FNB vs Pinnacle Financial Partners
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The short version
- Pinnacle Financial Partners is the larger business, with $2.1B of revenue in fiscal 2025 against $1.8B for FNB.
- Pinnacle Financial Partners grew revenue faster (18.3%, against 10.6%).
| Latest fiscal year | FNB Β· FY25 | PNFP Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.6B | $7.8B |
| Revenue | $1.8B | $2.1B |
| Free cash flow | β | β |
| Net income | $565M | $642M |
| Growth | ||
| Revenue growth | 10.6% | 18.3% |
| 5-year growth | 7.7% | 12.5% |
| Share count change | β0.2% | 0.7% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 32.0% | 31.2% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 8.7% | 9.5% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $224M | $74.7M |
| Valuation & quality | ||
| P/E | 10.8x | β |
| Piotroski F-score | β | β |
FY16
FNB $813M
PNFP $446M
FY17
FNB $1.1B
PNFP $688M
FY18
FNB $1.2B
PNFP $937M
FY19
FNB $1.2B
PNFP $1.0B
FY20
FNB $1.2B
PNFP $1.1B
FY21
FNB $1.2B
PNFP $1.3B
FY22
FNB $1.4B
PNFP $1.5B
FY23
FNB $1.6B
PNFP $1.7B
FY24
FNB $1.6B
PNFP $1.7B
FY25
FNB $1.8B
PNFP $2.1B
FNB
PNFP
FY16
FNB β
PNFP β
FY17
FNB β
PNFP β
FY18
FNB β
PNFP β
FY19
FNB β
PNFP β
FY20
FNB β
PNFP β
FY21
FNB β
PNFP β
FY22
FNB β
PNFP β
FY23
FNB β
PNFP β
FY24
FNB β
PNFP β
FY25
FNB β
PNFP β
FNB
PNFP
FY16
FNB β
PNFP β
FY17
FNB β
PNFP β
FY18
FNB β
PNFP β
FY19
FNB β
PNFP β
FY20
FNB β
PNFP β
FY21
FNB β
PNFP β
FY22
FNB β
PNFP β
FY23
FNB β
PNFP β
FY24
FNB β
PNFP β
FY25
FNB β
PNFP β
FNB
PNFP
FY16
FNB β
PNFP β
FY17
FNB β
PNFP β
FY18
FNB β
PNFP β
FY19
FNB β
PNFP β
FY20
FNB β
PNFP β
FY21
FNB β
PNFP β
FY22
FNB β
PNFP β
FY23
FNB β
PNFP β
FY24
FNB β
PNFP β
FY25
FNB β
PNFP β
FNB
PNFP
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.