Pinnacle Financial Partners, Inc. · NYSE:PNFP
Pinnacle Financial Partners — Shareholder Meeting (2026)
21 slides from Pinnacle Financial Partners's shareholder meeting presentation, 2026
Slide 1: 2026 Annual Meeting
-innacle FINANCIAL PARTNERS 2026 Annual Meeting
Slide 2: Business Section
Business Pinnacle's 25th Merger with 2025 2026 Appendix Section Anniversary Synovus Performance Outlook Business Section Pinnacle Financial Partners | 2026
Slide 3: Proposals
• To elect as directors the 15 nominees named in the Proxy Statement • To approve the Pinnacle Financial Partners, Inc. 2026 Omnibus Plan • To hold an advisory vote on the compensation of the Proposals Company’s named executive officers • To hold an advisory vote on the frequency of the advisory vot
Slide 4: Forward-Looking Statements
Forward-Looking Statements This slide presentation and certain of our other filings with the Securities and Exchange Commission contain statements that constitute "forward-looking statements" within the meaning of, and subject to the protections of, Section 27A of the Securities Act of 1933, as amen
Slide 5: Use of Non-GAAP Financial Measures
Use of Non-GAAP Financial Measures This slide presentation contains certain non-GAAP financial measures determined by methods other than in accordance with generally accepted accounting principles. Such non-GAAP financial measures include the following: adjusted net income available to common shareh
Slide 6: Pinnacle Financial Partners
Pinnacle Financial Partners • Highly Successful Operating and Recruiting Model That Generates Above-Peer Revenue, EPS and TBV Growth • One of the Most Economically Vibrant Footprints in the Banking Industry • Regional Bank Employer of Choice with Industry- Leading Client Service • Healthy Capital Ge
Slide 7: Pinnacle's 25th Anniversary
Business Pinnacle's 25th Merger with 2025 2026 Appendix Section Anniversary Synovus Performance Outlook Pinnacle's 25th Anniversary Pinnacle Financial Partners | 2026
Slide 8: einnacle
einnacle FINANCIAL PARTNERS
Slide 9: Merger with Synovus Financial Corp.
Business Pinnacle's 25th Merger with 2025 2026 Appendix Section Anniversary Synovus Performance Outlook Merger with Synovus Financial Corp. Pinnacle Financial Partners | 2026
Slide 10: Merger Benefits
Merger Benefits Creates a scaled Southeast Combines a proven Delivers compelling growth platform with operating and recruiting shareholder value through complementary markets and model with strengthened stronger earnings power, limited overlap, enhancing capital and infrastructure to disciplined exe
Slide 11: 2025 Performance
Business Pinnacle's 25th Merger with 2025 2026 Appendix Section Anniversary Synovus Performance Outlook 2025 Performance Pinnacle Financial Partners | 2026
Slide 12: 2025 Financial Highlights
2025 Financial Highlights Core Growth Operating Metrics 10% 11% Fee Growth Loan Growth Deposit Growth 18% 55% Efficiency Ratio - TE Continued Adherence to Wealth Management Guiding Credit and Capital Principles Growth 1.17% Allowance for Credit Losses at YE25 54 % 20% Adjusted Efficiency 0.21% Net C
Slide 13: Coalition Greenwich Recognition
Coalition Greenwich Recognition No. 1 Legacy Outstanding results in the Pinnacle midst of a pending merger Net Promoter Score of 83 No. 1 NPS score in the Southeast Pinnacle was the most awarded institution out of more than 500 banks nationwide Source: Coalition Greenwich Voice of Client - 2025 U.S.
Slide 14: Fortune Best Companies to Work For 2026
Source: 2026 Fortune 100 Best Companies to Work For® 14
Slide 15: 2026 Outlook
Business Pinnacle's 25th Merger with 2025 2026 Appendix Section Anniversary Synovus Performance Outlook 2026 Outlook Pinnacle Financial Partners | 2026
Slide 16: 2026 Guidance
2026 Guidance 2026 Outlook Notes Period-End $91.0B - $93.0B • Represents 9%-11% loan growth (excluding the Day 1 purchase accounting loan mark) Loans (Ex Loan Mark) Period-End $106.5B - $108.5B • Represents 8%-10% total deposit growth Deposits • Assumes NIM of ~3.50% in 2026; No rate cuts assumed fo
Slide 17: Revenue Producer Hiring a Key Focus
Revenue Producer Hiring a Key Focus 50 Hires Made in 1Q26 37 New Hires or Accepted Offers Since Quarter-End(1) 250-275 225-250 Note: The PNFP-SNV merger closed on January 1, 2026; Source: PNFP internal data; (1) Revenue producer hires/acceptances since April 1, 2026 were measured as of April 17 17
Slide 18: First Quarter 2026 Financial Highlights
First Quarter 2026 Financial Highlights Strong Earnings Solid Loan and Sound Credit Per Share Deposit Growth Quality and Capital $0.89 +10% 0.23% / 0.58% 1Q26 Annualized 1Q26 Diluted Period-End 1Q26 NCO Ratio(4) Earnings Per Share Loan Growth(2)(5) 1Q26 NPA Ratio(4) $2.39 +8% 9.81% / 9.59% 1Q26 Annu
Slide 19: Appendix
Business Pinnacle's 25th Merger with 2025 2026 Appendix Section Anniversary Synovus Performance Outlook Appendix Pinnacle Financial Partners | 2026
Slide 20: Non-GAAP Financial Measures, Continued
Non-GAAP Financial Measures, Continued ($ in thousands) 2025 2024 Total non-interest revenue $506,590 $371,178 Investment securities (gains) losses, net 16,611 71,854 Recognition of mortgage servicing asset — (11,812) Adjusted non-interest revenue $523,201 $431,220 Total non-interest expense $1,167,
Slide 21: Non-GAAP Financial Measures
Non-GAAP Financial Measures ($ in millions) 1Q26 4Q25 1Q25 Net income available to common shareholders $135 $166 $136 Subtract/add: Valuation adjustment to Visa derivative 1 — — Investment securities losses (gains), net (3) 4 13 Merger-related expense(1) 275 13 — FDIC Special Assessment — (8) — Tax
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