PNFP vs. RY: Pinnacle Financial Partners vs. Royal Bank of Canada Stock Comparison

Company Profile

Pinnacle Financial Partners (PNFP) and Royal Bank of Canada (RY) both belong to the Banks industry, though PNFP is classified under Regional Banks while RY falls under Diversified 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

Royal Bank of Canada (RY) at 16.21% sits in the top ROE quartile, while Pinnacle Financial Partners (PNFP) at 9.56% is closer to the peer norm — stronger capital efficiency for RY.

Royal Bank of Canada (RY) at 33.87% 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 Pinnacle Financial Partners (PNFP) in Banks and Royal Bank of Canada (RY) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Pinnacle Financial Partners (PNFP) at 17.76% and Royal Bank of Canada (RY) at 15.73% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Only one side can be read here: Pinnacle Financial Partners (PNFP) reports EPS growth of 35.40%, ranked against its industry; Royal Bank of Canada (RY) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Pinnacle Financial Partners (PNFP) in Banks and Royal Bank of Canada (RY) 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: Pinnacle Financial Partners (PNFP) in Banks and Royal Bank of Canada (RY) 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

Royal Bank of Canada (RY) at 3.23% 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, RY the richer one.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Royal Bank of Canada (RY) at 41.49% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Pinnacle Financial Partners (PNFP) at 13.47 is near its industry’s usual P/E ratio, while Royal Bank of Canada (RY) at 17.58 sits in the richer quartile — RY needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Pinnacle Financial Partners (PNFP) in Banks and Royal Bank of Canada (RY) 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 Royal Bank of Canada (RY) at 2.92 prices above its industry range — a wide valuation gap against assets.

Valuation Metrics