BSBR vs. PNFP: Banco Santander (Brasil) vs. Pinnacle Financial Partners Stock Comparison

Company Profile

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

Pinnacle Financial Partners (PNFP) trades as ordinary local shares, while Banco Santander (Brasil) (BSBR) 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

Both Banco Santander (Brasil) (BSBR) at 10.20% 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.

Banco Santander (Brasil) (BSBR) at 27.53% 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at -3.79% 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 Santander (Brasil) (BSBR) at -4.61% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) 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 Santander (Brasil) (BSBR) at 5.60% 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, BSBR the richer one.

Banco Santander (Brasil) (BSBR) reports payout ratio above 100% at 143.10%, meaning dividends exceeded current-period earnings and sustainability needs extra context. Meanwhile Pinnacle Financial Partners (PNFP) reports 23.29%, ranking against industry peers normally.

Dividend Metrics

Valuation

Pinnacle Financial Partners (PNFP) at 13.47 is near its industry’s usual P/E ratio, while Banco Santander (Brasil) (BSBR) at 14.97 sits in the richer quartile — BSBR needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Banco Santander (Brasil) (BSBR) 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.

Banco Santander (Brasil) (BSBR) at 0.34 is priced below its industry’s P/B ratio range against book, and Pinnacle Financial Partners (PNFP) at 1.10 also sits in the lower quartile — both look cheap on assets, BSBR more so.

Valuation Metrics