2025, Pinnacle Financial (PNFP) reported revenue of $544.8 million, up 16.7% over the same period last year. EPS came in at $2.27, compared to $1.86 in the year-ago quarter.
The reported revenue represents a surprise of +4.74% over the Zacks Consensus Estimate of $520.15 million. With the consensus EPS estimate being $2.05, the EPS surprise was +10.73%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
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:
- Efficiency Ratio: 55.6% versus 54.5% estimated by five analysts on average.
- Net Interest Margin: 3.3% compared to the 3.3% average estimate based on five analysts.
- Annualized net loan charge-offs to avg. loans: 0.2% compared to the 0.2% average estimate based on four analysts.
- Nonaccrual loans: $149.68 million compared to the $161.39 million average estimate based on three analysts.
- Total nonperforming assets: $154.89 million versus the three-analyst average estimate of $166.75 million.
- Average balances - Total interest-earning assets: $50.08 billion compared to the $49.69 billion average estimate based on three analysts.
- Total noninterest income: $147.94 million versus $126.71 million estimated by five analysts on average.
- Net Interest Income: $396.87 million versus $392.83 million estimated by four analysts on average.
- Gains on mortgage loans sold, net: $1.83 million versus $2.71 million estimated by three analysts on average.
- Service charges on deposit accounts: $18.29 million versus $17.46 million estimated by two analysts on average.
- Insurance sales commissions: $4.02 million versus $3.66 million estimated by two analysts on average.
- Trust fees: $10.32 million compared to the $9.47 million average estimate based on two analysts.
View all Key Company Metrics for Pinnacle Financial here>>>
Shares of Pinnacle Financial have returned -2.9% over the past month versus the Zacks S&P 500 composite's +1% 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.
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Pinnacle Financial Partners, Inc. (PNFP): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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