Pinnacle Financial Partners, Inc. (PNFP)vsU.S. Bancorp (USB)
PNFP
Pinnacle Financial Partners, Inc.
$99.48
-0.25%
FINANCIAL SERVICES · Cap: $14.31B
USB
U.S. Bancorp
$59.60
-0.23%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 744% more annual revenue ($27.89B vs $3.30B). USB leads profitability with a 30.0% profit margin vs 24.9%. PNFP appears more attractively valued with a PEG of 1.42. USB earns a higher WallStSmart Score of 73/100 (B).
PNFP
Strong Buy72
out of 100
Grade: B
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 47.0%
Revenue surging 137.0% year-over-year
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
3.5% earnings growth
ROE of 7.0% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PNFP
The strongest argument for PNFP centers on Price/Book, Operating Margin, Revenue Growth. Profitability is solid with margins at 24.9% and operating margin at 47.0%. Revenue growth of 137.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : PNFP
The primary concerns for PNFP are EPS Growth, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
PNFP profiles as a growth stock while USB is a mature play — different risk/reward profiles.
PNFP carries more volatility with a beta of 1.03 — expect wider price swings.
PNFP is growing revenue faster at 137.0% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 72/100), backed by strong 30.0% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Pinnacle Financial Partners, Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Pinnacle Financial Partners, Inc., is the banking holding company for Pinnacle Bank offering various banking products and services in the United States. The company is headquartered in Nashville, Tennessee.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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