FITB vs. PNFP: Fifth Third Bancorp vs. Pinnacle Financial Partners Stock Comparison

Company Profile

Fifth Third Bancorp (FITB) and Pinnacle Financial Partners (PNFP) both belong to the Banks industry, though FITB is classified under Diversified Banks while PNFP falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Pinnacle Financial Partners (PNFP) at 9.56% is around its peer norm for ROE, while Fifth Third Bancorp (FITB) at 9.42% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Both Fifth Third Bancorp (FITB) at 22.97% 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.

Neither side reports a meaningful operating margin: for Fifth Third Bancorp (FITB) 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

Growth

Both Fifth Third Bancorp (FITB) at 6.61% and Pinnacle Financial Partners (PNFP) at 17.76% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

Pinnacle Financial Partners (PNFP) at 35.40% sits in the top EPS growth quartile, while Fifth Third Bancorp (FITB) at 12.42% is closer to the peer norm — faster per-share earnings growth for PNFP.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Fifth Third Bancorp (FITB) 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-to-equity ratio is set aside for both: Fifth Third Bancorp (FITB) 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

Dividends

Both Fifth Third Bancorp (FITB) at 3.03% and Pinnacle Financial Partners (PNFP) at 1.72% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Pinnacle Financial Partners (PNFP) at 23.29% pays out a band-typical share of earnings, while Fifth Third Bancorp (FITB) at 54.36% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Pinnacle Financial Partners (PNFP) at 13.47 is near its industry’s usual P/E ratio, while Fifth Third Bancorp (FITB) at 17.80 sits in the richer quartile — FITB needs stronger growth or earnings quality to justify the premium.

P/S ratio is set aside for both Fifth Third Bancorp (FITB) 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.

Pinnacle Financial Partners (PNFP) at 1.10 sits in the lower P/B ratio quartile against book while Fifth Third Bancorp (FITB) at 1.55 is valued near its industry’s middle — PNFP is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics