VLY vs. PNFP

Last updated Jun 4, 2026

VLY (Valley National Bancorp) and PNFP (Pinnacle Financial Partners, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. A 0.77 correlation means they provide meaningful diversification when combined.

Performance

VLY vs. PNFP - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Valley National Bancorp (VLY) and Pinnacle Financial Partners, Inc. (PNFP). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

VLY

• 1D: -2.54%
• 1M: -0.37%
• YTD: 15.89%
• 6M: 18.90%
• 1Y: 59.53%
• 3Y*: 24.67%
• 5Y*: 3.17%
• 10Y*: 8.18%

PNFP

• 1D: -2.97%
• 1M: -4.37%
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

VLY vs. PNFP - Yearly Performance Comparison

	2026 (YTD)
VLY Valley National Bancorp	15.79%
PNFP Pinnacle Financial Partners, Inc.	-0.69%

Correlation

The correlation between VLY and PNFP is 0.77, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jan 5, 2026	0.77

Fundamentals

Market Cap VLY : $7.50B PNFP : $14.12B
EPS VLY : $1.17 PNFP : $6.80
PE Ratio VLY : 11.50 PNFP : 13.75
PEG Ratio VLY : 12.71 PNFP : 2.19
PS Ratio VLY : 2.36 PNFP : 2.23
PB Ratio VLY : 0.96 PNFP : 1.02
Total Revenue (TTM) VLY : $3.19B PNFP : $4.01B
Gross Profit (TTM) VLY : $1.47B PNFP : $2.75B
EBITDA (TTM) VLY : $847.74M PNFP : $877.12M

Return for Risk

VLY vs. PNFP — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

VLY

VLY Risk / Return Rank: 88
VLY Sharpe Ratio Rank: 89
VLY Sortino Ratio Rank: 85
VLY Omega Ratio Rank: 85
VLY Calmar Ratio Rank: 89
VLY Martin Ratio Rank: 91

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

VLY vs. PNFP - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Valley National Bancorp (VLY) and Pinnacle Financial Partners, Inc. (PNFP). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	VLY	PNFP	Difference
Sharpe ratio: Return per unit of total volatility	2.12	—	—
Sortino ratio: Return per unit of downside risk	2.78	—	—
Omega ratio: Gain probability vs. loss probability	1.36	—	—
Calmar ratio: Return relative to maximum drawdown	4.39	—	—
Martin ratio: Return relative to average drawdown	12.92	—	—
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

Sharpe Ratios by Period

	VLY	PNFP	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	2.12	—	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.08	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.22	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.27	-0.06	+0.33

Drawdowns

VLY vs. PNFP - Drawdown Comparison

The maximum VLY drawdown since its inception was -62.17%, which is greater than PNFP's maximum drawdown of -19.71%. Use the drawdown chart below to compare losses from any high point for VLY and PNFP.

Drawdown Indicators

	VLY	PNFP	Difference
Max Drawdown Largest peak-to-trough decline	-62.17%	-19.71%	-42.46%
Max Drawdown (1Y) Largest decline over 1 year	-13.64%	—	—
Max Drawdown (3Y) Largest decline over 3 years	-39.47%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-53.95%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-53.95%	—	—
Current Drawdown Current decline from peak	-2.61%	-8.10%	+5.49%
Average Drawdown Average peak-to-trough decline	-13.99%	-7.41%	-6.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.62%	—	—

Volatility

Volatility by Period

	VLY	PNFP	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.45%	—	—
Volatility (6M) Calculated over the trailing 6-month period	18.61%	—	—
Volatility (1Y) Calculated over the trailing 1-year period	28.22%	29.67%	-1.45%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	37.58%	29.67%	+7.91%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.49%	29.67%	+6.82%

Dividends

VLY vs. PNFP - Dividend Comparison

VLY's dividend yield for the trailing twelve months is around 3.28%, more than PNFP's 1.07% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PNFP Pinnacle Financial Partners, Inc.	1.07%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
VLY Valley National Bancorp	3.28%	3.77%	4.86%	4.05%	3.89%	3.20%	4.51%	3.84%	4.95%	3.92%	3.78%	4.47%

Financials

VLY vs. PNFP - Profitability Comparison

The chart below illustrates the profitability comparison between Valley National Bancorp and Pinnacle Financial Partners, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

VLY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Valley National Bancorp reported a gross profit of 0.00 and revenue of 540.36M. Therefore, the gross margin over that period was 0.0%.

PNFP - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Pinnacle Financial Partners, Inc. reported a gross profit of 1.22B and revenue of 1.80B. Therefore, the gross margin over that period was 67.7%.

VLY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Valley National Bancorp reported an operating income of 209.18M and revenue of 540.36M, resulting in an operating margin of 38.7%.

PNFP - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Pinnacle Financial Partners, Inc. reported an operating income of 189.00M and revenue of 1.80B, resulting in an operating margin of 10.5%.

VLY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Valley National Bancorp reported a net income of 163.91M and revenue of 540.36M, resulting in a net margin of 30.3%.

PNFP - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Pinnacle Financial Partners, Inc. reported a net income of 150.00M and revenue of 1.80B, resulting in a net margin of 8.3%.

Frequently Asked Questions

Can I hold both VLY and PNFP in my portfolio?

VLY and PNFP have a correlation of 0.77, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.