Pinnacle Financial Partners, Inc. (PNFP) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning and welcome to the Pinnacle Financial Partners fourth quarter 2025 earnings call. All participants will be in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing star zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your touch-tone phone. To withdraw your question, please press star then two. Please note this event is being recorded. We'd like to limit this call to approximately one hour. I'll now turn the call over to Jennifer Demba, Senior Director, Investor Relations. Please go ahead. Thank you and good morning. During today's call, we will reference the presentation and press release that are available within the Investor Relations section of our website, pnfp.com. President and Chief Executive Officer Kevin Blair will discuss our newly combined company's future and and outline our 2026 financial outlook. Chief Financial Officer Jamie Gregory will review Pinnacle and Sunovus' stand-alone fourth quarter 2025 results. Finally, Chairman Terry Turner will make some closing remarks, and then our team will be available to answer your questions. Our comments include forward-looking statements. These statements are subject to risks and uncertainties, and the actual results could vary materially. We list these factors that might cause results to differ materially in our press release and in our SEC filings. which are available on our website. We do not assume the obligation to update any forward-looking statements because of new information, early developments, or otherwise, except as may be required by law. During the call, we will reference non-GAAP financial measures related to the company's performance. You may see the reconcilia...