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, Inc. (PNFP) filed a Form 13F-HR reporting institutional equity holdings. The filing lists a Form 13F Information Table Value Total of $4,753,029,212 and 1,060 information table entries, indicating the number of reportable positions. The report type is a 13F Holdings Report, meaning all of the manager’s reportable holdings are included.
The filing also notes 2 Other Included Managers: Pinnacle Bank and Pinnacle Wealth Advisors.
Pinnacle Financial Partners (PNFP) filed an 8‑K providing supplemental disclosures for its pending merger with Synovus via Newco. The S‑4 registration for Newco was declared effective on September 30, 2025, and both companies set special shareholder meetings for November 6, 2025. The updates address stockholder litigation and demand letters without admitting liability, aiming to avoid delays.
The filing summarizes valuation work referenced in the joint proxy/prospectus. Centerview noted analyst price targets for Synovus of $55.00–$70.00 (median $62.00) and for Pinnacle of $117.00–$145.00 (median $130.00). Morgan Stanley’s analyses indicated implied present values per share of $50.50–$61.50 for Synovus and $107.25–$130.00 for Pinnacle, based on terminal multiples and discount rates disclosed. Merger impact estimates show accretion to Pinnacle’s EPS by approximately 24% in 2026 and 21% in 2027, with dilution to tangible book value per share of 9% and to CET1 of 131 basis points.
Pinnacle Financial Partners filed an 8-K describing supplemental disclosures to the joint proxy statement/prospectus for its pending merger with Synovus Financial Corp. and Steel Newco Inc. Three shareholder lawsuits and several demand letters allege disclosure deficiencies in the original proxy materials. Pinnacle, Synovus and Newco state they believe these claims are without merit but are providing additional information to avoid delays and litigation costs.
The added detail includes valuation and fairness-analysis data from Centerview and Morgan Stanley. Analysts’ share price targets cited for Synovus range from $55.00 to $70.00 with a median of $62.00, and for Pinnacle from $117.00 to $145.00 with a median of $130.00. Morgan Stanley’s merger-impact work indicates the deal is projected to increase Pinnacle’s 2026 and 2027 earnings per share by approximately 24% and 21%, respectively, while reducing tangible book value per share by about 9% and its common equity Tier 1 ratio by about 131 basis points.
Pinnacle Financial Partners (PNFP) reported an insider Form 4 showing a gift of 2,000 shares (Code G) on 10/20/2025 at $0. After the transaction, the reporting person held 23,707 shares directly, plus 6,971 shares indirectly by Children and 13,087 shares indirectly by Boxley Family, LLC. No derivative securities were listed.
Pinnacle Financial Partners (PNFP) director G. Kennedy Thompson purchased 5,000 shares of common stock on October 20, 2025 at a weighted average price of $87.63.
After the transaction, he directly owns 33,372 PNFP common shares. Indirect holdings include 2,000 common shares and 20,000 depositary shares held by his spouse; each depositary share represents a 1/40th interest in the Issuer’s 6.75% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series B.
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.