Citizens Financial Group (CFG) vs Pinnacle Financial Partners (PNFP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Citizens Financial Group (CFG) has outperformed Pinnacle Financial Partners (PNFP) over the past year, gaining 23.2% versus a gain of 3.4%. Over five years, CFG leads with a +33.3% price change compared with -5.1% for PNFP. Citizens Financial Group is the larger company by market cap ($26.83 billion vs $14.18 billion), about 1.9 times the size, while Pinnacle Financial Partners is growing revenue faster (+18.3% vs +5.6%).
On valuation, Pinnacle Financial Partners trades at a lower forward P/E (8.2x vs 9.8x for Citizens Financial Group). Citizens Financial Group offers the higher dividend yield (2.83% vs 1.58%). Pinnacle Financial Partners converts more of its revenue into profit, with a net margin of 31.2% versus 22.2%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFG | PNFP |
|---|---|---|
| Share price | $63.70 | $93.82 |
| Market cap | $26.83B | $14.18B |
| 1-day change | -0.62% | -0.90% |
| YTD return | +9.72% | -0.78% |
| 1-year return | +23.23% | +3.41% |
| 5-year return | +33.27% | -5.11% |
| P/E ratio (TTM) | 13.88 | 12.92 |
| Forward P/E | 9.77 | 8.17 |
| EPS (TTM) | $4.59 | $7.26 |
| Dividend yield | 2.83% | 1.58% |
| Annual dividend | $1.80 | $1.48 |
| Revenue (latest FY) | $8.25B | $2.05B |
| Revenue growth (YoY) | +5.61% | +18.31% |
| Net income (latest FY) | $1.83B | $641.87M |
| Net margin | 22.20% | 31.24% |
| 52-week high | $75.33 | $110.33 |
| 52-week low | $47.96 | $81.08 |
| Distance from 52-week high | -15.45% | -14.96% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +24.25% | +27.03% |
| Average volume | 3.87M | 1.12M |
| Shares outstanding | 421.18M | 151.11M |
| Employees | 17,727 | 8,433 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CFG has outperformed PNFP by 19.8 percentage points over the past year.
- Citizens Financial Group offers a meaningfully higher dividend yield (2.83% vs 1.58%).
- Pinnacle Financial Partners is more profitable, keeping 31.2 cents of every revenue dollar as net income versus 22.2 cents for Citizens Financial Group.
- Pinnacle Financial Partners grew revenue faster in its latest fiscal year (+18.31% vs +5.61%).
About Citizens Financial Group
CFG stock →Citizens Financial Group, Inc. operates as the bank holding company that provides retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions in the United States.
Finance · Major Banks · 17,727 employees
About Pinnacle Financial Partners
PNFP stock →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.
Finance · Major Banks · 8,433 employees
CFG vs PNFP FAQ
Which is bigger, Citizens Financial Group or Pinnacle Financial Partners?
Citizens Financial Group (CFG) is larger, with a market capitalization of $26.83B compared with $14.18B for Pinnacle Financial Partners (PNFP).
Which stock has performed better over the past year, CFG or PNFP?
CFG returned +23.23% over the past 12 months, compared with +3.41% for PNFP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFG or PNFP?
PNFP has the lower trailing P/E at 12.9, versus 13.9 for CFG. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Citizens Financial Group or Pinnacle Financial Partners?
Citizens Financial Group has the higher yield at 2.83%, compared with 1.58% for Pinnacle Financial Partners.
Are Citizens Financial Group and Pinnacle Financial Partners in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.