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

Company Profile

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

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

Capital efficiency shows on one side only: Pinnacle Financial Partners (PNFP) earns 9.56% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

Both KB Financial (KB) at 17.25% and Pinnacle Financial Partners (PNFP) at 25.54% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.

Neither side reports a meaningful operating margin: for KB Financial (KB) 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 KB Financial (KB) at 5.61% 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 KB Financial (KB) at 27.83% 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: KB Financial (KB) 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: KB Financial (KB) 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; KB Financial (KB) at 1,434.96% 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.

Both KB Financial (KB) at 26.89% 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

KB Financial (KB) at 9.55 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 KB, though growth and earnings durability still matter.

P/S ratio is set aside for both KB Financial (KB) 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 KB Financial (KB) at 3.68 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics