Welcome to our dedicated page for Pinnacle Finl Partners SEC filings (Ticker: PNFP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Pinnacle Financial Partners, Inc. (PNFP) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a regional bank holding company. Pinnacle files with the U.S. Securities and Exchange Commission in connection with its common stock and preferred stock listings, its merger with Synovus Financial Corp., and its ongoing reporting obligations as a public company.
Investors can review current reports on Form 8-K where Pinnacle has documented key corporate events, including the Agreement and Plan of Merger with Synovus, shareholder votes on the transaction, regulatory approvals from the Board of Governors of the Federal Reserve System and state banking regulators, and the closing of the combined holding company and bank mergers. Other 8-K filings cover topics such as quarterly earnings releases, dividend declarations and supplemental proxy disclosures.
In addition to event-driven 8-Ks, Pinnacle’s periodic reports on Forms 10-K and 10-Q (accessible via the SEC’s EDGAR system) contain detailed information on its financial condition, results of operations, risk factors and capital structure. These filings are particularly relevant for understanding PNFP as a regional bank with a footprint across nine southeastern and Atlantic Coast states and a mix of commercial and consumer clients.
On Stock Titan, AI-powered tools summarize complex filings so users can quickly identify the main points in lengthy documents, such as merger-related disclosures, capital markets information and risk discussions. The platform also highlights new filings as they are posted to EDGAR, helping users track PNFP’s ongoing reporting, including any Forms 4 or proxy materials referenced in the company’s communications.
Pinnacle Financial Partners (PNFP) reported strong third-quarter momentum alongside its planned merger with Synovus. Linked‑quarter annualized growth was 14.5% for noninterest‑bearing deposits, 10.6% for core deposits, 8.9% for loans, 31.5% for revenue and 54% for adjusted EPS. Net interest margin rose 3 bps to 3.26%.
Management raised several 2025 outlook items: end‑of‑period loan growth to 9%–10%, total deposits to 8%–10%, and net interest income growth to 13%–14% over 2024. Non‑interest income guidance increased to 20%–22%, with BHG contributing over $40 million in Q3 fees and estimated at approximately $30 million in Q4 non‑interest income; BHG 2025 earnings growth is guided to about 85%–90% versus 2024. Credit remained benign with Q3 net charge‑offs at 18 bps; full‑year NCO outlook stays at 18–20 bps, and provision to average loans is guided to 26–27 bps.
Expenses are projected at $1.15–$1.155 billion for 2025 with an effective tax rate in the low 18% range. Hiring and retention stayed solid, and integration work advances toward an anticipated first‑quarter close, including a special shareholder meeting on November 6.
Pinnacle Financial Partners, Inc. (PNFP) filed an 8-K to furnish its press release announcing results of operations for the three and nine months ended September 30, 2025. The press release was issued on October 15, 2025 and is attached as Exhibit 99.1.
The filing is made under Item 2.02 (Results of Operations and Financial Condition). PNFP’s common stock trades on Nasdaq under PNFP, and its depositary shares representing a 1/40th interest in Series B preferred trade under PNFPP.
Pinnacle Financial Partners and Synovus Financial announced a definitive agreement to combine into a newly formed Georgia corporation, Steel Newco Inc. ("Newco"), through simultaneous mergers that will result in Newco as the surviving public company trading on the NYSE under "PNFP." Under the deal, Pinnacle shareholders receive 1.0 Newco share per Pinnacle share and Synovus shareholders receive 0.5237 Newco shares per Synovus share, implying a Synovus transaction value of $8.6 billion and an approximate 10% premium based on an unaffected Synovus price on July 21, 2025.
The structure contemplates Newco preferred and depositary share conversions, accounting with Pinnacle as the accounting acquirer, expected pro forma issuance of ~150,255,729 Newco shares, and an expected post-close ownership split of ~51.5% former Pinnacle and ~48.5% former Synovus. Closing is subject to shareholder approvals, regulatory clearances (including the Federal Reserve) and other customary conditions; a $425 million termination fee applies in certain circumstances.
Pinnacle Financial Partners and Synovus issued a joint investor presentation dated August 27, 2025 providing supplemental information about their previously announced business combination. The presentation is attached as Exhibit 99.1 to this Current Report on Form 8-K and is furnished, not filed. The report expressly states that the exhibit and related Item 7.01 disclosures are forward-looking and contain projections and expectations about the transaction, including anticipated impacts on earnings and tangible book value, timing, and the combined company’s plans. The filing also clarifies that the furnished material is not "filed" for purposes of Section 18 and will not be incorporated by reference into other filings unless explicitly referenced.
Gregory L. Burns, a director of Pinnacle Financial Partners (PNFP), reported an open-market purchase of common stock on 08/15/2025. The filing shows Mr. Burns acquired 652 shares at a price of $92.50 per share. After the transaction he beneficially owned 21,384 shares directly. The filing also reports an indirect holding of 174 shares held in a spouse IRA. The transaction is reported on a Form 4 under Section 16, indicating a change in insider ownership rather than an operational disclosure.
Insider purchases reported for Pinnacle Financial Partners (PNFP). Director David B. Ingram executed purchases of PNFP common stock on 08/07/2025 totaling 22,000 shares at a weighted average price of $90.09, with individual trade prices ranging from $89.68 to $90.50. The filing discloses that these purchases were made in multiple transactions and that further breakdowns are available on request.
The filing also shows beneficial ownership after the transactions of 63,692 shares held directly, 79,728 shares held indirectly via the Ingram Trust, and 2,000 shares held indirectly by spouse. In addition, 120,000 depositary shares were purchased in an underwritten public offering; each depositary share represents a 1/40th interest in the Issuer’s 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B.