ITUB vs. PNFP: Itaú Unibanco vs. Pinnacle Financial Partners Stock Comparison

Company Profile

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

Pinnacle Financial Partners (PNFP) trades as ordinary local shares, while Itaú Unibanco (ITUB) 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

Itaú Unibanco (ITUB) at 20.96% clears its industry range for ROE, a sharper capital-efficiency signal than Pinnacle Financial Partners (PNFP) at 9.56%, which is closer to a typical peer reading.

Itaú Unibanco (ITUB) at 32.46% 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 Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) at 4.21% 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 Itaú Unibanco (ITUB) at 9.21% 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: Itaú Unibanco (ITUB) 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: Itaú Unibanco (ITUB) 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 an industry-typical yield; Itaú Unibanco (ITUB) at 40.54% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Itaú Unibanco (ITUB) at 70.75% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Itaú Unibanco (ITUB) at 9.12 sits in the cheaper P/E ratio quartile, while Pinnacle Financial Partners (PNFP) at 13.47 is closer to its industry’s usual earnings multiple — a discount for ITUB, though growth and earnings durability still matter.

P/S ratio is set aside for both Itaú Unibanco (ITUB) 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 Itaú Unibanco (ITUB) at 1.79 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics