Frost Bank vs Pinnacle Financial Partners
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KIRAβs take AI analyst
I put Frost Bank and Pinnacle Financial Partners side by side, using each oneβs latest annual report. Here is what stands out:
- Frost Bank is the larger business, with $2.2B of revenue in fiscal 2025 against $2.1B for Pinnacle Financial Partners.
- Pinnacle Financial Partners grew revenue faster (18.3%, against 8.3%).
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Frost Bank
CFR
2/5
Return on equityShare count change
Pinnacle Financial Partners
PNFP
3/5
Revenue growth5-year growthNet margin
Side by side
Best in the row
| Latest fiscal year | CFR FY25 | PNFP FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.2B | $7.8B |
| Revenue | $2.2B | $2.1B |
| Free cash flow | β | β |
| Net income | $649M | $642M |
| Growth | ||
| Revenue growth | 8.3% | 18.3% |
| 5-year growth | 9.2% | 12.5% |
| Share count change | β0.3% | 0.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 29.0% | 31.2% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 15.3% | 9.5% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $413M | $74.7M |
| Valuation & quality | ||
| P/E | 15.0x | β |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.