Pinnacle Financial Partners, Inc. (PNFP)vsRoyal Bank of Canada (RY)
PNFP
Pinnacle Financial Partners, Inc.
$96.31
-0.08%
FINANCIAL SERVICES · Cap: $14.56B
RY
Royal Bank of Canada
$194.04
-0.48%
FINANCIAL SERVICES · Cap: $277.29B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 2386% more annual revenue ($65.72B vs $2.64B). RY leads profitability with a 33.7% profit margin vs 24.7%. PNFP appears more attractively valued with a PEG of 1.42. RY earns a higher WallStSmart Score of 70/100 (B-).
PNFP
Strong Buy70
out of 100
Grade: B
RY
Strong Buy70
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 46.9%
Revenue surging 156.4% 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 45.3%
Generating 37.3B in free cash flow
Reasonable price relative to book value
16.1% revenue growth
Areas to Watch
ROE of 4.5% — below average capital efficiency
Earnings declined 49.7%
Distress zone — elevated risk
Expensive relative to growth rate
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 24.7% and operating margin at 46.9%. Revenue growth of 156.4% 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 33.7% and operating margin at 45.3%. Revenue growth of 16.1% demonstrates continued momentum.
Bear Case : PNFP
The primary concerns for PNFP are Return on Equity, EPS Growth, Altman Z-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
PNFP carries more volatility with a beta of 1.04 — expect wider price swings.
PNFP is growing revenue faster at 156.4% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PNFP scores higher overall (70/100 vs 70/100), backed by strong 24.7% margins and 156.4% revenue growth. Both earn "Strong Buy" and "Strong 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.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?