Pinnacle Financial [PNFP] vs U.S. Bancorp [USB] Detailed Stock Comparison
Pinnacle Financial
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Pinnacle Financial wins in 11 metrics, U.S. Bancorp wins in 7 metrics, with 0 ties. Pinnacle Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pinnacle Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.41 | 11.50 | U.S. Bancorp |
| Price-to-Book Ratio | 1.12 | 1.37 | Pinnacle Financial |
| Debt-to-Equity Ratio | 0.37 | 1.34 | Pinnacle Financial |
| PEG Ratio | 0.06 | 0.80 | Pinnacle Financial |
| Profit Margin (TTM) | 32.93% | 27.00% | Pinnacle Financial |
| Operating Margin (TTM) | 40.70% | 37.33% | Pinnacle Financial |
| EBITDA Margin (TTM) | 40.70% | 37.33% | Pinnacle Financial |
| Return on Equity | 9.32% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 1.15% | 1.01% | Pinnacle Financial |
| Free Cash Flow (TTM) | $807.29M | $11.27B | U.S. Bancorp |
| Dividend Yield | 0.98% | 4.60% | U.S. Bancorp |
| 1-Year Return | -5.16% | 3.16% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 3.99 | 2.93 | U.S. Bancorp |
| Enterprise Value | $6.78B | $102.84B | U.S. Bancorp |
| EV/Revenue Ratio | 3.74 | 4.02 | Pinnacle Financial |
| Revenue per Share (TTM) | $24 | $16 | Pinnacle Financial |
| Earnings per Share (Diluted) | $7.52 | $4.18 | Pinnacle Financial |
| Beta (Stock Volatility) | 1.02 | 1.08 | Pinnacle Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Pinnacle Financial vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pinnacle Financial | 0.26% | -0.93% | -4.89% | -20.14% | 7.02% | -17.55% |
| U.S. Bancorp | -0.73% | -2.59% | -1.91% | -0.13% | 29.67% | -0.29% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pinnacle Financial | -5.16% | 9.56% | 136.60% | 78.42% | 860.00% | 327.20% |
| U.S. Bancorp | 3.16% | 11.60% | 21.92% | 17.05% | 111.71% | 70.67% |
News Based Sentiment: Pinnacle Financial vs U.S. Bancorp
Pinnacle Financial
News based Sentiment: POSITIVE
October was a positive month for Pinnacle Financial Partners, marked by a planned merger with Synovus Financial, strong financial results, and optimistic analyst ratings. The upcoming earnings report on October 15th will be a key event to watch, but the overall narrative suggests a company on a solid growth trajectory.
U.S. Bancorp
News based Sentiment: MIXED
October saw U.S. Bancorp maintaining a generally positive outlook with a dividend increase and a 'Buy' rating from Wells Fargo. However, this was tempered by institutional selling and insider transactions, creating a mixed investment narrative. The upcoming earnings release will be key to resolving this ambiguity.
Performance & Financial Health Analysis: Pinnacle Financial vs U.S. Bancorp
| Metric | PNFP | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $7.24B | $77.24B |
| Market Cap Category | Mid cap | Large cap |
| 10 Day Avg. Volume | 897,460 | 8,651,060 |
| 90 Day Avg. Volume | 1,089,217 | 9,873,513 |
| Last Close | $93.60 | $47.72 |
| 52 Week Range | $81.57 - $131.91 | $35.18 - $53.98 |
| % from 52W High | -29.04% | -11.60% |
| All-Time High | $131.91 (Nov 25, 2024) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -29.04% | -24.93% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.43% | 0.03% |
| Quarterly Earnings Growth | 1.98% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.33% | 0.27% |
| Operating Margin (TTM) | 0.41% | 0.37% |
| Return on Equity (TTM) | 0.09% | 0.12% |
| Debt to Equity (MRQ) | 0.37 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $83.50 | $35.02 |
| Cash per Share (MRQ) | $40.08 | $39.85 |
| Operating Cash Flow (TTM) | $861.37M | $7.48B |
| Levered Free Cash Flow (TTM) | $459.86M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.98% | 4.60% |
| Last 12-Month Dividend | $1.16 | $1.99 |
Valuation & Enterprise Metrics Analysis: Pinnacle Financial vs U.S. Bancorp
| Metric | PNFP | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.41 | 11.50 |
| Forward P/E | 12.24 | 11.10 |
| PEG Ratio | 0.06 | 0.80 |
| Price to Sales (TTM) | 3.99 | 2.93 |
| Price to Book (MRQ) | 1.12 | 1.37 |
| Market Capitalization | ||
| Market Capitalization | $7.24B | $77.24B |
| Enterprise Value | $6.78B | $102.84B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.74 | 4.02 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.02 | 1.08 |
| Book Value per Share (MRQ) | $83.50 | $35.02 |
Financial Statements Comparison: Pinnacle Financial vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PNFP | USB |
|---|---|---|
| Revenue/Sales | $407.40M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $170.41M | $2.16B |
| Income Tax | $30.00M | $443.00M |
| Net Income (Profit) | $140.41M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PNFP | USB |
|---|---|---|
| Cash & Equivalents | $3.76B | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $2.31B | $59.86B |
| Total Shareholders Equity | $6.54B | $60.56B |
| Retained Earnings | $3.29B | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PNFP | USB |
|---|---|---|
| Operating Cash Flow | $-60.30M | $-750.00M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $-43.04M | $-285.00M |
| Debt Repayment | $-127,000 | $-2.10B |
| Common Stock Repurchase | N/A | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PNFP | USB |
|---|---|---|
| Shares Short | 2.44M | 22.01M |
| Short Ratio | 2.18 | 2.51 |
| Short % of Float | 0.03% | 0.01% |
| Average Daily Volume (10 Day) | 897,460 | 8,651,060 |
| Average Daily Volume (90 Day) | 1,089,217 | 9,873,513 |
| Shares Outstanding | 77.24M | 1.56B |
| Float Shares | 75.58M | 1.55B |
| % Held by Insiders | 0.02% | 0.00% |
| % Held by Institutions | 0.88% | 0.82% |
Dividend Analysis & Yield Comparison: Pinnacle Financial vs U.S. Bancorp
| Metric | PNFP | USB |
|---|---|---|
| Last 12-Month Dividend | $1.16 | $1.99 |
| Last 12-Month Dividend Yield | 0.98% | 4.60% |
| 3-Year Avg Annual Dividend | $0.97 | $1.78 |
| 3-Year Avg Dividend Yield | 0.27% | 1.19% |
| 3-Year Total Dividends | $2.92 | $5.35 |
| Ex-Dividend Date | Aug 01, 2025 | Mar 31, 2025 |