International [IBOC] vs PNC Financial [PNC] Detailed Stock Comparison

International Bancshares Corporation

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: International Bancshares Corporation wins in 10 metrics, PNC Financial Services Group, Inc. wins in 8 metrics, with 0 ties. International Bancshares Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric International Bancshares Corporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 10.92 12.56 International Bancshares Corporation
Price-to-Book Ratio 1.38 1.39 International Bancshares Corporation
Debt-to-Equity Ratio 0.22 1.12 International Bancshares Corporation
PEG Ratio N/A 11.84 N/A
Profit Margin (TTM) 49.85% 28.75% International Bancshares Corporation
Operating Margin (TTM) 65.08% 35.28% International Bancshares Corporation
EBITDA Margin (TTM) 65.08% 35.28% International Bancshares Corporation
Return on Equity 13.63% 11.33% International Bancshares Corporation
Return on Assets (TTM) 2.55% 1.09% International Bancshares Corporation
Free Cash Flow (TTM) $472.94M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 2.94% 3.02% PNC Financial Services Group, Inc.
1-Year Return 22.45% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 5.43 3.35 PNC Financial Services Group, Inc.
Enterprise Value $4.67B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 5.65 6.11 International Bancshares Corporation
Revenue per Share (TTM) $13 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $6.62 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.71 1.07 International Bancshares Corporation
Short % of Float 3.45% 1.26% PNC Financial Services Group, Inc.

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

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IBOC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
International Bancshares Corporation-1.88%2.18%6.01%12.21%3.06%12.34%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
International Bancshares Corporation22.45%65.22%76.38%185.99%372.41%180.84%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

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

MetricIBOCPNC
Market Information
Market Cap i$4.49B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i271,7781,904,080
90 Day Avg. Volume i483,5131,960,760
Last Close$75.09$230.56
52 Week Range$61.15 - $77.11$172.88 - $243.94
% from 52W High-2.62%-5.48%
All-Time High$77.11 (Jun 15, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-2.62%-5.48%
Growth Metrics
Quarterly Revenue Growth0.03%0.05%
Quarterly Earnings Growth-0.07%0.11%
Financial Health
Profit Margin (TTM) i0.50%0.29%
Operating Margin (TTM) i0.65%0.35%
Return on Equity (TTM) i0.14%0.11%
Debt to Equity (MRQ) i0.221.12
Cash & Liquidity
Book Value per Share (MRQ)$52.30$127.98
Cash per Share (MRQ)$8.63$27.54
Operating Cash Flow (TTM) i$491.06M$5.61B
Levered Free Cash Flow (TTM) i$412.29M$5.50B
Dividends
Last 12-Month Dividend Yield i2.94%3.02%
Last 12-Month Dividend i$2.13$6.70

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

MetricIBOC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i10.9212.56
Forward P/E i10.1711.84
PEG Ratio iN/A11.84
Price to Sales (TTM) i5.433.35
Price to Book (MRQ) i1.381.39
Market Capitalization
Market Capitalization i$4.49B$70.31B
Enterprise Value i$4.67B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i5.656.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.711.07
Book Value per Share (MRQ) i$52.30$127.98

Financial Statements Comparison: International Bancshares Corporation 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

MetricIBOC (2025)PNC (2024)
Revenue/Sales i842.17M20.81B
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 i520.36M7.24B
Pre-Tax Income % of Revenue i61.8%34.8%
Income Tax i108.07M1.29B
Income Tax % of Revenue i12.8%6.2%
Net Income (Profit) i412.29M5.95B
Profit Margin i49.0%28.6%

Balance Sheet & Liquidity Metrics

MetricIBOC (2025)PNC (2024)
Cash & Equivalents i536.49M46.25B
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 i119.20M61.67B
Long-Term Debt % of Revenue i14.2%296.4%
Total Shareholders Equity i3.25B54.47B
Retained Earnings i3.68B59.28B
Retained Earnings % of Revenue i437.1%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricIBOC (2025)PNC (2024)
Operating Cash Flow i481.73M7.96B
Operating Cash Flow % of Revenue i57.2%38.3%
Capital Expenditures i-18.10MN/A
Free Cash Flow i472.94M7.88B
FCF Margin i56.2%37.9%
Debt Repayment i-209,000-23.75B
Common Stock Repurchase i-4.61M-1.19B

Short Interest & Institutional Ownership Analysis

MetricIBOCPNC
Shares Short i1.40M4.98M
Short Ratio i2.702.41
Short % of Float i3.45%1.26%
Shares Outstanding i62.17M395.94M
Float Shares i55.59M392.38M
% Held by Insiders i13.09%0.38%
% Held by Institutions i71.66%85.29%
% Held by Public i15.25%14.33%

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

MetricIBOCPNC
Last 12-Month Dividend i$2.13$6.70
Last 12-Month Dividend Yield i2.94%3.02%
3-Year Avg Annual Dividend i$1.57$6.40
3-Year Avg Dividend Yield i1.16%1.00%
3-Year Total Dividends i$4.71$19.20
Ex-Dividend DateFeb 13, 2026Jan 20, 2026