German American [GABC] vs PNC Financial [PNC] Detailed Stock Comparison

German American Bancorp 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: German American Bancorp Inc. wins in 10 metrics, PNC Financial Services Group, Inc. wins in 9 metrics, with 0 ties. German American Bancorp Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric German American Bancorp Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 14.16 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.40 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.17 1.12 German American Bancorp Inc.
PEG Ratio 0.65 11.84 German American Bancorp Inc.
Profit Margin (TTM) 32.93% 28.75% German American Bancorp Inc.
Operating Margin (TTM) 47.42% 35.28% German American Bancorp Inc.
EBITDA Margin (TTM) 47.42% 35.28% German American Bancorp Inc.
Return on Equity 12.00% 11.33% German American Bancorp Inc.
Return on Assets (TTM) 1.53% 1.09% German American Bancorp Inc.
Free Cash Flow (TTM) $154.00M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.61% 3.02% German American Bancorp Inc.
1-Year Return 22.85% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 4.76 3.35 PNC Financial Services Group, Inc.
Enterprise Value $1.69B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.95 6.11 German American Bancorp Inc.
Revenue per Share (TTM) $9 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.06 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.58 1.07 German American Bancorp Inc.
Short % of Float 3.33% 1.26% PNC Financial Services Group, Inc.

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

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GABC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
German American Bancorp Inc.-2.05%1.28%8.00%11.70%7.87%15.66%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
German American Bancorp Inc.22.85%56.69%22.07%116.25%323.92%422.30%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

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

MetricGABCPNC
Market Information
Market Cap i$1.64B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i134,1811,904,080
90 Day Avg. Volume i190,7471,960,760
Last Close$44.97$230.56
52 Week Range$36.55 - $46.39$172.88 - $243.94
% from 52W High-3.06%-5.48%
All-Time High$51.11 (Mar 15, 2021)$243.94 (Feb 06, 2026)
% from All-Time High-12.01%-5.48%
Growth Metrics
Quarterly Revenue Growth0.45%0.05%
Quarterly Earnings Growth0.54%0.11%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.47%0.35%
Return on Equity (TTM) i0.12%0.11%
Debt to Equity (MRQ) i0.171.12
Cash & Liquidity
Book Value per Share (MRQ)$31.00$127.98
Cash per Share (MRQ)$3.28$27.54
Operating Cash Flow (TTM) i$159.32M$5.61B
Levered Free Cash Flow (TTM) i$112.64M$5.50B
Dividends
Last 12-Month Dividend Yield i3.61%3.02%
Last 12-Month Dividend i$1.47$6.70

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

MetricGABC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i14.1612.56
Forward P/E i10.8511.84
PEG Ratio i0.6511.84
Price to Sales (TTM) i4.763.35
Price to Book (MRQ) i1.401.39
Market Capitalization
Market Capitalization i$1.64B$70.31B
Enterprise Value i$1.69B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.956.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.581.07
Book Value per Share (MRQ) i$31.00$127.98

Financial Statements Comparison: German American Bancorp 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

MetricGABC (2025)PNC (2024)
Revenue/Sales i361.44M20.81B
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 i140.07M7.24B
Pre-Tax Income % of Revenue i38.8%34.8%
Income Tax i27.44M1.29B
Income Tax % of Revenue i7.6%6.2%
Net Income (Profit) i112.64M5.95B
Profit Margin i31.2%28.6%

Balance Sheet & Liquidity Metrics

MetricGABC (2025)PNC (2024)
Cash & Equivalents i71.93M46.25B
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 i138.83M61.67B
Long-Term Debt % of Revenue i38.4%296.4%
Total Shareholders Equity i1.16B54.47B
Retained Earnings i582.95M59.28B
Retained Earnings % of Revenue i161.3%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricGABC (2025)PNC (2024)
Operating Cash Flow i146.86M7.96B
Operating Cash Flow % of Revenue i40.6%38.3%
Capital Expenditures i-5.24MN/A
Free Cash Flow i154.00M7.88B
FCF Margin i42.6%37.9%
Debt Repayment i-64.48M-23.75B
Common Stock Repurchase iN/A-1.19B

Short Interest & Institutional Ownership Analysis

MetricGABCPNC
Shares Short i1.21M4.98M
Short Ratio i5.892.41
Short % of Float i3.33%1.26%
Shares Outstanding i37.50M395.94M
Float Shares i35.88M392.38M
% Held by Insiders i3.19%0.38%
% Held by Institutions i53.04%85.29%
% Held by Public i43.77%14.33%

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

MetricGABCPNC
Last 12-Month Dividend i$1.47$6.70
Last 12-Month Dividend Yield i3.61%3.02%
3-Year Avg Annual Dividend i$1.18$6.40
3-Year Avg Dividend Yield i0.76%1.00%
3-Year Total Dividends i$3.55$19.20
Ex-Dividend DateFeb 10, 2026Jan 20, 2026