Grupo Cibest S.A. - Sponsored ADR (CIB) vs Pinnacle Financial Partners, Inc. (PNFP)

Grupo Cibest S.A. - Sponsored ADR and Pinnacle Financial Partners, Inc. are both Banks Regional companies. Pinnacle Financial Partners, Inc. is the larger, with a market value of $14.3B against $10.5B — 1.4× the size. Pinnacle Financial Partners, Inc. trades at the lower P/E: 13.0× against 18.5×. Grupo Cibest S.A. - Sponsored ADR grew revenue faster over the last twelve months: 79.5% against 67.0%. Pinnacle Financial Partners, Inc. has the higher net margin (14.7% vs 9.43%) and the lower return on invested capital (4.85% vs 33.7%). Both pay a dividend; Grupo Cibest S.A. - Sponsored ADR yields more (10.3% vs 1.18%). Across the 20 metrics below, Grupo Cibest S.A. - Sponsored ADR leads on 11 and Pinnacle Financial Partners, Inc. on 9.

Valuation

Metric CIB PNFP Banks Regional median
P/E 18.55 12.97 12.15
P/S 2.20 2.69 2.37
P/B 1.99 1.02 1.21
Price to free cash flow 21.98 9.85 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.59 3.18 2.27
Earnings yield 5.39% 7.71% 8.11%
Free cash flow yield 4.55% 10.16% 8.98%

Profitability

Metric CIB PNFP Banks Regional median
Gross margin 69.28% 65.82% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.43% 14.70% 18.66%
Free cash flow margin 10.01% 27.35% 21.18%
Return on equity 11.82% 7.65% 10.64%
Return on assets 1.23% 0.85% 1.13%
Return on invested capital 33.72% 4.85% 8.33%

Growth

Metric CIB PNFP Banks Regional median
Revenue growth (TTM) 79.45% 66.95% 6.61%
EPS growth (last fiscal year) (41.90%) 35.40% —
Revenue growth, 5-year CAGR 2.34% 19.79% 12.30%
Net income growth, 5-year CAGR 50.69% 15.51% 9.71%

Health

Metric CIB PNFP Banks Regional median
Debt to equity 0.18 0.69 0.22
Current ratio 0.99 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIB PNFP Banks Regional median
Dividend yield 10.28% 1.18% 3.75%
Payout ratio 0.44 0.11 0.27

Size

Metric CIB PNFP Banks Regional median
Market cap 10.49b 14.27b 921.07m

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