PNFP vs. SAN: Pinnacle Financial Partners vs. Banco Santander Stock Comparison

Company Profile

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

Pinnacle Financial Partners (PNFP) trades as ordinary local shares, while Banco Santander (SAN) 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

Both Pinnacle Financial Partners (PNFP) at 9.56% and Banco Santander (SAN) at 13.06% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Banco Santander (SAN) at 32.58% 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 Banco Santander (SAN) 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 Banco Santander (SAN) at -0.47% 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 Banco Santander (SAN) at 17.19% 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: Pinnacle Financial Partners (PNFP) in Banks and Banco Santander (SAN) 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 Banco Santander (SAN) 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 Pinnacle Financial Partners (PNFP) at 1.72% and Banco Santander (SAN) at 2.10% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Pinnacle Financial Partners (PNFP) at 23.29% and Banco Santander (SAN) at 25.91% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Pinnacle Financial Partners (PNFP) at 13.47 and Banco Santander (SAN) at 11.08 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Pinnacle Financial Partners (PNFP) in Banks and Banco Santander (SAN) 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 against book while Banco Santander (SAN) at 1.33 is valued near its industry’s middle — PNFP is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics