Pinnacle Financial Partners, Inc. (PNFP)vsRoyal Bank of Canada (RY)
PNFP
Pinnacle Financial Partners, Inc.
$99.27
+0.13%
FINANCIAL SERVICES · Cap: $15.22B
RY
Royal Bank of Canada
$205.90
-0.04%
FINANCIAL SERVICES · Cap: $291.55B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 1933% more annual revenue ($67.15B vs $3.30B). RY leads profitability with a 33.9% profit margin vs 24.9%. PNFP appears more attractively valued with a PEG of 1.42. PNFP earns a higher WallStSmart Score of 72/100 (B).
PNFP
Strong Buy72
out of 100
Grade: B
RY
Buy63
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 47.0%
Revenue surging 137.0% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 46.4%
Reasonable price relative to book value
Areas to Watch
3.5% earnings growth
ROE of 5.5% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : PNFP
The strongest argument for PNFP centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.9% and operating margin at 47.0%. Revenue growth of 137.0% demonstrates continued momentum.
Bull Case : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 46.4%.
Bear Case : PNFP
The primary concerns for PNFP are EPS Growth, Return on Equity, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
PNFP profiles as a growth stock while RY is a mature play — different risk/reward profiles.
PNFP carries more volatility with a beta of 1.01 — expect wider price swings.
PNFP is growing revenue faster at 137.0% — sustainability is the question.
PNFP generates stronger free cash flow (67M), providing more financial flexibility.
Bottom Line
PNFP scores higher overall (72/100 vs 63/100), backed by strong 24.9% margins and 137.0% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Pinnacle Financial Partners, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pinnacle Financial Partners, Inc., is the banking holding company for Pinnacle Bank offering various banking products and services in the United States. The company is headquartered in Nashville, Tennessee.
Visit Website →Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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