For the quarter ended December 2025, Pinnacle Financial (PNFP) reported revenue of $546.3 million, up 14.9% over the same period last year. EPS came in at $2.24, compared to $1.90 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $557.02 million, representing a surprise of -1.92%. The company delivered an EPS surprise of -3.24%, with the consensus EPS estimate being $2.32.
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: 3.3% versus the five-analyst average estimate of 3.3%.
- Efficiency Ratio: 55.8% versus the five-analyst average estimate of 52.9%.
- Annualized net loan charge-offs to avg. loans: 0.3% versus the four-analyst average estimate of 0.2%.
- Nonaccrual loans: $133.36 million versus the three-analyst average estimate of $151.88 million.
- Average balances - Total interest-earning assets: $51.48 billion compared to the $52.89 billion average estimate based on three analysts.
- Total nonperforming assets: $141.45 million versus the three-analyst average estimate of $158.12 million.
- Total noninterest income: $134.77 million compared to the $144.43 million average estimate based on five analysts.
- Net Interest Income: $407.44 million versus the four-analyst average estimate of $414.62 million.
- Trust fees: $11.42 million versus the two-analyst average estimate of $10.45 million.
- Service charges on deposit accounts: $18.72 million versus $18.61 million estimated by two analysts on average.
- Insurance sales commissions: $3.14 million compared to the $4.01 million average estimate based on two analysts.
- Gains on mortgage loans sold, net: $1.35 million compared to the $2.19 million average estimate based on two analysts.
View all Key Company Metrics for Pinnacle Financial here>>>
Shares of Pinnacle Financial have returned -3.9% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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