Commerce Bancshares [CBSH] vs PNC Financial [PNC] Detailed Stock Comparison

Commerce Bancshares 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: Commerce Bancshares Inc. wins in 10 metrics, PNC Financial Services Group, Inc. wins in 9 metrics, with 0 ties. Commerce Bancshares Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Commerce Bancshares Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 12.42 12.56 Commerce Bancshares Inc.
Price-to-Book Ratio 1.73 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.68 1.12 Commerce Bancshares Inc.
PEG Ratio 4.35 11.84 Commerce Bancshares Inc.
Profit Margin (TTM) 32.34% 28.75% Commerce Bancshares Inc.
Operating Margin (TTM) 42.50% 35.28% Commerce Bancshares Inc.
EBITDA Margin (TTM) 42.50% 35.28% Commerce Bancshares Inc.
Return on Equity 14.94% 11.33% Commerce Bancshares Inc.
Return on Assets (TTM) 1.72% 1.09% Commerce Bancshares Inc.
Free Cash Flow (TTM) $592.39M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 2.56% 3.02% PNC Financial Services Group, Inc.
1-Year Return -12.98% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 4.14 3.35 PNC Financial Services Group, Inc.
Enterprise Value $5.25B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 2.95 6.11 Commerce Bancshares Inc.
Revenue per Share (TTM) $13 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $4.07 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.59 1.07 Commerce Bancshares Inc.
Short % of Float 3.64% 1.26% PNC Financial Services Group, Inc.

Commerce Bancshares Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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CBSH
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Commerce Bancshares Inc.-1.27%-1.14%-0.73%-0.48%-1.91%-1.68%
PNC Financial Services Group, Inc.-1.24%-1.15%0.11%2.45%10.24%3.22%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Commerce Bancshares Inc.-12.98%19.55%-17.35%43.90%106.73%98.93%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricCBSHPNC
Market Information
Market Cap i$7.38B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i1,388,1601,904,080
90 Day Avg. Volume i1,268,5431,960,760
Last Close$51.36$218.27
52 Week Range$46.99 - $63.19$172.73 - $243.94
% from 52W High-18.72%-10.52%
All-Time High$72.75 (Nov 25, 2024)$243.94 (Feb 06, 2026)
% from All-Time High-29.40%-10.52%
Growth Metrics
Quarterly Revenue Growth0.17%0.05%
Quarterly Earnings Growth0.08%0.11%
Financial Health
Profit Margin (TTM) i0.32%0.29%
Operating Margin (TTM) i0.43%0.35%
Return on Equity (TTM) i0.15%0.11%
Debt to Equity (MRQ) i0.681.12
Cash & Liquidity
Book Value per Share (MRQ)$29.16$127.98
Cash per Share (MRQ)$32.45$27.54
Operating Cash Flow (TTM) i$651.84M$5.61B
Levered Free Cash Flow (TTM) i$560.87M$5.50B
Dividends
Last 12-Month Dividend Yield i2.56%3.02%
Last 12-Month Dividend i$1.40$6.70

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

MetricCBSH (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i12.4212.56
Forward P/E i11.7311.84
PEG Ratio i4.3511.84
Price to Sales (TTM) i4.143.35
Price to Book (MRQ) i1.731.39
Market Capitalization
Market Capitalization i$7.38B$70.31B
Enterprise Value i$5.25B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i2.956.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.591.07
Book Value per Share (MRQ) i$29.16$127.98

Financial Statements Comparison: Commerce Bancshares 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

MetricCBSH (2025)PNC (2024)
Revenue/Sales i1.77B20.81B
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 i731.84M7.24B
Pre-Tax Income % of Revenue i41.4%34.8%
Income Tax i161.14M1.29B
Income Tax % of Revenue i9.1%6.2%
Net Income (Profit) i570.70M5.95B
Profit Margin i32.3%28.6%

Balance Sheet & Liquidity Metrics

MetricCBSH (2025)PNC (2024)
Cash & Equivalents i3.55B46.25B
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 i12.80M61.67B
Long-Term Debt % of Revenue i0.7%296.4%
Total Shareholders Equity i3.81B54.47B
Retained Earnings i131.83M59.28B
Retained Earnings % of Revenue i7.5%284.9%
Property, Plant & Equipment i283.30MN/A

Cash Flow Statement Comparison

MetricCBSH (2025)PNC (2024)
Operating Cash Flow i651.84M7.96B
Operating Cash Flow % of Revenue i36.9%38.3%
Capital Expenditures i-52.65MN/A
Free Cash Flow i592.39M7.88B
FCF Margin i33.5%37.9%
Debt Repayment i0-23.75B
Common Stock Repurchase i-207.57M-1.19B

Short Interest & Institutional Ownership Analysis

MetricCBSHPNC
Shares Short i5.22M4.98M
Short Ratio i4.382.41
Short % of Float i3.64%1.26%
Shares Outstanding i145.98M395.94M
Float Shares i133.12M392.38M
% Held by Insiders i2.41%0.38%
% Held by Institutions i69.62%85.29%
% Held by Public i27.97%14.33%

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

MetricCBSHPNC
Last 12-Month Dividend i$1.40$6.70
Last 12-Month Dividend Yield i2.56%3.02%
3-Year Avg Annual Dividend i$1.13$6.40
3-Year Avg Dividend Yield i0.50%1.00%
3-Year Total Dividends i$3.40$19.20
Ex-Dividend DateMar 06, 2026Jan 20, 2026