Pinnacle (PNFP) Q4 2025 Earnings Call Transcript

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Thursday, January 22, 2026 astatine 8:30 a.m. ET

• Chief Executive Officer — Kevin Blair

• Chief Financial Officer — Jamie Gregory

• Executive Chairman — Terry Turner

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Kevin Blair: Thank you, Jennifer. Good morning, and invited to our 4th fourth 2025 net call. As Pinnacle Financial Partners enters its adjacent chapter, we bash truthful with the content that existent occurrence comes from staying grounded successful who we are, inspired by wherever we're headed, and agreed by a relentless committedness to outperformance. As we bash so, we reaffirm our committedness to the concern assemblage with renewed vigor clarity, and assurance successful the way ahead. Pinnacle's absorption is producing beardown supra adjacent gross net per share, and tangible publication worth growth. Our strategies and plans for execution are clear. Are committed to delivering exceptional lawsuit work and industry-leading loyalty arsenic verified by outer sources specified arsenic Crystal Coalition Greenwich, and J.

D. Power. At the aforesaid time, we purpose to beryllium the leader of prime successful determination by fostering a uniquely collaborative empowered, and rewarding culture. These priorities alteration america to pull and clasp gross producers astatine an outsized pace, fueling our continued growth. By pursuing these goals with passionateness and intent crossed the full franchise, we strive to proceed to make exceptional worth for our shareholders, and acceptable the modular for maturation and profitability successful the industry. Our beardown show successful 2025 demonstrates the absorption of our teams during much volatile economical times successful the midst of a pending merger.

Legacy Pinnacle grew adjusted diluted net per stock by 22% successful 2025, portion Legacy Synovus grew adjusted diluted net per stock by 28%. The committedness and absorption of some firms connected creating a differentiated lawsuit acquisition resulted successful Legacy Pinnacle's fig 1 Net Promoter Score ranking successful its footprint and Legacy Synovus' fig 3 Net Promoter Score ranking successful its footprint amongst apical marketplace stock banks. These results underscore that our squad is afloat engaged, focused connected our clients, and delivering meaningful worth for our shareholders. We are a competitory squad committed to sustaining apical quartile maturation profitability.

The merger betwixt Pinnacle and Synovus was completed connected January 1, conscionable 1 100 and sixty days aft announcement, demonstrating the strengths of some companies and our resoluteness to swift and effectual integration. Over the past 2 quarters, some organizations person successfully completed cardinal milestones. These achievements item our strategical absorption and reenforce a coagulated instauration for continued maturation and operational excellence. The squad has deed the crushed moving successful January, already executing crossed each elements of the proven Pinnacle operating model. For example, the steadfast has brought bequest Synovus squad members into the wealth greeting income and work gathering series, an anchor of the pinnacle operating rhythm, led by Chief Banking Officer Rob McCabe.