Cullen/Frost Bankers (CFR) vs Pinnacle Financial Partners (PNFP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Cullen/Frost Bankers (CFR) has outperformed Pinnacle Financial Partners (PNFP) over the past year, gaining 18.0% versus a gain of 1.3%. Over five years, CFR leads with a +21.6% price change compared with -6.7% for PNFP. Pinnacle Financial Partners is the larger company by market cap ($14.07 billion vs $9.35 billion), about 1.5 times the size.
On valuation, Pinnacle Financial Partners trades at a lower forward P/E (8.1x vs 12.6x for Cullen/Frost Bankers). Cullen/Frost Bankers offers the higher dividend yield (2.68% vs 1.59%). Pinnacle Financial Partners converts more of its revenue into profit, with a net margin of 31.2% versus 29.0%.
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 | CFR | PNFP |
|---|---|---|
| Share price | $150.37 | $93.09 |
| Market cap | $9.35B | $14.07B |
| 1-day change | -1.69% | -3.17% |
| YTD return | +18.75% | -2.43% |
| 1-year return | +18.00% | +1.27% |
| 5-year return | +21.60% | -6.70% |
| P/E ratio (TTM) | 14.21 | 12.82 |
| Forward P/E | 12.61 | 8.09 |
| EPS (TTM) | $10.58 | $7.26 |
| Dividend yield | 2.68% | 1.59% |
| Annual dividend | $4.03 | $1.48 |
| Revenue (latest FY) | $2.24B | $2.05B |
| Revenue growth (YoY) | +8.31% | +18.31% |
| Net income (latest FY) | $648.56M | $641.87M |
| Net margin | 29.02% | 31.24% |
| 52-week high | $170.80 | $110.33 |
| 52-week low | $119.00 | $81.08 |
| Distance from 52-week high | -11.96% | -15.63% |
| Analyst consensus | hold | buy |
| Avg. price target upside | +15.29% | +28.03% |
| Average volume | 540.54K | 1.11M |
| Shares outstanding | 62.15M | 151.11M |
| Employees | 6,008 | 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
- CFR has outperformed PNFP by 16.7 percentage points over the past year.
- Cullen/Frost Bankers offers a meaningfully higher dividend yield (2.68% vs 1.59%).
- Pinnacle Financial Partners grew revenue faster in its latest fiscal year (+18.31% vs +8.31%).
About Cullen/Frost Bankers
CFR stock →Cullen/Frost Bankers, Inc. operates as the bank holding company for Frost Bank that provides commercial and consumer banking services in Texas.
Finance · Major Banks · 6,008 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
CFR vs PNFP FAQ
Which is bigger, Cullen/Frost Bankers or Pinnacle Financial Partners?
Pinnacle Financial Partners (PNFP) is larger, with a market capitalization of $14.07B compared with $9.35B for Cullen/Frost Bankers (CFR).
Which stock has performed better over the past year, CFR or PNFP?
CFR returned +18.00% over the past 12 months, compared with +1.27% for PNFP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFR or PNFP?
PNFP has the lower trailing P/E at 12.8, versus 14.2 for CFR. 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, Cullen/Frost Bankers or Pinnacle Financial Partners?
Cullen/Frost Bankers has the higher yield at 2.68%, compared with 1.59% for Pinnacle Financial Partners.
Are Cullen/Frost Bankers and Pinnacle Financial Partners in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.