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

First Financial Bankshares 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: First Financial Bankshares 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 First Financial Bankshares Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 17.37 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 2.37 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.05 1.12 First Financial Bankshares Inc.
PEG Ratio 1.07 11.84 First Financial Bankshares Inc.
Profit Margin (TTM) 42.40% 28.75% First Financial Bankshares Inc.
Operating Margin (TTM) 57.13% 35.28% First Financial Bankshares Inc.
EBITDA Margin (TTM) 57.13% 35.28% First Financial Bankshares Inc.
Return on Equity 14.56% 11.33% First Financial Bankshares Inc.
Return on Assets (TTM) 1.78% 1.09% First Financial Bankshares Inc.
Free Cash Flow (TTM) $286.01M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 2.75% 3.02% PNC Financial Services Group, Inc.
1-Year Return -7.32% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 7.36 3.35 PNC Financial Services Group, Inc.
Enterprise Value $3.93B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 6.32 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $4 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $1.84 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.83 1.07 First Financial Bankshares Inc.
Short % of Float 7.53% 1.26% PNC Financial Services Group, Inc.

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

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FFIN
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
First Financial Bankshares Inc.-2.85%-2.34%-0.25%4.52%0.19%5.63%
PNC Financial Services Group, Inc.-1.24%-1.15%0.11%2.45%10.24%3.22%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
First Financial Bankshares Inc.-7.32%15.48%-36.74%96.51%292.79%430.52%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricFFINPNC
Market Information
Market Cap i$4.58B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i679,7501,904,080
90 Day Avg. Volume i730,1301,960,760
Last Close$31.71$218.27
52 Week Range$28.12 - $38.74$172.73 - $243.94
% from 52W High-18.15%-10.52%
All-Time High$55.00 (Nov 22, 2021)$243.94 (Feb 06, 2026)
% from All-Time High-42.35%-10.52%
Growth Metrics
Quarterly Revenue Growth0.13%0.05%
Quarterly Earnings Growth0.17%0.11%
Financial Health
Profit Margin (TTM) i0.42%0.29%
Operating Margin (TTM) i0.57%0.35%
Return on Equity (TTM) i0.15%0.11%
Debt to Equity (MRQ) i0.051.12
Cash & Liquidity
Book Value per Share (MRQ)$13.48$127.98
Cash per Share (MRQ)$5.15$27.54
Operating Cash Flow (TTM) i$253.47M$5.61B
Levered Free Cash Flow (TTM) i$253.58M$5.50B
Dividends
Last 12-Month Dividend Yield i2.75%3.02%
Last 12-Month Dividend i$0.94$6.70

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

MetricFFIN (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i17.3712.56
Forward P/E i14.9511.84
PEG Ratio i1.0711.84
Price to Sales (TTM) i7.363.35
Price to Book (MRQ) i2.371.39
Market Capitalization
Market Capitalization i$4.58B$70.31B
Enterprise Value i$3.93B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i6.326.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.831.07
Book Value per Share (MRQ) i$13.48$127.98

Financial Statements Comparison: First Financial Bankshares 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

MetricFFIN (2025)PNC (2024)
Revenue/Sales i617.11M20.81B
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 i309.60M7.24B
Pre-Tax Income % of Revenue i50.2%34.8%
Income Tax i56.02M1.29B
Income Tax % of Revenue i9.1%6.2%
Net Income (Profit) i253.58M5.95B
Profit Margin i41.1%28.6%

Balance Sheet & Liquidity Metrics

MetricFFIN (2025)PNC (2024)
Cash & Equivalents i1.08B46.25B
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 i21.06M61.67B
Long-Term Debt % of Revenue i3.4%296.4%
Total Shareholders Equity i1.92B54.47B
Retained Earnings i1.49B59.28B
Retained Earnings % of Revenue i240.8%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricFFIN (2025)PNC (2024)
Operating Cash Flow i253.47M7.96B
Operating Cash Flow % of Revenue i41.1%38.3%
Capital Expenditures i-10.37MN/A
Free Cash Flow i286.01M7.88B
FCF Margin i46.3%37.9%
Debt Repayment iN/A-23.75B
Common Stock Repurchase i0-1.19B

Short Interest & Institutional Ownership Analysis

MetricFFINPNC
Shares Short i8.11M4.98M
Short Ratio i11.392.41
Short % of Float i7.53%1.26%
Shares Outstanding i143.28M395.94M
Float Shares i137.73M392.38M
% Held by Insiders i3.61%0.38%
% Held by Institutions i67.69%85.29%
% Held by Public i28.70%14.33%

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

MetricFFINPNC
Last 12-Month Dividend i$0.94$6.70
Last 12-Month Dividend Yield i2.75%3.02%
3-Year Avg Annual Dividend i$0.79$6.40
3-Year Avg Dividend Yield i0.57%1.00%
3-Year Total Dividends i$2.37$19.20
Ex-Dividend DateMar 13, 2026Jan 20, 2026