BBVA vs. PNFP: Banco Bilbao Vizcaya Argentaria vs. Pinnacle Financial Partners Stock Comparison

Company Profile

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

Pinnacle Financial Partners (PNFP) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) 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 Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while Pinnacle Financial Partners (PNFP) at 9.56% is closer to the peer norm — stronger capital efficiency for BBVA.

Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% 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 Bilbao Vizcaya Argentaria (BBVA) 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

Pinnacle Financial Partners (PNFP) at 17.76% is around its peer norm for revenue growth, while Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Pinnacle Financial Partners (PNFP) at 35.40% sits in the top EPS growth quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% is closer to the peer norm — faster per-share earnings growth for PNFP.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) 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 Bilbao Vizcaya Argentaria (BBVA) 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

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% delivers top-quartile income for its industry, while Pinnacle Financial Partners (PNFP) at 1.72% pays a more typical yield — both are credible income propositions, BBVA the richer one.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 and Pinnacle Financial Partners (PNFP) at 13.47 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) 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.

Pinnacle Financial Partners (PNFP) at 1.10 looks cheap against book in the lower P/B ratio quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics