Pinnacle Financial Partners (PNFP)

What Pinnacle Financial Partners does

Pinnacle Financial Partners is a regional financial holding company headquartered in Nashville, Tennessee (relocated to Atlanta, Georgia as of the 2026 merger). The company operates through Pinnacle Bank, a Tennessee state-chartered bank and Federal Reserve member bank, providing branch banking services across approximately 141 offices throughout the Southeast. The company was formed on January 1, 2026, through the merger of Legacy Pinnacle Financial Partners, Inc. and Synovus Financial Corp., and conducts traditional banking operations including commercial and industrial lending, retail banking, and payment services.

Fundamentals

• Price$100.37 as of 2026-07-09 close
• Market cap$15.0B as of 2026-07-10
• 1-year return-15.4% as of 2026-07-09 close
• P/E22.98 as of 2026-07-10
• Net margin+35.6% as of 2026-07-10
• ROE+7.4% as of 2026-07-10
• Debt / equity0.02 as of 2026-07-10
• Revenue growth (YoY)+82.7% as of 2026-07-10
• Beta1.04 as of 2026-07-10

Dividend: yield +2.0%; pays a dividend.

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Key risks (from latest filing)

["Merger integration complexity and execution risk from the January 2026 combination of Legacy Pinnacle and Synovus, which nearly doubled the asset base and requires significant operational consolidation","Credit risk exposure from commercial real estate and commercial/industrial lending portfolios, which are sensitive to economic downturns","Interest rate and liquidity risk given the company's deposit and lending operations; changes in Federal Reserve monetary policy directly impact net interest margins and funding costs"]

See PNFP's biggest risks from its latest 10-Q →

Competitors & peers

• Bank of America (BAC)
• Wells Fargo (WFC)
• Fifth Third Bancorp (FITB)
• Truist Financial (TFC)
• BB&T
• Morgan Stanley (MS)

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