Pinnacle Financial Partners vs Valley Bank
Add, change or remove companies; up to four.
KIRAβs take AI analyst
I put Pinnacle Financial Partners and Valley Bank side by side, using each oneβs latest annual report. Here is what stands out:
- Pinnacle Financial Partners is the larger business, with $2.1B of revenue in fiscal 2025 against $2.0B for Valley Bank.
- Pinnacle Financial Partners grew revenue faster (18.3%, against 9.3%).
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Pinnacle Financial Partners
PNFP
5/5
Revenue growth5-year growthNet marginReturn on equityShare count change
Valley Bank
VLY
0/5
Side by side
Best in the row
| Latest fiscal year | PNFP FY25 | VLY FY25 |
|---|---|---|
| Size | ||
| Market cap | $7.8B | $7.9B |
| Revenue | $2.1B | $2.0B |
| Free cash flow | β | β |
| Net income | $642M | $598M |
| Growth | ||
| Revenue growth | 18.3% | 9.3% |
| 5-year growth | 12.5% | 9.3% |
| Share count change | 0.7% | 8.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 31.2% | 29.5% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 9.5% | 7.9% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $74.7M | $312M |
| Valuation & quality | ||
| P/E | β | 11.9x |
| Piotroski F-score | β | β |
Ten years
Revenue
FY16
PNFP $446M
VLY $721M
FY17
PNFP $688M
VLY $772M
FY18
PNFP $937M
VLY $991M
FY19
PNFP $1.0B
VLY $1.1B
FY20
PNFP $1.1B
VLY $1.3B
FY21
PNFP $1.3B
VLY $1.4B
FY22
PNFP $1.5B
VLY $1.9B
FY23
PNFP $1.7B
VLY $1.9B
FY24
PNFP $1.7B
VLY $1.9B
FY25
PNFP $2.1B
VLY $2.0B
PNFP
VLY
Operating margin
FY16
PNFP β
VLY β
FY17
PNFP β
VLY β
FY18
PNFP β
VLY β
FY19
PNFP β
VLY β
FY20
PNFP β
VLY β
FY21
PNFP β
VLY β
FY22
PNFP β
VLY β
FY23
PNFP β
VLY β
FY24
PNFP β
VLY β
FY25
PNFP β
VLY β
PNFP
VLY
Free cash flow
FY16
PNFP β
VLY β
FY17
PNFP β
VLY β
FY18
PNFP β
VLY β
FY19
PNFP β
VLY β
FY20
PNFP β
VLY β
FY21
PNFP β
VLY β
FY22
PNFP β
VLY β
FY23
PNFP β
VLY β
FY24
PNFP β
VLY β
FY25
PNFP β
VLY β
PNFP
VLY
Return on capital
FY16
PNFP β
VLY β
FY17
PNFP β
VLY β
FY18
PNFP β
VLY β
FY19
PNFP β
VLY β
FY20
PNFP β
VLY β
FY21
PNFP β
VLY β
FY22
PNFP β
VLY β
FY23
PNFP β
VLY β
FY24
PNFP β
VLY β
FY25
PNFP β
VLY β
PNFP
VLY
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.