PNFPP vs LOB

Comparison between Pinnacle Financial Partners Inc (PNFPP, Company) and Live Oak Bancshares Inc (LOB, Company).

Both PNFPP and LOB are from the Financial Services sector.

5-Year PerformancePNFPP has outperformed LOB, delivering a return of +4.9% compared to -6.1%

PNFPP vs LOB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PNFPP(COMPANY)	LOB(COMPANY)
Market Cap	$1.94B	$1.95B
Max Drawdown	31.75%	79.50%
Sharpe Ratio	0.50	0.86
5Y Beta	N/A	1.21
Industry	Banks - Regional	Banks - Regional
P/E Ratio	3.11	21.55
Forward P/E	N/A	12.06
PEG Ratio	0.06	0.00
Dividend Yield	N/A	0.28%
5Y Dividends CAGR	20.12%	4.56%
5Y EPS CAGR	15.52%	7.44%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	54.21%	6.48%
P/S Ratio	N/A	3.75
P/B Ratio	N/A	1.63

Market Cap

PNFPP

$1.94B

Winner

LOB

$1.95B

Max Drawdown

Winner

PNFPP

31.75%

LOB

79.50%

Sharpe Ratio

PNFPP

0.50

Winner

LOB

0.86

5Y Beta

PNFPP

N/A

LOB

1.21

Industry

PNFPP

Banks - Regional

LOB

Banks - Regional

P/E Ratio

Winner

PNFPP

3.11

LOB

21.55

Forward P/E

PNFPP

N/A

LOB

12.06

PEG Ratio

PNFPP

0.06

Winner

LOB

0.00

Dividend Yield

PNFPP

N/A

LOB

0.28%

5Y Dividends CAGR

Winner

PNFPP

20.12%

LOB

4.56%

5Y EPS CAGR

Winner

PNFPP

15.52%

LOB

7.44%

Debt to Equity

PNFPP

0.00%

LOB

0.00%

Free Cash Flow Yield

Winner

PNFPP

54.21%

LOB

6.48%

P/S Ratio

PNFPP

N/A

LOB

3.75

P/B Ratio

PNFPP

N/A

LOB

1.63

PNFPP vs LOB - Historical Returns

Returns include dividend reinvestment.

Period	PNFPP	LOB
1 month	-1.03%	+7.83%
3 months	+0.97%	+14.40%
6 months	+7.46%	+6.87%
1 year	+10.53%	+31.04%
5 years(CAGR)	+4.86%	-6.12%
10 years(CAGR)	N/A	+11.91%
Max(CAGR)	+6.29%	+7.80%

PNFPP

-1.03%

Winner

LOB

+7.83%

PNFPP

+0.97%

Winner

LOB

+14.40%

Winner

PNFPP

+7.46%

LOB

+6.87%

PNFPP

+10.53%

Winner

LOB

+31.04%

5Y(CAGR)

Winner

PNFPP

+4.86%

LOB

-6.12%

10Y(CAGR)

PNFPP

N/A

LOB

+11.91%

Max(CAGR)

PNFPP

+6.29%

Winner

LOB

+7.80%

PNFPP vs LOB - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

Year	PNFPP	LOB
2026	N/A	+20.08%
2025	+8.21%	-10.54%
2024	+14.46%	-11.57%
2023	-4.88%	+50.50%
2022	-5.11%	-65.26%
2021	+8.83%	+93.86%
2020	+10.94%	+151.82%
2019	N/A	+26.02%
2018	N/A	-37.60%
2017	N/A	+31.98%
2016	N/A	+38.70%
2015	N/A	-25.45%

PNFPP vs LOB Drawdown Comparison

The maximum drawdown for PNFPP was -24.79%, occurring on May 4, 2023. Recovery took 718 trading sessions.

The maximum drawdown for LOB was -79.41%, occurring on May 11, 2023. This drawdown has not yet recovered.

The current PNFPP drawdown is -1.03%. The current LOB drawdown is -56.78%.

Rank	PNFPP	LOB
#1	-24.79% Sep 16, 2021 - Jul 26, 2024	-79.41% Nov 4, 2021 - May 11, 2023
#2	-5.62% Feb 28, 2025 - Jul 21, 2025	-74.82% Jul 23, 2018 - Oct 15, 2020
#3	-4.84% Apr 20, 2021 - Jun 29, 2021	-41.14% Aug 5, 2015 - Feb 3, 2017
#4	-3.49% Jul 6, 2021 - Aug 13, 2021	-23.50% Apr 16, 2021 - Oct 20, 2021
#5	-3.29% Oct 8, 2020 - Nov 4, 2020	-21.78% Jan 12, 2021 - Feb 23, 2021
#6	-3.22% Dec 7, 2020 - Mar 4, 2021	-18.53% Aug 1, 2017 - Nov 29, 2017
#7	-3.19% Jun 8, 2020 - Jun 25, 2020	-14.29% Feb 24, 2017 - Apr 27, 2017
#8	-3.08% Dec 2, 2024 - Jan 6, 2025	-10.72% Nov 24, 2020 - Dec 15, 2020
#9	-3.03% Jul 31, 2025 - Aug 21, 2025	-10.19% Nov 29, 2017 - Jan 25, 2018
#10	-2.90% Aug 17, 2021 - Sep 16, 2021	-10.07% Dec 21, 2020 - Jan 12, 2021
#11	-2.87% Mar 4, 2021 - Apr 5, 2021	-9.10% Mar 1, 2021 - Mar 10, 2021
#12	-2.84% Jul 26, 2024 - Aug 19, 2024	-7.77% Mar 21, 2018 - May 22, 2018
#13	-2.66% Apr 8, 2021 - Apr 16, 2021	-6.84% Mar 22, 2021 - Mar 25, 2021
#14	-2.35% Jan 7, 2025 - Feb 18, 2025	-6.76% Feb 24, 2021 - Mar 1, 2021
#15	-2.24% Sep 2, 2025 - Nov 18, 2025	-6.27% Jun 16, 2017 - Aug 1, 2017

Correlation

Correlation between PNFPP and LOB is 0.10 which considered as a very weak or no correlation - the stocks move independently of each other.

0.10

-101

Dividend Comparison (2015 - 2026)

PNFPP vs LOB dividend yield comparison.

Year	PNFPP	LOB
2026	0.00%	0.14%
2025	6.75%	0.35%
2024	6.97%	0.30%
2023	7.47%	0.26%
2022	6.66%	0.40%
2021	5.98%	0.14%
2020	3.05%	0.25%
2019	0.00%	0.63%
2018	0.00%	0.81%
2017	0.00%	0.42%
2016	0.00%	0.38%
2015	0.00%	0.14%