BBD vs. PNFP: Banco Bradesco vs. Pinnacle Financial Partners Stock Comparison

Company Profile

Banco Bradesco (BBD) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though BBD is classified under Diversified Banks while PNFP falls under Regional Banks.

Pinnacle Financial Partners (PNFP) trades as ordinary local shares, while Banco Bradesco (BBD) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Bradesco (BBD) at 14.20% sits in the top ROE quartile, while Pinnacle Financial Partners (PNFP) at 9.56% is closer to the peer norm — stronger capital efficiency for BBD.

Banco Bradesco (BBD) at 27.27% keeps about the industry-typical share of revenue as profit, while Pinnacle Financial Partners (PNFP) at 25.54% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Bradesco (BBD) in Banks and Pinnacle Financial Partners (PNFP) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Banco Bradesco (BBD) at 11.85% and Pinnacle Financial Partners (PNFP) at 17.76% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both Banco Bradesco (BBD) at 37.42% and Pinnacle Financial Partners (PNFP) at 35.40% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bradesco (BBD) in Banks and Pinnacle Financial Partners (PNFP) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco Bradesco (BBD) in Banks and Pinnacle Financial Partners (PNFP) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Pinnacle Financial Partners (PNFP) at 1.72% pays an industry-typical yield; Banco Bradesco (BBD) at 53.03% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Banco Bradesco (BBD) at 53.52% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Banco Bradesco (BBD) at 5.64 trades below its industry P/E ratio range, while Pinnacle Financial Partners (PNFP) at 13.47 is closer to a normal peer multiple — a clearer earnings-valuation discount for BBD, subject to growth and earnings quality.

P/S ratio is set aside for both Banco Bradesco (BBD) in Banks and Pinnacle Financial Partners (PNFP) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Relative to net asset value, both Banco Bradesco (BBD) at 0.69 and Pinnacle Financial Partners (PNFP) at 1.10 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

Valuation Metrics