Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in U.S. Bancorp, Pinnacle Financial Partners or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how U.S. Bancorp, Pinnacle Financial Partners and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About U.S. Bancorp, Pinnacle Financial Partners and Inc.

U.S. Bancorp, a financial services holding company, provides various financial services to individuals, businesses, institutional organizations, governmental entities, and other financial institutions in the United States. The company operates through Wealth, Corporate, Commercial and Institutional Banking; Consumer and Business Banking; Payment Services; and Treasury and Corporate Support segments. It offers depository services, including checking accounts, savings accounts, and time certificate contracts; and lending services, such as traditional credit products and credit card services, lease financing and import/export trade, agricultural finance, asset-backed lending, and other products. The company also provides cash management, capital markets, and trust and investment management services; and ancillary services comprising capital markets, treasury management, and receivable lock-box collection services to corporate and governmental entity customers. In addition, it offers asset management and fiduciary services for individuals, estates, foundations, business corporations, and charitable organizations; and investment and insurance products to its customers principally within its domestic markets, as well as fund administration services to mutual and other funds. Further, the company provides corporate and purchasing card, and corporate trust services; and credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage and leasing services. U.S. Bancorp was founded in 1863 and is headquartered in Minneapolis, Minnesota.

Pinnacle Financial Partners, Inc. operates as the bank holding company for Pinnacle Bank that provides various banking products and services to individuals, businesses, and professional entities in the United States. It accepts various deposits, including savings, noninterest-bearing and interest-bearing checking, money market, and certificate of deposit accounts; and provides treasury management services, such as online wire origination, enhanced ACH origination, positive pay, zero balance and sweep accounts, automated bill pay services, electronic receivables processing, lockbox processing, and merchant card acceptance services, small business and commercial credit cards corporate purchasing cards, and virtual accounting/deposit escrow solutions. The company also offers equipment and working capital loans; commercial real estate loans, such as investment properties and business loan; secured and unsecured loans comprising installment and term, lines of credit, and residential first mortgage, as well as home equity loans and home equity lines of credit; and credit cards for consumers and businesses. In addition, the company provides investment products; brokerage and investment advisory programs; and fiduciary and investment services, including personal trust, investment management, estate administration, endowments, foundations, individual retirement accounts, escrow services, and custody. Further, it offers insurance agency services in the property and casualty area; investment, merger and acquisition advisory services, private debt, equity and mezzanine placement services, and other middle-market advisory services; and other banking services, including telephone and online banking, mobile banking, debit cards, direct deposit and remote deposit capture, mobile deposit option, automated teller machine, and cash management services. Pinnacle Financial Partners, Inc. was incorporated in 2000 and is headquartered in Atlanta, Georgia.

Latest Banks and U.S. Bancorp, Pinnacle Financial Partners, Inc. Stock News

As of May 13, 2026, U.S. Bancorp had a $81.9 billion market capitalization, compared to the Banks median of $690.6 million. U.S. Bancorp’s stock is up 0.6% in 2026, down 3% in the previous five trading days and up 19.84% in the past year.

Currently, U.S. Bancorp’s price-earnings ratio is 11.1. U.S. Bancorp’s trailing 12-month revenue is $26.6 billion with a 29.3% net profit margin. Year-over-year quarterly sales growth most recently was 4.6%. Analysts expect adjusted earnings to reach $5.106 per share for the current fiscal year. U.S. Bancorp currently has a 3.9% dividend yield.

As of May 13, 2026, Pinnacle Financial Partners, Inc. had a $14.2 billion market cap, putting it in the 82nd percentile of all stocks. Pinnacle Financial Partners, Inc.’s stock is up 0.5% in 2026, down 2.8% in the previous five trading days and down 14.98% in the past year.

Currently, Pinnacle Financial Partners, Inc.’s price-earnings ratio is 14.5. Pinnacle Financial Partners, Inc.’s trailing 12-month revenue is $2.6 billion with a 24.7% net profit margin. Year-over-year quarterly sales growth most recently was 156.4%. Analysts expect adjusted earnings to reach $10.321 per share for the current fiscal year. Pinnacle Financial Partners, Inc. currently has a 2.1% dividend yield.

How We Compare U.S. Bancorp, Pinnacle Financial Partners and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at U.S. Bancorp, Pinnacle Financial Partners and Inc.’s stock grades to see how they measure up against one another.

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U.S. Bancorp, Pinnacle Financial Partners and Inc. Stock Value Grades

Company	Ticker	Value
U.S. Bancorp	USB	B
Pinnacle Financial Partners, Inc.	PNFP	C

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

U.S. Bancorp has a Value Score of 74, which is Value. Pinnacle Financial Partners, Inc. has a Value Score of 49, which is Average.

The Value Stock Winner: U.S. Bancorp

As you can clearly see from the Value Grade breakdown above, U.S. Bancorp is considered to have better value than Pinnacle Financial Partners, Inc.. For investors who focus solely on a company’s valuation, U.S. Bancorp could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

U.S. Bancorp, Pinnacle Financial Partners and Inc.’s Momentum Grades

Company	Ticker	Momentum
U.S. Bancorp	USB	C
Pinnacle Financial Partners, Inc.	PNFP	D

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

U.S. Bancorp has a Momentum Score of 49, which is Average. Pinnacle Financial Partners, Inc. has a Momentum Score of 32, which is Weak.

The Momentum Stock Winner: No Clear Winner

Neither U.S. Bancorp, Pinnacle Financial Partners or Inc. has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if U.S. Bancorp, Pinnacle Financial Partners or Inc. is the better investment when it comes to momentum.

U.S. Bancorp, Pinnacle Financial Partners and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
U.S. Bancorp	USB	B
Pinnacle Financial Partners, Inc.	PNFP	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

U.S. Bancorp has a Earnings Estimate Score of 71, which is Positive. Pinnacle Financial Partners, Inc. has a Earnings Estimate Score of 44, which is Neutral.

The Earnings Estimate Revisions Grade Winner: U.S. Bancorp

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, U.S. Bancorp has a better Earnings Estimate Revisions Grade than Pinnacle Financial Partners, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, U.S. Bancorp could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other U.S. Bancorp, Pinnacle Financial Partners and Inc. Grades

In addition to Estimate Revisions, Value and Momentum, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether U.S. Bancorp, Pinnacle Financial Partners and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, U.S. Bancorp, Pinnacle Financial Partners or Inc. Stock?

Overall, U.S. Bancorp stock has a Value Score of 74, Momentum Score of 49 and Estimate Revisions Score of 71.

Pinnacle Financial Partners, Inc. stock has a Value Score of 49, Momentum Score of 32 and Estimate Revisions Score of 44.

Comparing U.S. Bancorp, Pinnacle Financial Partners and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.