PNFP vs. TFC: Pinnacle Financial Partners vs. Truist Financial Stock Comparison

Company Profile

Pinnacle Financial Partners (PNFP) and Truist Financial (TFC) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

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 Truist Financial (TFC) at 8.16% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Truist Financial (TFC) at 28.38% 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 Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% clears its industry range for revenue growth, far stronger top-line momentum than Pinnacle Financial Partners (PNFP) at 17.76%, which is closer to a typical peer reading.

Pinnacle Financial Partners (PNFP) at 35.40% sits in the top EPS growth quartile, while Truist Financial (TFC) at 13.69% 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 Truist Financial (TFC) 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 Truist Financial (TFC) 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

Truist Financial (TFC) at 4.17% 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, TFC the richer one.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Pinnacle Financial Partners (PNFP) at 13.47 and Truist Financial (TFC) at 12.73 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 Truist Financial (TFC) 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 Truist Financial (TFC) at 1.06 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

Valuation Metrics