Pathward Financial [CASH] vs PNC Financial [PNC] Detailed Stock Comparison

Pathward Financial Inc.

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pathward Financial Inc. wins in 8 metrics, PNC Financial Services Group, Inc. wins in 11 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pathward Financial Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 11.91 12.56 Pathward Financial Inc.
Price-to-Book Ratio 2.54 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.07 1.12 Pathward Financial Inc.
PEG Ratio 0.55 11.84 Pathward Financial Inc.
Profit Margin (TTM) 24.31% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 25.54% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 25.54% 35.28% PNC Financial Services Group, Inc.
Return on Equity 23.57% 11.33% Pathward Financial Inc.
Return on Assets (TTM) 2.53% 1.09% Pathward Financial Inc.
Free Cash Flow (TTM) $236.59M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 0.28% 3.02% PNC Financial Services Group, Inc.
1-Year Return 13.18% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 2.78 3.35 Pathward Financial Inc.
Enterprise Value $1.85B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 2.36 6.11 Pathward Financial Inc.
Revenue per Share (TTM) $34 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $8.21 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.74 1.07 Pathward Financial Inc.
Short % of Float 10.89% 1.26% PNC Financial Services Group, Inc.

Pathward Financial Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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CASH
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Pathward Financial Inc. vs PNC Financial Services Group, Inc.

MetricCASHPNC
Market Information
Market Cap i$1.96B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i175,8521,904,080
90 Day Avg. Volume i230,3971,960,760
Last Close$82.03$230.56
52 Week Range$65.87 - $101.26$172.88 - $243.94
% from 52W High-18.99%-5.48%
All-Time High$101.26 (Apr 17, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-18.99%-5.48%
Growth Metrics
Quarterly Revenue Growth0.04%0.05%
Quarterly Earnings Growth0.17%0.11%
Financial Health
Profit Margin (TTM) i0.24%0.29%
Operating Margin (TTM) i0.26%0.35%
Return on Equity (TTM) i0.24%0.11%
Debt to Equity (MRQ) i0.071.12
Cash & Liquidity
Book Value per Share (MRQ)$38.55$127.98
Cash per Share (MRQ)$15.22$27.54
Operating Cash Flow (TTM) i$630.66M$5.61B
Levered Free Cash Flow (TTM) i$185.18M$5.50B
Dividends
Last 12-Month Dividend Yield i0.28%3.02%
Last 12-Month Dividend i$0.25$6.70

Valuation & Enterprise Metrics Analysis: Pathward Financial Inc. vs PNC Financial Services Group, Inc.

MetricCASH (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i11.9112.56
Forward P/E i10.2111.84
PEG Ratio i0.5511.84
Price to Sales (TTM) i2.783.35
Price to Book (MRQ) i2.541.39
Market Capitalization
Market Capitalization i$1.96B$70.31B
Enterprise Value i$1.85B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i2.366.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.741.07
Book Value per Share (MRQ) i$38.55$127.98

Financial Statements Comparison: Pathward Financial Inc. vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCASH (2025)PNC (2024)
Revenue/Sales i673.63M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i223.05M7.24B
Pre-Tax Income % of Revenue i33.1%34.8%
Income Tax i36.27M1.29B
Income Tax % of Revenue i5.4%6.2%
Net Income (Profit) i186.79M5.95B
Profit Margin i27.7%28.6%

Balance Sheet & Liquidity Metrics

MetricCASH (2025)PNC (2024)
Cash & Equivalents i120.57M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i33.46M61.67B
Long-Term Debt % of Revenue i5.0%296.4%
Total Shareholders Equity i857.45M54.47B
Retained Earnings i359.83M59.28B
Retained Earnings % of Revenue i53.4%284.9%
Property, Plant & Equipment i279.25MN/A

Cash Flow Statement Comparison

MetricCASH (2025)PNC (2024)
Operating Cash Flow i453.09M7.96B
Operating Cash Flow % of Revenue i67.3%38.3%
Capital Expenditures i-185.72MN/A
Free Cash Flow i236.59M7.88B
FCF Margin i35.1%37.9%
Debt Repayment iN/A-23.75B
Common Stock Repurchase i-163.05M-1.19B

Short Interest & Institutional Ownership Analysis

MetricCASHPNC
Shares Short i1.97M4.98M
Short Ratio i8.162.41
Short % of Float i10.89%1.26%
Shares Outstanding i22.17M395.94M
Float Shares i21.45M392.38M
% Held by Insiders i1.42%0.38%
% Held by Institutions i95.01%85.29%
% Held by Public i3.57%14.33%

Dividend Analysis & Yield Comparison: Pathward Financial Inc. vs PNC Financial Services Group, Inc.

MetricCASHPNC
Last 12-Month Dividend i$0.25$6.70
Last 12-Month Dividend Yield i0.28%3.02%
3-Year Avg Annual Dividend i$0.22$6.40
3-Year Avg Dividend Yield i0.08%1.00%
3-Year Total Dividends i$0.65$19.20
Ex-Dividend DateMar 12, 2026Jan 20, 2026