PNFP vs. SHG: Pinnacle Financial Partners vs. Shinhan Financial Stock Comparison

Company Profile

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

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

Pinnacle Financial Partners (PNFP) at 9.56% is around its peer norm for ROE, while Shinhan Financial (SHG) at 8.94% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Pinnacle Financial Partners (PNFP) at 25.54% and Shinhan Financial (SHG) at 26.15% 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 Pinnacle Financial Partners (PNFP) in Banks and Shinhan Financial (SHG) 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 Shinhan Financial (SHG) at 4.66% 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 Shinhan Financial (SHG) at 16.24% 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 Shinhan Financial (SHG) 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 Shinhan Financial (SHG) 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; Shinhan Financial (SHG) at 4,638.28% 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 Pinnacle Financial Partners (PNFP) at 23.29% and Shinhan Financial (SHG) at 25.22% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Shinhan Financial (SHG) at 7.98 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 SHG, though growth and earnings durability still matter.

P/S ratio is set aside for both Pinnacle Financial Partners (PNFP) in Banks and Shinhan Financial (SHG) 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.

Relative to net asset value, both Pinnacle Financial Partners (PNFP) at 1.10 and Shinhan Financial (SHG) at 0.66 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

Valuation Metrics