FNB vs Pinnacle Financial Partners
FNB and PNFP side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FNB and PNFP compare
Pinnacle Financial Partners is the larger company, worth 2.4 times as much as FNB ($15.4B against $6.4B).
On earnings, FNB is cheaper: it trades at 10.8× trailing earnings, against 14.0× for Pinnacle Financial Partners.
Pinnacle Financial Partners grew revenue faster over the last twelve months (83.7% versus 11.8% for FNB).
FNB keeps more of each dollar of sales as profit, with a net margin of 33.0% compared with 23.4% at Pinnacle Financial Partners.
Both pay dividends: FNB yields 2.8% and Pinnacle Financial Partners 1.7%.
FNB scores higher on the StockData Score (21 against 11 for Pinnacle Financial Partners), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FNB | PNFP |
|---|---|---|
| Size and price | ||
| Market cap | $6.4B | $15.4B |
| Share price | $18.06 | $101.66 |
| Change, 1 year | 16.6% | 20.5% |
| Change, 5 years | 45.1% | 2.3% |
| Beta (5Y) | 0.89 | 1.07 |
| Employees | 4,282 | 1,065 |
| StockData Score | ||
| Total score | 21 (better) | 11 |
| Valuation score | 5 (better) | 2 |
| Growth score | 2 | 2 |
| Performance score | 4 (better) | 1 |
| Health score | 6 (better) | 3 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 10.8× (better) | 14.0× |
| P/S | 3.5× (better) | 4.4× |
| P/B | 0.9× (better) | 1.0× |
| P/FCF | 10.2× (better) | 10.6× |
| PEG | 1.26 (better) | 3.49 |
| FCF yield | 9.8% (better) | 9.4% |
| Fair value | $19.93 | $102.06 |
| Margin of safety | 9.4% (better) | 0.39% |
| Growth | ||
| Revenue growth (TTM) | 11.8% | 83.7% (better) |
| Revenue growth, 5Y average | 7.7% | 12.5% (better) |
| Net income growth (TTM) | 29.3% | 37.5% (better) |
| EPS growth (TTM) | 31.3% (better) | −3.3% |
| EPS growth, 5Y average | 12.9% | 14.9% (better) |
| Profitability | ||
| Net margin | 33.0% (better) | 23.4% |
| FCF margin | 34.0% | 41.3% (better) |
| Return on equity | 9.0% (better) | 7.6% |
| Financial health | ||
| Debt / equity | 0.39 | – |
| Altman Z-score | 0.19 (better) | 0.15 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.8% (better) | 1.7% |
| Payout ratio | 29.3% | 22.7% |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | 0.00% | – |
| Buyback yield | 1.8% | – |
| Shareholder yield | 4.5% (better) | 1.7% |
| Ownership | ||
| Held by institutions | 93.2% | 88.1% |
| Held by insiders | 1.6% | 0.95% |
| Insider net buying, 12 months | −$1.4M (better) | −$17.8M |
| Short interest, % of float | 6.8% | 3.8% |
Go deeper
- FNB stock overview
- FNB income statement
- FNB valuation and score
- PNFP stock overview
- PNFP income statement
- PNFP valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.