ING vs. PNFP: ING Groep vs. Pinnacle Financial Partners Stock Comparison

November 11, 2026

How do ING Groep (ING) and Pinnacle Financial Partners (PNFP) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

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

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

Company profile comparison for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Profile Item	ING	PNFP
Name	ING Groep N.V. Sponsored ADR	Pinnacle Financial Partners Inc.
Country/Region	Netherlands	United States
GICS Sector	Financials	Financials
GICS Industry Group	Banks	Banks
GICS Industry	Banks	Banks
GICS Sub-Industry	Diversified Banks	Regional Banks
Market Capitalization	90.37 billion USD	15.21 billion USD
Currency	USD	USD
Exchange	NYSE	Nasdaq
Listing Date	May 18, 1994	August 22, 2000
Security Type	ADR	Common Stock

Price Performance

Cumulative Growth

ING

PNFP

GSPC

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for ING Groep (ING) and Pinnacle Financial Partners (PNFP). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for ING Groep (ING) and Pinnacle Financial Partners (PNFP). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
Total Return (1Y)	34.23%	22.69%
Total Return (3Y, Annualized)	44.65%	18.81%
Total Return (5Y, Annualized)	24.74%	2.40%

Risk Profile

Drawdown History

ING

PNFP

GSPC

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for ING Groep (ING) and Pinnacle Financial Partners (PNFP). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
Volatility (1Y, Annualized)	28.52%	26.95%
Beta (5Y)	0.85	1.02
Max Drawdown (5Y)	-43.39%	-57.43%
Avg. Volume (3M)	2.24M	1.05M

Risk-Adjusted Performance

Risk-Return Positioning

ING and PNFP are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
Sharpe Ratio (1Y)	1.05	0.68
Sortino Ratio (1Y)	1.67	0.99

Profitability

ROE (TTM)

ING Groep (ING) at 17.76% sits in the top ROE quartile, while Pinnacle Financial Partners (PNFP) at 9.56% is closer to the peer norm — stronger capital efficiency for ING.

ING

Banks industry group

17.76%

Max: 19.84%
ING: 17.76%
Q3: 13.67%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

PNFP

Banks industry group

9.56%

Max: 19.84%
Q3: 13.67%
Median: 11.49%
PNFP: 9.56%
Q1: 9.50%
Min: 3.64%

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their ROE against the Banks industry group benchmark.

Net Margin (TTM)

ING Groep (ING) at 34.40% keeps about the industry-typical share of revenue as profit, while Pinnacle Financial Partners (PNFP) at 25.54% retains only a bottom-quartile share.

ING

Banks industry group

34.40%

Max: 47.19%
Q3: 35.25%
ING: 34.40%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

PNFP

Banks industry group

25.54%

Max: 47.19%
Q3: 35.25%
Median: 31.21%
Q1: 27.11%
PNFP: 25.54%
Min: 14.93%

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their net margin against the Banks industry group benchmark.

Operating Margin (TTM)

Neither side reports a meaningful operating margin: for ING Groep (ING) 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

Profitability metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
ROE (TTM)	17.76%	9.56%
ROA (TTM)	0.79%	1.10%
Net Margin (TTM)	34.40%	25.54%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Pinnacle Financial Partners (PNFP) at 17.76% is around its peer norm for revenue growth, while ING Groep (ING) at 1.55% drops into the bottom quartile, signaling weaker demand or pricing momentum.

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their Revenue Growth across different time periods.

EPS Growth

Pinnacle Financial Partners (PNFP) at 35.40% sits in the top EPS growth quartile, while ING Groep (ING) at 7.07% is closer to the peer norm — faster per-share earnings growth for PNFP.

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
Revenue Growth (YoY)	1.55%	17.76%
Revenue Growth (3Y CAGR)	6.63%	11.15%
EPS Growth (YoY)	7.07%	35.40%
EPS Growth (3Y CAGR)	28.04%	4.02%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: ING Groep (ING) 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 / Equity (MRQ)

debt-to-equity ratio is set aside for both: ING Groep (ING) 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

Financial strength metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

ING Groep (ING) at 4.55% 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, ING the richer one.

ING

Banks industry group

4.55%

Max: 5.79%
ING: 4.55%
Q3: 3.18%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

PNFP

Banks industry group

1.72%

Max: 5.79%
Q3: 3.18%
Median: 2.39%
PNFP: 1.72%
Q1: 1.20%
Min: 0.00%

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their dividend yield against the Banks industry group benchmark.

Dividend Payout Ratio (TTM)

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while ING Groep (ING) at 48.14% distributes more than its industry norm — less retained, thinner cover.

ING

Banks industry group

48.14%

Max: 70.75%
ING: 48.14%
Q3: 41.28%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

PNFP

Banks industry group

23.29%

Max: 70.75%
Q3: 41.28%
Median: 29.26%
PNFP: 23.29%
Q1: 18.98%
Min: 0.00%

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their payout ratio against the Banks industry group benchmark.

Dividend Metrics

Dividend metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
Dividend Yield (TTM)	4.55%	1.72%
Dividend Payout Ratio (TTM)	48.14%	23.29%

Valuation

P/E Ratio (TTM)

Both ING Groep (ING) at 11.70 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.

ING

Banks industry group

11.70

Max: 18.16
Q3: 13.75
Median: 11.81
ING: 11.70
Q1: 10.64
Min: 6.49

PNFP

Banks industry group

13.47

Max: 18.16
Q3: 13.75
PNFP: 13.47
Median: 11.81
Q1: 10.64
Min: 6.49

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their P/E ratio against the Banks industry group benchmark.

P/S Ratio (TTM)

P/S ratio is set aside for both ING Groep (ING) 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.

P/B Ratio (MRQ)

Pinnacle Financial Partners (PNFP) at 1.10 looks cheap against book in the lower P/B ratio quartile, while ING Groep (ING) at 1.61 carries a premium in the upper quartile — a clear price-to-book gap.

ING

Banks industry group

1.61

Max: 2.28
ING: 1.61
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59

PNFP

Banks industry group

1.10

Max: 2.28
Q3: 1.58
Median: 1.32
Q1: 1.10
PNFP: 1.10
Min: 0.59

ING Groep (ING) vs. Pinnacle Financial Partners (PNFP): A comparison of their P/B ratio against the Banks industry group benchmark.

Valuation Metrics

Valuation metrics for ING Groep (ING) and Pinnacle Financial Partners (PNFP)
Metric	ING	PNFP
P/E Ratio (TTM)	11.70	13.47
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.61	1.10
Free Cash Flow Yield (TTM)	--	--