JPM vs. PNFP: JPMorgan Chase vs. Pinnacle Financial Partners Stock Comparison

Company Profile

JPMorgan Chase (JPM) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though JPM 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

JPMorgan Chase (JPM) at 18.01% sits in the top ROE quartile, while Pinnacle Financial Partners (PNFP) at 9.56% is closer to the peer norm — stronger capital efficiency for JPM.

JPMorgan Chase (JPM) at 34.59% 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 JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 7.32% 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 JPMorgan Chase (JPM) at 1.37% is in the bottom quartile, showing a clear gap in earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: JPMorgan Chase (JPM) 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: JPMorgan Chase (JPM) 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

Both JPMorgan Chase (JPM) at 1.82% and Pinnacle Financial Partners (PNFP) at 1.72% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both JPMorgan Chase (JPM) at 25.80% and Pinnacle Financial Partners (PNFP) at 23.29% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Pinnacle Financial Partners (PNFP) at 13.47 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 14.03 sits in the richer quartile — JPM needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) at 2.53 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics