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STOCK COMPARISON

DBS Group Holdings vs Pinnacle Financial Partners: Fair Value & Quality

Both stocks run through our valuation models. Here is how DBS Group Holdings (D05) and Pinnacle Financial Partners (PNFP) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$78.65 versus a fair value of S$40.48 (-49%), while Pinnacle Financial Partners trades at $101 versus $51.55 (-49%).
DBS Group Holdings
D05.SG · SGD · Financials
-49%
upside to fair value
overvalued
PriceS$78.65
Fair ValueS$40.48
Quality65/100
Pinnacle Financial Partners
PNFP · USD · Financials
-49%
upside to fair value
overvalued
Price$101
Fair Value$51.55
Quality57/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

DBS Group HoldingsPinnacle Financial Partners
Valuation
18.7×P/E (TTM)14.0×
7.23×P/S (TTM)5.74×
2.34×P/B2.16×
—EV/EBITDA16.5×
3.44×PEG1.41×
−48.5%Fair value upside−49.1%
3.6%Dividend yield1.2%
S$2.85Dividend per share$1.22
Profitability
60%Operating margin47%
0.99×EBIT margin trend (5Y)0.86×
16%Return on equity6%
1%Return on assets1%
Growth
3%Revenue growth (YoY)156%
11.6%Avg. growth/yr (3Y)23.6%
9.4%Avg. growth/yr (5Y)19.5%
+12.6%Value creation/yr+11.3%
Balance & size
0.6×Interest coverage (EBIT/interest)0.6×
0.69×Debt / equity0.31×
$161BMarket cap$15B
healthyGrowth qualityhealthy

Pinnacle Financial Partners leads: 5 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

DBS Group Holdingsof which business quality 61 · market factors 96 Pinnacle Financial Partnersof which business quality 53 · market factors 55
ProfitabilityMargins and returns on capital today
38
32
Quality GrowthAre margins and returns improving?
54
65
CashflowEarnings quality: real cash, not paper profit
84
79
Fin. StrengthBalance sheet, leverage, solvency risk
56
21
InvestmentDisciplined investing over empire-building
78
65
Low VolatilityCalm price path (market factor)
99
65
MomentumPrice trend over the last 3–12 months (market factor)
91
52
52W MomentumDistance to the 52-week high (market factor)
100
47
Net IssuanceBuybacks instead of dilution
65
74

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyDBS Group HoldingsPrice S$78.65Pinnacle Financial PartnersPrice $101
Dividend Discount-30%below the priceS$54.87-90%below the price$10.46
Multiples-47%below the priceS$42.04-41%below the price$60.25
Asset-Based-79%below the priceS$16.26-69%below the price$31.23
Economic Profit-59%below the priceS$32.23-57%below the price$43.69
Minimum-79%below the priceS$16.26-90%below the price$10.46
Maximum-30%below the priceS$54.87-41%below the price$60.25
Median-53%below the priceS$37.13-63%below the price$37.46
Geometric mean-58%below the priceS$33.16-70%below the price$30.45

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

DBS Group Holdings: 6 of 6 models see the stock below the current price.

Pinnacle Financial Partners: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

DBS Group Holdings
Bear S$30.36Fair Value S$40.48Bull S$50.60
S$78.65 = current price (white tick)
Pinnacle Financial Partners
Bear $38.66Fair Value $51.55Bull $64.44
$101 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

DBS Group Holdings · Financials

Quality score65 · Top 25%
Fair value upside-49% · bottom 25%

Pinnacle Financial Partners · Financials

Quality score57 · above median
Fair value upside-49% · bottom 25%

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees DBS Group Holdings as the less overvalued of the two: DBS Group Holdings trades at S$78.65 versus a fair value of S$40.48 (-49%), while Pinnacle Financial Partners trades at $101 versus $51.55 (-49%).

DBS Group Holdings has the higher quality score (65/100).

See the full analysis →
DBS Group Holdings · Pinnacle Financial Partners

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.