First Bancorp [FBNC] vs PNC Financial [PNC] Detailed Stock Comparison

First Bancorp.

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: First Bancorp. wins in 6 metrics, PNC Financial Services Group, Inc. wins in 13 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Bancorp. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 22.07 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.48 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.06 1.12 First Bancorp.
PEG Ratio 0.07 11.84 First Bancorp.
Profit Margin (TTM) 29.32% 28.75% First Bancorp.
Operating Margin (TTM) 23.04% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 23.04% 35.28% PNC Financial Services Group, Inc.
Return on Equity 7.17% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.90% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $198.89M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 2.16% 3.02% PNC Financial Services Group, Inc.
1-Year Return 42.20% 27.22% First Bancorp.
Price-to-Sales Ratio (TTM) 6.48 3.35 PNC Financial Services Group, Inc.
Enterprise Value $2.23B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 5.90 6.11 First Bancorp.
Revenue per Share (TTM) $9 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $2.68 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.86 1.07 First Bancorp.
Short % of Float 5.80% 1.26% PNC Financial Services Group, Inc.

First Bancorp. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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FBNC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Bancorp.-3.50%-0.08%3.58%2.41%17.28%16.66%
PNC Financial Services Group, Inc.-1.24%0.10%1.37%3.17%15.08%4.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Bancorp.42.20%77.36%37.07%202.94%439.72%167.77%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricFBNCPNC
Market Information
Market Cap i$2.47B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i177,6431,904,080
90 Day Avg. Volume i222,6281,960,760
Last Close$57.31$218.27
52 Week Range$40.00 - $62.64$172.73 - $243.94
% from 52W High-8.51%-10.52%
All-Time High$62.64 (Feb 09, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-8.51%-10.52%
Growth Metrics
Quarterly Revenue Growth0.22%0.05%
Quarterly Earnings Growth3.43%0.11%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.23%0.35%
Return on Equity (TTM) i0.07%0.11%
Debt to Equity (MRQ) i0.061.12
Cash & Liquidity
Book Value per Share (MRQ)$39.89$127.98
Cash per Share (MRQ)$7.55$27.54
Operating Cash Flow (TTM) i$203.13M$5.61B
Levered Free Cash Flow (TTM) i$110.43M$5.50B
Dividends
Last 12-Month Dividend Yield i2.16%3.02%
Last 12-Month Dividend i$1.15$6.70

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

MetricFBNC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i22.0712.56
Forward P/E i11.9311.84
PEG Ratio i0.0711.84
Price to Sales (TTM) i6.483.35
Price to Book (MRQ) i1.481.39
Market Capitalization
Market Capitalization i$2.47B$70.31B
Enterprise Value i$2.23B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i5.906.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.861.07
Book Value per Share (MRQ) i$39.89$127.98

Financial Statements Comparison: First Bancorp. 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

MetricFBNC (2025)PNC (2024)
Revenue/Sales i384.04M20.81B
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 i139.50M7.24B
Pre-Tax Income % of Revenue i36.3%34.8%
Income Tax i28.45M1.29B
Income Tax % of Revenue i7.4%6.2%
Net Income (Profit) i111.05M5.95B
Profit Margin i28.9%28.6%

Balance Sheet & Liquidity Metrics

MetricFBNC (2025)PNC (2024)
Cash & Equivalents i309.60M46.25B
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 i-2.76M61.67B
Long-Term Debt % of Revenue i-0.7%296.4%
Total Shareholders Equity i1.65B54.47B
Retained Earnings i829.66M59.28B
Retained Earnings % of Revenue i216.0%284.9%
Property, Plant & Equipment i2.45MN/A

Cash Flow Statement Comparison

MetricFBNC (2025)PNC (2024)
Operating Cash Flow i123.65M7.96B
Operating Cash Flow % of Revenue i32.2%38.3%
Capital Expenditures i3.01MN/A
Free Cash Flow i198.89M7.88B
FCF Margin i51.8%37.9%
Debt Repayment i-20.05M-23.75B
Common Stock Repurchase i-991,000-1.19B

Short Interest & Institutional Ownership Analysis

MetricFBNCPNC
Shares Short i2.02M4.98M
Short Ratio i8.732.41
Short % of Float i5.80%1.26%
Shares Outstanding i41.47M395.94M
Float Shares i40.67M392.38M
% Held by Insiders i3.73%0.38%
% Held by Institutions i80.30%85.29%
% Held by Public i15.97%14.33%

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

MetricFBNCPNC
Last 12-Month Dividend i$1.15$6.70
Last 12-Month Dividend Yield i2.16%3.02%
3-Year Avg Annual Dividend i$0.97$6.40
3-Year Avg Dividend Yield i0.58%1.00%
3-Year Total Dividends i$2.91$19.20
Ex-Dividend DateMar 31, 2026Jan 20, 2026