BMO vs. PNFP: Bank of Montreal vs. Pinnacle Financial Partners Stock Comparison

Company Profile

Bank of Montreal (BMO) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though BMO is classified under Diversified Banks while PNFP falls under Regional Banks.

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

Both Bank of Montreal (BMO) at 10.57% and Pinnacle Financial Partners (PNFP) at 9.56% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Bank of Montreal (BMO) at 25.66% and Pinnacle Financial Partners (PNFP) at 25.54% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) 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 Bank of Montreal (BMO) at 12.67% 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.

Pinnacle Financial Partners (PNFP) at 35.40% sits in the top EPS growth quartile, while Bank of Montreal (BMO) at 20.29% 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: Bank of Montreal (BMO) 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: Bank of Montreal (BMO) 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

Bank of Montreal (BMO) at 3.87% 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, BMO the richer one.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Bank of Montreal (BMO) at 54.44% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Pinnacle Financial Partners (PNFP) at 13.47 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.

P/S ratio is set aside for both Bank of Montreal (BMO) 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 Bank of Montreal (BMO) at 1.97 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics