First Financial [FFBC] vs PNC Financial [PNC] Detailed Stock Comparison

First Financial 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 Financial Bancorp. wins in 11 metrics, PNC Financial Services Group, Inc. wins in 8 metrics, with 0 ties. First Financial Bancorp. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric First Financial Bancorp. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 10.92 12.56 First Financial Bancorp.
Price-to-Book Ratio 1.03 1.39 First Financial Bancorp.
Debt-to-Equity Ratio 0.59 1.12 First Financial Bancorp.
PEG Ratio -1.88 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 29.88% 28.75% First Financial Bancorp.
Operating Margin (TTM) 38.64% 35.28% First Financial Bancorp.
EBITDA Margin (TTM) 38.64% 35.28% First Financial Bancorp.
Return on Equity 9.82% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.29% 1.09% First Financial Bancorp.
Free Cash Flow (TTM) $317.10M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.08% 3.02% First Financial Bancorp.
1-Year Return 27.32% 27.22% First Financial Bancorp.
Price-to-Sales Ratio (TTM) 3.56 3.35 PNC Financial Services Group, Inc.
Enterprise Value $3.30B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 3.86 6.11 First Financial Bancorp.
Revenue per Share (TTM) $9 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $2.66 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.94 1.07 First Financial Bancorp.
Short % of Float 4.71% 1.26% PNC Financial Services Group, Inc.

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

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FFBC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Financial Bancorp.2.59%-3.41%-0.80%6.25%16.38%18.65%
PNC Financial Services Group, Inc.4.04%-1.15%0.11%2.45%10.24%3.22%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Financial Bancorp.27.32%47.53%20.06%55.51%104.52%84.41%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricFFBCPNC
Market Information
Market Cap i$3.13B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i1,055,0421,904,080
90 Day Avg. Volume i911,3871,960,760
Last Close$30.54$227.08
52 Week Range$22.93 - $31.38$172.73 - $243.94
% from 52W High-2.68%-6.91%
All-Time High$33.70 (Jun 11, 2018)$243.94 (Feb 06, 2026)
% from All-Time High-9.38%-6.91%
Growth Metrics
Quarterly Revenue Growth0.22%0.05%
Quarterly Earnings Growth-0.04%0.11%
Financial Health
Profit Margin (TTM) i0.30%0.29%
Operating Margin (TTM) i0.39%0.35%
Return on Equity (TTM) i0.10%0.11%
Debt to Equity (MRQ) i0.591.12
Cash & Liquidity
Book Value per Share (MRQ)$28.11$127.98
Cash per Share (MRQ)$12.24$27.54
Operating Cash Flow (TTM) i$337.86M$5.61B
Levered Free Cash Flow (TTM) i$255.61M$5.50B
Dividends
Last 12-Month Dividend Yield i4.08%3.02%
Last 12-Month Dividend i$1.23$6.70

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

MetricFFBC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i10.9212.56
Forward P/E i8.5711.84
PEG Ratio i-1.8811.84
Price to Sales (TTM) i3.563.35
Price to Book (MRQ) i1.031.39
Market Capitalization
Market Capitalization i$3.13B$70.31B
Enterprise Value i$3.30B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i3.866.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.941.07
Book Value per Share (MRQ) i$28.11$127.98

Financial Statements Comparison: First Financial 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

MetricFFBC (2025)PNC (2024)
Revenue/Sales i899.48M20.81B
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 i321.27M7.24B
Pre-Tax Income % of Revenue i35.7%34.8%
Income Tax i65.67M1.29B
Income Tax % of Revenue i7.3%6.2%
Net Income (Profit) i255.61M5.95B
Profit Margin i28.4%28.6%

Balance Sheet & Liquidity Metrics

MetricFFBC (2025)PNC (2024)
Cash & Equivalents i775.89M46.25B
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 i514.05M61.67B
Long-Term Debt % of Revenue i57.1%296.4%
Total Shareholders Equity i2.77B54.47B
Retained Earnings i1.44B59.28B
Retained Earnings % of Revenue i159.8%284.9%
Property, Plant & Equipment i214.00MN/A

Cash Flow Statement Comparison

MetricFFBC (2025)PNC (2024)
Operating Cash Flow i297.25M7.96B
Operating Cash Flow % of Revenue i33.0%38.3%
Capital Expenditures i-20.76MN/A
Free Cash Flow i317.10M7.88B
FCF Margin i35.3%37.9%
Debt Repayment i-131.49M-23.75B
Common Stock Repurchase iN/A-1.19B

Short Interest & Institutional Ownership Analysis

MetricFFBCPNC
Shares Short i4.24M4.98M
Short Ratio i5.222.41
Short % of Float i4.71%1.26%
Shares Outstanding i98.52M395.94M
Float Shares i97.57M392.38M
% Held by Insiders i1.03%0.38%
% Held by Institutions i78.24%85.29%
% Held by Public i20.73%14.33%

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

MetricFFBCPNC
Last 12-Month Dividend i$1.23$6.70
Last 12-Month Dividend Yield i4.08%3.02%
3-Year Avg Annual Dividend i$1.03$6.40
3-Year Avg Dividend Yield i0.98%1.00%
3-Year Total Dividends i$3.09$19.20
Ex-Dividend DateMar 02, 2026Jan 20, 2026