Pinnacle Financial [PNFP] vs Truist Financial [TFC] Detailed Stock Comparison

Pinnacle Financial Partners Inc.

NASDAQ
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Truist Financial Corp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pinnacle Financial Partners Inc. wins in 6 metrics, Truist Financial Corp wins in 13 metrics, with 0 ties. Truist Financial Corp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pinnacle Financial Partners Inc. Truist Financial Corp Better
P/E Ratio (TTM) 12.22 12.61 Pinnacle Financial Partners Inc.
Price-to-Book Ratio 1.08 1.07 Truist Financial Corp
Debt-to-Equity Ratio 0.88 1.06 Pinnacle Financial Partners Inc.
PEG Ratio 0.69 0.50 Truist Financial Corp
Profit Margin (TTM) 24.66% 29.62% Truist Financial Corp
Operating Margin (TTM) 46.89% 38.99% Pinnacle Financial Partners Inc.
EBITDA Margin (TTM) 46.89% 38.99% Pinnacle Financial Partners Inc.
Return on Equity 6.17% 8.58% Truist Financial Corp
Return on Assets (TTM) 0.74% 1.02% Truist Financial Corp
Free Cash Flow (TTM) $807.29M $5.74B Truist Financial Corp
Dividend Yield 1.19% 4.01% Truist Financial Corp
1-Year Return -8.04% 22.05% Truist Financial Corp
Price-to-Sales Ratio (TTM) 5.45 3.40 Truist Financial Corp
Enterprise Value $15.32B $92.13B Truist Financial Corp
EV/Revenue Ratio 5.79 4.94 Truist Financial Corp
Revenue per Share (TTM) $28 $15 Pinnacle Financial Partners Inc.
Earnings per Share (Diluted) $7.84 $4.04 Pinnacle Financial Partners Inc.
Beta (Stock Volatility) 1.00 0.87 Truist Financial Corp
Short % of Float 2.81% 2.08% Truist Financial Corp

Pinnacle Financial Partners Inc. vs Truist Financial Corp Stock Performance Analysis

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PNFP
TFC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pinnacle Financial Partners Inc.-2.97%-2.20%-1.41%4.01%3.90%1.36%
Truist Financial Corp-1.45%-1.15%-2.75%-2.89%3.53%-3.26%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pinnacle Financial Partners Inc.-8.04%81.94%7.54%98.09%582.07%241.15%
Truist Financial Corp22.05%50.28%-19.90%32.55%84.57%13.94%

Performance & Financial Health Analysis: Pinnacle Financial Partners Inc. vs Truist Financial Corp

MetricPNFPTFC
Market Information
Market Cap i$14.40B$64.04B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,453,1607,841,314
90 Day Avg. Volume i1,473,7979,887,451
Last Close$93.50$47.42
52 Week Range$81.08 - $120.46$38.84 - $56.20
% from 52W High-22.38%-15.62%
All-Time High$131.91 (Nov 25, 2024)$68.95 (Jan 17, 2022)
% from All-Time High-29.12%-31.23%
Growth Metrics
Quarterly Revenue Growth1.56%0.05%
Quarterly Earnings Growth0.07%0.17%
Financial Health
Profit Margin (TTM) i0.25%0.30%
Operating Margin (TTM) i0.47%0.39%
Return on Equity (TTM) i0.06%0.09%
Debt to Equity (MRQ) i0.881.06
Cash & Liquidity
Book Value per Share (MRQ)$88.71$47.74
Cash per Share (MRQ)$39.38$36.50
Operating Cash Flow (TTM) i$687.03M$4.22B
Levered Free Cash Flow (TTM) i$459.86M$4.97B
Dividends
Last 12-Month Dividend Yield i1.19%4.01%
Last 12-Month Dividend i$1.22$2.08

Valuation & Enterprise Metrics Analysis: Pinnacle Financial Partners Inc. vs Truist Financial Corp

MetricPNFP (Apr 26, 2026)TFC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.2212.61
Forward P/E i8.119.94
PEG Ratio i0.690.50
Price to Sales (TTM) i5.453.40
Price to Book (MRQ) i1.081.07
Market Capitalization
Market Capitalization i$14.40B$64.04B
Enterprise Value i$15.32B$92.13B
Enterprise Value Metrics
Enterprise to Revenue i5.794.94
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.000.87
Book Value per Share (MRQ) i$88.71$47.74

Financial Statements Comparison: Pinnacle Financial Partners Inc. vs Truist Financial Corp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPNFP (2024)TFC (2025)
Revenue/Sales i1.52B20.32B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i581.21M6.35B
Pre-Tax Income % of Revenue i38.2%31.2%
Income Tax i106.15M1.04B
Income Tax % of Revenue i7.0%5.1%
Net Income (Profit) i475.06M5.31B
Profit Margin i31.2%26.1%

Balance Sheet & Liquidity Metrics

MetricPNFP (2024)TFC (2025)
Cash & Equivalents i3.34B36.38B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i2.30B41.96B
Long-Term Debt % of Revenue i151.2%206.5%
Total Shareholders Equity i6.43B65.19B
Retained Earnings i3.18B26.07B
Retained Earnings % of Revenue i208.8%128.3%
Property, Plant & Equipment iN/A2.44B

Cash Flow Statement Comparison

MetricPNFP (2024)TFC (2025)
Operating Cash Flow i687.03M4.22B
Operating Cash Flow % of Revenue i45.2%20.7%
Capital Expenditures i-94.52MN/A
Free Cash Flow i807.29M5.74B
FCF Margin i53.1%28.2%
Debt Repayment i-700.42M-63.08B
Common Stock Repurchase i-14.43M-3.50B

Short Interest & Institutional Ownership Analysis

MetricPNFPTFC
Shares Short i4.19M25.87M
Short Ratio i2.822.54
Short % of Float i2.81%2.08%
Shares Outstanding i77.56M1.25B
Float Shares i148.36M1.24B
% Held by Insiders i1.38%0.19%
% Held by Institutions i48.66%78.57%
% Held by Public i49.96%21.24%

Dividend Analysis & Yield Comparison: Pinnacle Financial Partners Inc. vs Truist Financial Corp

MetricPNFPTFC
Last 12-Month Dividend i$1.22$2.08
Last 12-Month Dividend Yield i1.19%4.01%
3-Year Avg Annual Dividend i$1.00$2.08
3-Year Avg Dividend Yield i0.29%1.35%
3-Year Total Dividends i$3.00$6.24
Ex-Dividend DateFeb 06, 2026Feb 13, 2026