HSBC vs. PNFP: HSBC vs. Pinnacle Financial Partners Stock Comparison

Company Profile

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

Pinnacle Financial Partners (PNFP) trades as ordinary local shares, while HSBC (HSBC) 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

HSBC (HSBC) at 14.22% sits in the top ROE quartile, while Pinnacle Financial Partners (PNFP) at 9.56% is closer to the peer norm — stronger capital efficiency for HSBC.

HSBC (HSBC) at 41.16% keeps a top-quartile share of each sales dollar as profit, while Pinnacle Financial Partners (PNFP) at 25.54% keeps a bottom-quartile share.

Neither side reports a meaningful operating margin: for HSBC (HSBC) 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 HSBC (HSBC) at 5.38% 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 HSBC (HSBC) at -3.23% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: HSBC (HSBC) 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: HSBC (HSBC) 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 a yield in its industry’s typical range, while HSBC (HSBC) at 0.86% falls in the bottom quartile of its peers.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while HSBC (HSBC) at 53.57% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both HSBC (HSBC) at 11.38 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 HSBC (HSBC) 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 sits in the lower P/B ratio quartile relative to book while HSBC (HSBC) at 6.87 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics