For the quarter ended March 2025, Pinnacle Financial (PNFP) reported revenue of $462.85 million, up 8.1% over the same period last year. EPS came in at $1.90, compared to $1.53 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $478.5 million, representing a surprise of -3.27%. The company delivered an EPS surprise of +4.40%, with the consensus EPS estimate being $1.82.
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:
- Net Interest Margin: 3.2% versus the three-analyst average estimate of 3.2%.
- Efficiency Ratio: 59.5% versus 55.5% estimated by three analysts on average.
- Nonaccrual loans: $171.57 million versus the two-analyst average estimate of $157.20 million.
- Annualized net loan charge-offs to avg. loans: 0.2% versus the two-analyst average estimate of 0.2%.
- Average balances - Total interest-earning assets: $47.68 billion versus the two-analyst average estimate of $47.63 billion.
- Total nonperforming assets: $175.23 million versus the two-analyst average estimate of $158.91 million.
- Net Interest Income: $364.43 million compared to the $365.05 million average estimate based on three analysts.
- Total noninterest income: $98.43 million versus the three-analyst average estimate of $113.42 million.
- Gains on mortgage loans sold, net: $2.51 million compared to the $2.65 million average estimate based on two analysts.
View all Key Company Metrics for Pinnacle Financial here>>>
Shares of Pinnacle Financial have returned -12.4% over the past month versus the Zacks S&P 500 composite's -3.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform 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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