PNFP vs. TD: Pinnacle Financial Partners vs. Toronto-Dominion Bank Stock Comparison

Company Profile

Pinnacle Financial Partners (PNFP) and Toronto-Dominion Bank (TD) both belong to the Banks industry, though PNFP is classified under Regional Banks while TD 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

Both Pinnacle Financial Partners (PNFP) at 9.56% and Toronto-Dominion Bank (TD) at 12.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Pinnacle Financial Partners (PNFP) at 25.54% and Toronto-Dominion Bank (TD) at 26.62% 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 Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) at 8.93% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Both companies show strong earnings momentum, but Toronto-Dominion Bank (TD) at 144.92% is the standout with EPS growth above its industry range; Pinnacle Financial Partners (PNFP) at 35.40% also sits in the top quartile.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Pinnacle Financial Partners (PNFP) in Banks and Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) 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

Toronto-Dominion Bank (TD) at 3.52% 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, TD the richer one.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Toronto-Dominion Bank (TD) at 46.36% 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 Toronto-Dominion Bank (TD) at 18.16 sits in the richer quartile — TD 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 Toronto-Dominion Bank (TD) 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 looks cheap against book in the lower P/B ratio quartile, while Toronto-Dominion Bank (TD) at 2.27 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics