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Pinnacle Financial Partners (PNFP) guidance and outlook

Pinnacle Financial Partners' 10-K filed Mar 2, 2026 makes 38 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-K filed Mar 2, 2026

• Based on the revised guidance, we updated the accrual of the FDIC special assessment and reduced deposit-related expense by $7.5 million.
• The increase is primarily the result of loans made to borrowers that principally operate or are located in the markets in which we have recently entered or expanded our presence, increases in the number of relationship advisors we employ and continued focus on attracting new customers to our company, including those targeted by our franchise and leasing segments.
• The allowance for credit losses on loans reflects management’s estimate of the the amount of credit losses expected to be recognized over the remaining life of the loans in our portfolio.
• There are factors beyond our control, such as changes in projected economic conditions, real estate markets or particular industry conditions which may materially impact asset quality and the adequacy of the allowance for credit losses on loans and thus the resulting provision for credit losses.
• The provision for credit losses represents a charge to earnings necessary to establish an allowance for credit losses that, in management's evaluation, is adequate to provide coverage for all expected credit losses.
• Provision expense is impacted by organic loan growth in our loan portfolio, our internal assessment of the credit quality of the loan portfolio, recent historical and projected future economic conditions and net charge-offs.
• Our allowance for credit losses on loans reflects an amount deemed appropriate to adequately cover all expected future losses in the loan portfolio as of the date the allowance is determined based on our allowance for credit losses assessment methodology.
• For any securities classified as available-for-sale that are in an unrealized loss position at the balance sheet date, we assess whether or not we intend to sell the security, or more likely than not will be required to sell the security, before recovery of its amortized cost basis which would require a write-down to fair value through net income.
• Because we did not intend to sell those available-for-sale securities that had an unrealized loss at December 31, 2025, and it was not more-likely-than-not that we would be required to sell the securities before recovery of their amortized cost bases, which may be maturity, we determined as of December 31, 2025 that no write-down was necessary.
• We anticipate that BHG will complete additional securitizations in the future or otherwise establish other borrowing facilities to facilitate the retention of additional loans on BHG's balance sheet.
• As a result, and unlike many other financial institutions, all of our bank's non-commissioned team members participated in our annual cash incentive plan in 2025 and 2024 with a minimum targeted bonus equal to 10% of each associate's annual salary, and nearly all of our bank's team members participated in our equity compensation plans in 2025 and 2024.
• Historically, we have paid between 0% and 125% of our targeted incentives.

Pinnacle Financial Partners' latest quarter

Questions

What does Pinnacle Financial Partners expect?

Based on the revised guidance, we updated the accrual of the FDIC special assessment and reduced deposit-related expense by $7.5 million. The increase is primarily the result of loans made to borrowers that principally operate or are located in the markets in which we have recently entered or expanded our presence, increases in the number of relationship advisors we employ and continued focus on attracting new customers to our company, including those targeted by our franchise and leasing segments. The allowance for credit losses on loans reflects management’s estimate of the the amount of cre

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.