Merchants Bancorp [MBIN] vs PNC Financial [PNC] Detailed Stock Comparison

Merchants 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: Merchants Bancorp Inc. wins in 6 metrics, PNC Financial Services Group, Inc. wins in 13 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Merchants Bancorp Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 13.08 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.31 1.39 Merchants Bancorp Inc.
Debt-to-Equity Ratio 1.69 1.12 PNC Financial Services Group, Inc.
PEG Ratio -0.42 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 38.81% 28.75% Merchants Bancorp Inc.
Operating Margin (TTM) 52.01% 35.28% Merchants Bancorp Inc.
EBITDA Margin (TTM) 52.01% 35.28% Merchants Bancorp Inc.
Return on Equity 9.67% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.14% 1.09% Merchants Bancorp Inc.
Free Cash Flow (TTM) $-376.67M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 1.18% 3.02% PNC Financial Services Group, Inc.
1-Year Return 47.22% 27.22% Merchants Bancorp Inc.
Price-to-Sales Ratio (TTM) 4.03 3.35 PNC Financial Services Group, Inc.
Enterprise Value $5.79B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 10.27 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $12 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.78 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 1.16 1.07 PNC Financial Services Group, Inc.
Short % of Float 6.57% 1.26% PNC Financial Services Group, Inc.

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

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MBIN
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Merchants Bancorp Inc.-2.88%-2.46%-0.76%5.83%32.21%37.31%
PNC Financial Services Group, Inc.-1.24%-1.15%0.11%2.45%10.24%3.22%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Merchants Bancorp Inc.47.22%91.55%65.23%320.89%320.89%320.89%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricMBINPNC
Market Information
Market Cap i$2.28B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i194,7321,904,080
90 Day Avg. Volume i207,0341,960,760
Last Close$45.56$218.27
52 Week Range$28.75 - $50.26$172.73 - $243.94
% from 52W High-9.34%-10.52%
All-Time High$53.27 (Jul 29, 2024)$243.94 (Feb 06, 2026)
% from All-Time High-14.47%-10.52%
Growth Metrics
Quarterly Revenue Growth-0.18%0.05%
Quarterly Earnings Growth-0.29%0.11%
Financial Health
Profit Margin (TTM) i0.39%0.29%
Operating Margin (TTM) i0.52%0.35%
Return on Equity (TTM) i0.10%0.11%
Debt to Equity (MRQ) i1.691.12
Cash & Liquidity
Book Value per Share (MRQ)$37.69$127.98
Cash per Share (MRQ)$19.38$27.54
Operating Cash Flow (TTM) i$-341,248,000$5.61B
Levered Free Cash Flow (TTM) i$173.55M$5.50B
Dividends
Last 12-Month Dividend Yield i1.18%3.02%
Last 12-Month Dividend i$0.51$6.70

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

MetricMBIN (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i13.0812.56
Forward P/E i8.5811.84
PEG Ratio i-0.4211.84
Price to Sales (TTM) i4.033.35
Price to Book (MRQ) i1.311.39
Market Capitalization
Market Capitalization i$2.28B$70.31B
Enterprise Value i$5.79B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i10.276.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.161.07
Book Value per Share (MRQ) i$37.69$127.98

Financial Statements Comparison: Merchants 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

MetricMBIN (2025)PNC (2024)
Revenue/Sales i677.24M20.81B
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 i263.80M7.24B
Pre-Tax Income % of Revenue i39.0%34.8%
Income Tax i45.03M1.29B
Income Tax % of Revenue i6.6%6.2%
Net Income (Profit) i218.77M5.95B
Profit Margin i32.3%28.6%

Balance Sheet & Liquidity Metrics

MetricMBIN (2025)PNC (2024)
Cash & Equivalents i212.20M46.25B
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 i3.84B61.67B
Long-Term Debt % of Revenue i567.4%296.4%
Total Shareholders Equity i2.28B54.47B
Retained Earnings i1.49B59.28B
Retained Earnings % of Revenue i219.4%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricMBIN (2025)PNC (2024)
Operating Cash Flow i-181.75M7.96B
Operating Cash Flow % of Revenue i-26.8%38.3%
Capital Expenditures i-20.94MN/A
Free Cash Flow i-376.67M7.88B
FCF Margin i-55.6%37.9%
Debt Repayment i-324.12B-23.75B
Common Stock Repurchase i0-1.19B

Short Interest & Institutional Ownership Analysis

MetricMBINPNC
Shares Short i1.66M4.98M
Short Ratio i7.042.41
Short % of Float i6.57%1.26%
Shares Outstanding i45.89M395.94M
Float Shares i28.88M392.38M
% Held by Insiders i46.06%0.38%
% Held by Institutions i94.79%85.29%
% Held by Public i-40.85%14.33%

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

MetricMBINPNC
Last 12-Month Dividend i$0.51$6.70
Last 12-Month Dividend Yield i1.18%3.02%
3-Year Avg Annual Dividend i$0.40$6.40
3-Year Avg Dividend Yield i0.26%1.00%
3-Year Total Dividends i$1.19$19.20
Ex-Dividend DateMar 13, 2026Jan 20, 2026