C vs. PNFP: Citigroup vs. Pinnacle Financial Partners Stock Comparison
How do Citigroup (C) and Pinnacle Financial Partners (PNFP) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Citigroup (C) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though C is classified under Diversified Banks while PNFP falls under Regional Banks.
| Profile Item | C | PNFP |
|---|---|---|
| Name | Citigroup Inc. | Pinnacle Financial Partners Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 197.05 billion USD | 15.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 3, 1977 | August 22, 2000 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | C | PNFP |
|---|---|---|
| Total Return (1Y) | 23.42% | 22.69% |
| Total Return (3Y, Annualized) | 47.29% | 18.81% |
| Total Return (5Y, Annualized) | 16.24% | 2.40% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | C | PNFP |
|---|---|---|
| Volatility (1Y, Annualized) | 29.96% | 26.95% |
| Beta (5Y) | 1.17 | 1.02 |
| Max Drawdown (5Y) | -40.60% | -57.43% |
| Avg. Volume (3M) | 9.35M | 1.05M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | C | PNFP |
|---|---|---|
| Sharpe Ratio (1Y) | 0.64 | 0.68 |
| Sortino Ratio (1Y) | 0.90 | 0.99 |
Profitability
ROE (TTM)
Pinnacle Financial Partners (PNFP) at 9.56% is around its peer norm for ROE, while Citigroup (C) at 9.35% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
C
Banks industry group
9.35%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- Q1
- 9.50%
- C
- 9.35%
- Min
- 3.64%
PNFP
Banks industry group
9.56%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- PNFP
- 9.56%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both Citigroup (C) at 23.21% and Pinnacle Financial Partners (PNFP) at 25.54% let more of each sales dollar slip away before the bottom line than peers do, sitting in the lower net margin quartile of their industries.
C
Banks industry group
23.21%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- C
- 23.21%
- Min
- 14.93%
PNFP
Banks industry group
25.54%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- PNFP
- 25.54%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Citigroup (C) in Banks and Pinnacle Financial Partners (PNFP) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | C | PNFP |
|---|---|---|
| ROE (TTM) | 9.35% | 9.56% |
| ROA (TTM) | 0.71% | 1.10% |
| Net Margin (TTM) | 23.21% | 25.54% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Pinnacle Financial Partners (PNFP) at 17.76% is around its peer norm for revenue growth, while Citigroup (C) at 5.63% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Pinnacle Financial Partners (PNFP) at 35.40% sits in the top EPS growth quartile, while Citigroup (C) at 17.68% is closer to the peer norm — faster per-share earnings growth for PNFP.
Growth Metrics
| Metric | C | PNFP |
|---|---|---|
| Revenue Growth (YoY) | 5.63% | 17.76% |
| Revenue Growth (3Y CAGR) | 4.59% | 11.15% |
| EPS Growth (YoY) | 17.68% | 35.40% |
| EPS Growth (3Y CAGR) | -0.05% | 4.02% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Citigroup (C) in Banks and Pinnacle Financial Partners (PNFP) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Citigroup (C) in Banks and Pinnacle Financial Partners (PNFP) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | C | PNFP |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Citigroup (C) at 2.09% and Pinnacle Financial Partners (PNFP) at 1.72% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
C
Banks industry group
2.09%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- C
- 2.09%
- Q1
- 1.20%
- Min
- 0.00%
PNFP
Banks industry group
1.72%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- PNFP
- 1.72%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Citigroup (C) at 24.07% and Pinnacle Financial Partners (PNFP) at 23.29% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
C
Banks industry group
24.07%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- C
- 24.07%
- Q1
- 18.98%
- Min
- 0.00%
PNFP
Banks industry group
23.29%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- PNFP
- 23.29%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | C | PNFP |
|---|---|---|
| Dividend Yield (TTM) | 2.09% | 1.72% |
| Dividend Payout Ratio (TTM) | 24.07% | 23.29% |
Valuation
P/E Ratio (TTM)
Both Citigroup (C) at 11.60 and Pinnacle Financial Partners (PNFP) at 13.47 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
C
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- C
- 11.60
- Q1
- 10.64
- Min
- 6.49
PNFP
Banks industry group
13.47
- Max
- 18.16
- Q3
- 13.75
- PNFP
- 13.47
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Citigroup (C) in Banks and Pinnacle Financial Partners (PNFP) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Relative to net asset value, both Citigroup (C) at 1.03 and Pinnacle Financial Partners (PNFP) at 1.10 look inexpensive, sitting in the lower P/B ratio quartile of their industries.
C
Banks industry group
1.03
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- C
- 1.03
- Min
- 0.59
PNFP
Banks industry group
1.10
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- PNFP
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | C | PNFP |
|---|---|---|
| P/E Ratio (TTM) | 11.60 | 13.47 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.03 | 1.10 |
| Free Cash Flow Yield (TTM) | -- | -- |