Independent Bank [INDB] vs PNC Financial [PNC] Detailed Stock Comparison

Independent Bank Corp.

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: Independent Bank Corp. wins in 9 metrics, PNC Financial Services Group, Inc. wins in 10 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Independent Bank Corp. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 15.44 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.07 1.39 Independent Bank Corp.
Debt-to-Equity Ratio 0.22 1.12 Independent Bank Corp.
PEG Ratio 0.27 11.84 Independent Bank Corp.
Profit Margin (TTM) 27.46% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 47.55% 35.28% Independent Bank Corp.
EBITDA Margin (TTM) 47.55% 35.28% Independent Bank Corp.
Return on Equity 7.32% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.08% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $239.03M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.78% 3.02% Independent Bank Corp.
1-Year Return 28.59% 27.22% Independent Bank Corp.
Price-to-Sales Ratio (TTM) 4.31 3.35 PNC Financial Services Group, Inc.
Enterprise Value $3.82B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.36 6.11 Independent Bank Corp.
Revenue per Share (TTM) $18 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $5.03 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.81 1.07 Independent Bank Corp.
Short % of Float 5.41% 1.26% PNC Financial Services Group, Inc.

Independent Bank Corp. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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INDB
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Independent Bank Corp.-3.01%-0.96%2.57%-0.96%8.01%8.13%
PNC Financial Services Group, Inc.-1.24%0.10%1.37%3.17%15.08%4.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Independent Bank Corp.28.59%60.05%-2.73%61.75%182.43%142.13%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

Performance & Financial Health Analysis: Independent Bank Corp. vs PNC Financial Services Group, Inc.

MetricINDBPNC
Market Information
Market Cap i$3.80B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i398,5211,904,080
90 Day Avg. Volume i357,8271,960,760
Last Close$76.74$218.27
52 Week Range$57.01 - $87.00$172.73 - $243.94
% from 52W High-11.79%-10.52%
All-Time High$99.85 (Mar 08, 2021)$243.94 (Feb 06, 2026)
% from All-Time High-23.14%-10.52%
Growth Metrics
Quarterly Revenue Growth0.52%0.05%
Quarterly Earnings Growth0.80%0.11%
Financial Health
Profit Margin (TTM) i0.27%0.29%
Operating Margin (TTM) i0.48%0.35%
Return on Equity (TTM) i0.07%0.11%
Debt to Equity (MRQ) i0.221.12
Cash & Liquidity
Book Value per Share (MRQ)$72.33$127.98
Cash per Share (MRQ)$15.01$27.54
Operating Cash Flow (TTM) i$213.83M$5.61B
Levered Free Cash Flow (TTM) i$205.12M$5.50B
Dividends
Last 12-Month Dividend Yield i3.78%3.02%
Last 12-Month Dividend i$2.93$6.70

Valuation & Enterprise Metrics Analysis: Independent Bank Corp. vs PNC Financial Services Group, Inc.

MetricINDB (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i15.4412.56
Forward P/E i9.3211.84
PEG Ratio i0.2711.84
Price to Sales (TTM) i4.313.35
Price to Book (MRQ) i1.071.39
Market Capitalization
Market Capitalization i$3.80B$70.31B
Enterprise Value i$3.82B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.366.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.811.07
Book Value per Share (MRQ) i$72.33$127.98

Financial Statements Comparison: Independent Bank Corp. 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

MetricINDB (2025)PNC (2024)
Revenue/Sales i849.03M20.81B
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 i262.17M7.24B
Pre-Tax Income % of Revenue i30.9%34.8%
Income Tax i57.05M1.29B
Income Tax % of Revenue i6.7%6.2%
Net Income (Profit) i205.12M5.95B
Profit Margin i24.2%28.6%

Balance Sheet & Liquidity Metrics

MetricINDB (2025)PNC (2024)
Cash & Equivalents i771.90M46.25B
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 i775.89M61.67B
Long-Term Debt % of Revenue i91.4%296.4%
Total Shareholders Equity i3.57B54.47B
Retained Earnings i1.27B59.28B
Retained Earnings % of Revenue i149.5%284.9%
Property, Plant & Equipment i32.65MN/A

Cash Flow Statement Comparison

MetricINDB (2025)PNC (2024)
Operating Cash Flow i213.83M7.96B
Operating Cash Flow % of Revenue i25.2%38.3%
Capital Expenditures i-11.84MN/A
Free Cash Flow i239.03M7.88B
FCF Margin i28.2%37.9%
Debt Repayment i-344.37M-23.75B
Common Stock Repurchase iN/A-1.19B

Short Interest & Institutional Ownership Analysis

MetricINDBPNC
Shares Short i1.96M4.98M
Short Ratio i6.152.41
Short % of Float i5.41%1.26%
Shares Outstanding i48.57M395.94M
Float Shares i47.97M392.38M
% Held by Insiders i1.61%0.38%
% Held by Institutions i89.17%85.29%
% Held by Public i9.22%14.33%

Dividend Analysis & Yield Comparison: Independent Bank Corp. vs PNC Financial Services Group, Inc.

MetricINDBPNC
Last 12-Month Dividend i$2.93$6.70
Last 12-Month Dividend Yield i3.78%3.02%
3-Year Avg Annual Dividend i$2.46$6.40
3-Year Avg Dividend Yield i0.96%1.00%
3-Year Total Dividends i$7.39$19.20
Ex-Dividend DateDec 29, 2025Jan 20, 2026