Pinnacle Financial [PNFP] vs U.S. Bancorp [USB] Detailed Stock Comparison

Pinnacle Financial Partners Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pinnacle Financial Partners Inc. wins in 8 metrics, U.S. Bancorp wins in 11 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pinnacle Financial Partners Inc. U.S. Bancorp Better
P/E Ratio (TTM) 12.22 11.92 U.S. Bancorp
Price-to-Book Ratio 1.08 1.51 Pinnacle Financial Partners Inc.
Debt-to-Equity Ratio 0.88 1.21 Pinnacle Financial Partners Inc.
PEG Ratio 0.69 0.82 Pinnacle Financial Partners Inc.
Profit Margin (TTM) 24.66% 29.29% U.S. Bancorp
Operating Margin (TTM) 46.89% 37.84% Pinnacle Financial Partners Inc.
EBITDA Margin (TTM) 46.89% 37.84% Pinnacle Financial Partners Inc.
Return on Equity 6.17% 12.35% U.S. Bancorp
Return on Assets (TTM) 0.74% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $807.29M $7.97B U.S. Bancorp
Dividend Yield 1.19% 3.82% U.S. Bancorp
1-Year Return -8.04% 25.83% U.S. Bancorp
Price-to-Sales Ratio (TTM) 5.45 3.32 U.S. Bancorp
Enterprise Value $15.32B $126.46B U.S. Bancorp
EV/Revenue Ratio 5.79 4.75 U.S. Bancorp
Revenue per Share (TTM) $28 $17 Pinnacle Financial Partners Inc.
Earnings per Share (Diluted) $7.84 $4.77 Pinnacle Financial Partners Inc.
Beta (Stock Volatility) 1.00 1.03 Pinnacle Financial Partners Inc.
Short % of Float 2.81% 0.00% U.S. Bancorp

Pinnacle Financial Partners Inc. vs U.S. Bancorp Stock Performance Analysis

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PNFP
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pinnacle Financial Partners Inc.-2.97%-2.20%-1.41%4.01%3.90%1.36%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pinnacle Financial Partners Inc.-8.04%81.94%7.54%98.09%582.07%241.15%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Pinnacle Financial Partners Inc. vs U.S. Bancorp

MetricPNFPUSB
Market Information
Market Cap i$14.40B$88.06B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,453,1609,829,002
90 Day Avg. Volume i1,473,79710,401,007
Last Close$93.50$53.14
52 Week Range$81.08 - $120.46$42.55 - $61.19
% from 52W High-22.38%-13.16%
All-Time High$131.91 (Nov 25, 2024)$63.57 (Jan 10, 2022)
% from All-Time High-29.12%-16.41%
Growth Metrics
Quarterly Revenue Growth1.56%0.05%
Quarterly Earnings Growth0.07%0.14%
Financial Health
Profit Margin (TTM) i0.25%0.29%
Operating Margin (TTM) i0.47%0.38%
Return on Equity (TTM) i0.06%0.12%
Debt to Equity (MRQ) i0.881.21
Cash & Liquidity
Book Value per Share (MRQ)$88.71$37.54
Cash per Share (MRQ)$39.38$31.14
Operating Cash Flow (TTM) i$687.03M$6.04B
Levered Free Cash Flow (TTM) i$459.86M$7.19B
Dividends
Last 12-Month Dividend Yield i1.19%3.82%
Last 12-Month Dividend i$1.22$2.04

Valuation & Enterprise Metrics Analysis: Pinnacle Financial Partners Inc. vs U.S. Bancorp

MetricPNFP (Apr 26, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.2211.92
Forward P/E i8.1110.09
PEG Ratio i0.690.82
Price to Sales (TTM) i5.453.32
Price to Book (MRQ) i1.081.51
Market Capitalization
Market Capitalization i$14.40B$88.06B
Enterprise Value i$15.32B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i5.794.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.001.03
Book Value per Share (MRQ) i$88.71$37.54

Financial Statements Comparison: Pinnacle Financial Partners Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPNFP (2024)USB (2025)
Revenue/Sales i1.52B28.54B
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 i581.21M9.52B
Pre-Tax Income % of Revenue i38.2%33.3%
Income Tax i106.15M1.92B
Income Tax % of Revenue i7.0%6.7%
Net Income (Profit) i475.06M7.60B
Profit Margin i31.2%26.6%

Balance Sheet & Liquidity Metrics

MetricPNFP (2024)USB (2025)
Cash & Equivalents i3.34B46.89B
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 i2.30B60.76B
Long-Term Debt % of Revenue i151.2%212.9%
Total Shareholders Equity i6.43B65.65B
Retained Earnings i3.18B80.91B
Retained Earnings % of Revenue i208.8%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricPNFP (2024)USB (2025)
Operating Cash Flow i687.03M6.04B
Operating Cash Flow % of Revenue i45.2%21.2%
Capital Expenditures i-94.52MN/A
Free Cash Flow i807.29M7.97B
FCF Margin i53.1%27.9%
Debt Repayment i-700.42M-9.05B
Common Stock Repurchase i-14.43M-489.00M

Short Interest & Institutional Ownership Analysis

MetricPNFPUSB
Shares Short i4.19M27,002
Short Ratio i2.820.00
Short % of Float i2.81%0.00%
Shares Outstanding i77.56M1.56B
Float Shares i148.36M1.55B
% Held by Insiders i1.38%0.14%
% Held by Institutions i48.66%83.55%
% Held by Public i49.96%16.31%

Dividend Analysis & Yield Comparison: Pinnacle Financial Partners Inc. vs U.S. Bancorp

MetricPNFPUSB
Last 12-Month Dividend i$1.22$2.04
Last 12-Month Dividend Yield i1.19%3.82%
3-Year Avg Annual Dividend i$1.00$1.98
3-Year Avg Dividend Yield i0.29%1.19%
3-Year Total Dividends i$3.00$5.95
Ex-Dividend DateFeb 06, 2026Dec 31, 2025