Pinnacle Financial Partners (PFZ0) Risk Analysis
Risk Overview Q2, 2026
Source: the company's latest filing for the period ended Jun 30, 2026, filed Aug 04, 2026
Risk Change Over Time
Risk Highlights Q2, 2026
Risk Word Cloud
Risk Factors Full Breakdown - Total Risks 44
- Share Price & Shareholder Rights - Risk 1A decline in our stock price or expected future cash flows, or a material adverse change in our results of operations or prospects, could result in impairment of our goodwill.
A significant and sustained decline in our stock price and market capitalization below book value, a significant decline in our expected future cash flows, a significant adverse change in the business climate, slower growth rates or other factors could result in impairment of our goodwill. At December 31, 2025, our goodwill and other identifiable intangible assets totaled approximately $1.9 billion. If we were to conclude that a write-down of our goodwill is necessary, then the appropriate charge would likely cause a material loss. Any significant loss would adversely impact the capacity of Pinnacle Bank to pay dividends to Pinnacle Financial without seeking prior regulatory approval, which could adversely affect Pinnacle Financial's ability to pay required interest payments on its outstanding indebtedness or to continue to pay dividends to its common and preferred shareholders.
- Share Price & Shareholder Rights - Risk 2The price of our capital stock may be volatile or may decline.
The trading price of our capital stock may fluctuate as a result of a number of factors, many of which are outside our control. In addition, the stock market is subject to fluctuations in trading volumes that affect the market prices of the shares of many companies. These broad market fluctuations could adversely affect the market price of our capital stock. Among the factors that could affect the price of the shares of our and New Pinnacle's common stock and the depositary shares representing fractional interests in our Series B Preferred Stock and New Pinnacle's Series C Preferred Stock are: –actual or anticipated quarterly fluctuations in our results of operations and financial condition;–changes in revenue or earnings estimates or publication of research reports and recommendations by financial analysts;–failure to meet analysts' or our own published estimates regarding earnings and the various financial measures that make up our earnings;–speculation in the press or investment community;–strategic actions by us or our competitors;–actions by institutional shareholders;–fluctuations in the stock price and operating results of our competitors;–general market conditions and, in particular, developments related to market conditions affecting the financial services industry;–market perceptions about the innovation economy, including levels of funding or "exit" activities of companies in the industries we serve;–proposed or adopted regulatory changes or developments;–changes in the political climate;–fallout from rising geopolitical tensions around the world, including the ongoing hostilities in Ukraine and the Middle East;–market reactions to social media messages or posts;–anticipated or pending investigations, proceedings or litigation that, directly or indirectly, involve or affect us; and –domestic and international economic and social factors unrelated to our performance. The trading price of the shares of our and New Pinnacle's common stock and the depositary shares representing fractional interests in our Series B Preferred Stock and New Pinnacle's Series C Preferred Stock and the value of our other securities has in the past depended, and may in the future depend, on many factors, which may change from time to time, including, without limitation, our financial condition, performance, creditworthiness and prospects, and future sales of our equity or equity-related securities. In some cases, the markets have produced downward pressure on stock prices and credit availability for certain issuers without regard to those issuers' underlying financial strength. A significant decline in our stock price could result in substantial losses for individual shareholders and could lead to costly and disruptive securities litigation, as well as the loss of key employees.
- Share Price & Shareholder Rights - Risk 3We and/or the holders of certain types of our securities could be adversely affected by unfavorable ratings from rating agencies.
At December 31, 2025, various ratings agencies regularly evaluate Pinnacle Financial and Pinnacle Bank, and their ratings of our company and certain of our debt and equity securities were based on a number of factors, including our financial strength as well as factors not entirely within our control, including conditions affecting the financial services industry generally. New Pinnacle will be subject to similar ratings agency evaluations. There can be no assurance that adverse changes in our published ratings will not occur in the future, which could adversely affect the cost and other terms upon which we are able to obtain funding, and the way in which we are perceived in the capital markets. Actual or anticipated changes, or downgrades in published credit ratings, including any announcement that the ratings are under review for a downgrade, could affect the market value and liquidity of our securities, increase our borrowing costs and negatively impact our profitability. Additionally, a downgrade of the published credit rating of any particular security issued by us or our subsidiaries could negatively affect the ability of the holders of that security to sell the securities and the prices at which any such securities may be sold.
- Share Price & Shareholder Rights - Risk 4An investment in the capital stock of a bank holding company is not an insured deposit and is not guaranteed by the FDIC.
An investment in the capital stock of a bank holding company is not a bank deposit and, therefore, is not insured against loss or guaranteed by the FDIC, any other deposit insurance fund or by any other public or private entity. An investment in the capital stock of a bank holding company is inherently risky for the reasons described herein and shareholders of such a company will bear the risk of loss if the value or market price of that capital stock is adversely affected.
See a full breakdown of risk according to category and subcategory. The list starts with the category with the most risk. Click on subcategories to read relevant extracts from the most recent report.
