NYSE$PNFP
Pinnacle Financial Partners Inc. · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Pinnacle Financial reported strong revenue and EPS growth in Q2 2025 driven by loan growth and expansion initiatives.
Pinnacle Financial delivered robust Q2 2025 results with higher EPS and revenue, driven by strong loan growth and expanding operations, including entry into Richmond, VA.
- EPS rose to $2.00 with net income of $154.7M
- Revenue surged to $505.0M, supported by loan growth
- Loans grew 10.7% linked-quarter annualized to $37.1B
- Expansion into Richmond, VA added new growth potential
Headline financials
Revenue & EPS history
Pinnacle Financial · Revenue · Quarterly
$505M
Revenue by segment
Pinnacle Financial · $49.4M total across 4 segments · Q2 2025
- Investment Services$19.3M+22.9%39.1%
- Service Charges$17.1M+17.4%34.6%
- Trust Fees$9.28M+11.5%18.8%
- Insurance Commissions$3.69M-0.6%7.5%
Forward guidance
Management expects continued loan growth, margin expansion, and benefits from expansion into new markets while remaining cautious about economic uncertainties.
Tailwinds
- Expecting increased growth in commercial real estate lending
- Strong recruiting momentum with 71 revenue producers hired YTD
- Margin expansion expected to continue into Q3
- Expansion into Richmond, VA to drive future growth
- Noninterest income growth continues across key fee categories
Headwinds
- Economic uncertainties could affect loan demand
- Potential pressure on funding costs despite margin expansion
- Commercial real estate concentration limits may restrict growth
- Increased headcount driving higher salary and incentive expenses
- Competitive hiring market may impact future recruitment costs
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q2 2025
+0.4%
Avg return
Earnings day
+0.7%
Avg return
5 days after
+2.8%
Avg return
30 days after
60%
24 / 40 earnings
Positive
+6.1%
Q2 2020
Best reaction
-5.9%
Q3 2025
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q2 2026 | — | — | — | |
| Q1 2026 | +1.3% | +0.1% | -1.5% | |
| Q4 2025 | -4.1% | -6.3% | -0.7% | |
| Q3 2025 | -5.9% | -1.8% | -1.0% | |
| Q2 2025 | +1.4% | +1.7% | -19.7% | |
| Q1 2025 | +2.3% | +3.2% | +20.3% | |
| Q4 2024 | +0.3% | +2.8% | -1.4% | |
| Q3 2024 | +1.2% | +6.4% | +24.3% | |
| Q2 2024 | +2.8% | +4.9% | +0.9% | |
| Q1 2024 | +2.4% | +1.0% | +2.5% | |
| Q4 2023 | -1.9% | +1.6% | +0.7% | |
| Q3 2023 | +1.3% | -9.8% | +5.9% | |
| Q2 2023 | +5.6% | +14.2% | +9.3% | |
| Q1 2023 | +3.7% | +3.6% | -5.2% | |
| Q4 2022 | +0.9% | -3.3% | +4.8% | |
| Q3 2022 | +0.2% | -8.7% | -8.5% | |
| Q2 2022 | +3.6% | +6.4% | +20.2% | |
| Q1 2022 | +0.2% | -3.4% | -10.8% | |
| Q4 2021 | -2.3% | -7.8% | -12.6% | |
| Q3 2021 | +1.3% | +3.9% | +4.9% | |
| Q2 2021 | +4.1% | +5.9% | +9.2% | |
| Q1 2021 | -0.7% | -4.0% | -2.2% | |
| Q4 2020 | +0.5% | +4.6% | +12.0% | |
| Q3 2020 | +2.2% | +14.3% | +36.9% | |
| Q2 2020 | +6.1% | +8.2% | +5.7% | |
| Q1 2020 | -1.2% | -9.1% | -5.4% | |
| Q4 2019 | -2.1% | -4.3% | +0.1% | |
| Q3 2019 | +1.0% | +3.7% | +6.9% | |
| Q2 2019 | -0.4% | +4.8% | -5.9% | |
| Q1 2019 | -2.3% | -1.7% | -2.2% | |
| Q4 2018 | +0.4% | +5.6% | +9.3% | |
| Q3 2018 | -1.3% | -3.0% | -3.7% | |
| Q2 2018 | -0.6% | +3.9% | +6.9% | |
| Q1 2018 | -0.2% | -0.4% | +3.5% | |
| Q4 2017 | -1.0% | -6.6% | -6.5% | |
| Q3 2017 | -1.7% | +1.7% | -2.0% | |
| Q2 2017 | +0.4% | +2.2% | -5.3% | |
| Q1 2017 | +1.9% | +5.7% | -1.5% | |
| Q4 2016 | -4.0% | -6.9% | +4.5% | |
| Q3 2016 | +0.6% | -3.7% | +16.3% | |
| Q2 2016 | -0.0% | -0.4% | +2.2% | |
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