MetroCity Bankshares [MCBS] vs PNC Financial [PNC] Detailed Stock Comparison

MetroCity 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: MetroCity Bankshares Inc. wins in 10 metrics, PNC Financial Services Group, Inc. wins in 9 metrics, with 0 ties. MetroCity Bankshares Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric MetroCity Bankshares Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 11.93 12.56 MetroCity Bankshares Inc.
Price-to-Book Ratio 1.67 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.97 1.12 MetroCity Bankshares Inc.
PEG Ratio 1.53 11.84 MetroCity Bankshares Inc.
Profit Margin (TTM) 43.95% 28.75% MetroCity Bankshares Inc.
Operating Margin (TTM) 61.52% 35.28% MetroCity Bankshares Inc.
EBITDA Margin (TTM) 61.52% 35.28% MetroCity Bankshares Inc.
Return on Equity 14.20% 11.33% MetroCity Bankshares Inc.
Return on Assets (TTM) 1.64% 1.09% MetroCity Bankshares Inc.
Free Cash Flow (TTM) $37.03M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.43% 3.02% MetroCity Bankshares Inc.
1-Year Return 26.34% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 5.81 3.35 PNC Financial Services Group, Inc.
Enterprise Value $1.04B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 6.68 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $6 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $2.64 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.69 1.07 MetroCity Bankshares Inc.
Short % of Float 1.73% 1.26% PNC Financial Services Group, Inc.

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

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MCBS
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
MetroCity Bankshares Inc.-1.40%0.18%8.33%18.29%17.51%28.74%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
MetroCity Bankshares Inc.26.34%84.41%90.87%243.00%243.00%243.00%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

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

MetricMCBSPNC
Market Information
Market Cap i$908.09M$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i96,8291,904,080
90 Day Avg. Volume i128,1401,960,760
Last Close$33.82$230.56
52 Week Range$24.53 - $35.30$172.88 - $243.94
% from 52W High-4.19%-5.48%
All-Time High$36.15 (Nov 25, 2024)$243.94 (Feb 06, 2026)
% from All-Time High-6.45%-5.48%
Growth Metrics
Quarterly Revenue Growth0.24%0.05%
Quarterly Earnings Growth0.12%0.11%
Financial Health
Profit Margin (TTM) i0.44%0.29%
Operating Margin (TTM) i0.62%0.35%
Return on Equity (TTM) i0.14%0.11%
Debt to Equity (MRQ) i0.971.12
Cash & Liquidity
Book Value per Share (MRQ)$18.88$127.98
Cash per Share (MRQ)$13.56$27.54
Operating Cash Flow (TTM) i$37.70M$5.61B
Levered Free Cash Flow (TTM) i$68.53M$5.50B
Dividends
Last 12-Month Dividend Yield i4.43%3.02%
Last 12-Month Dividend i$1.21$6.70

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

MetricMCBS (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i11.9312.56
Forward P/E i9.6911.84
PEG Ratio i1.5311.84
Price to Sales (TTM) i5.813.35
Price to Book (MRQ) i1.671.39
Market Capitalization
Market Capitalization i$908.09M$70.31B
Enterprise Value i$1.04B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i6.686.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.691.07
Book Value per Share (MRQ) i$18.88$127.98

Financial Statements Comparison: MetroCity 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

MetricMCBS (2025)PNC (2024)
Revenue/Sales i153.42M20.81B
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 i92.69M7.24B
Pre-Tax Income % of Revenue i60.4%34.8%
Income Tax i24.16M1.29B
Income Tax % of Revenue i15.7%6.2%
Net Income (Profit) i68.53M5.95B
Profit Margin i44.7%28.6%

Balance Sheet & Liquidity Metrics

MetricMCBS (2025)PNC (2024)
Cash & Equivalents i370.83M46.25B
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 i386.61M61.67B
Long-Term Debt % of Revenue i252.0%296.4%
Total Shareholders Equity i544.18M54.47B
Retained Earnings i402.68M59.28B
Retained Earnings % of Revenue i262.5%284.9%
Property, Plant & Equipment i15.19MN/A

Cash Flow Statement Comparison

MetricMCBS (2025)PNC (2024)
Operating Cash Flow i44.64M7.96B
Operating Cash Flow % of Revenue i29.1%38.3%
Capital Expenditures i-674,000N/A
Free Cash Flow i37.03M7.88B
FCF Margin i24.1%37.9%
Debt Repayment i-50.00M-23.75B
Common Stock Repurchase i-2.73M-1.19B

Short Interest & Institutional Ownership Analysis

MetricMCBSPNC
Shares Short i392,8814.98M
Short Ratio i2.922.41
Short % of Float i1.73%1.26%
Shares Outstanding i28.82M395.94M
Float Shares i22.10M392.38M
% Held by Insiders i22.00%0.38%
% Held by Institutions i22.73%85.29%
% Held by Public i55.27%14.33%

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

MetricMCBSPNC
Last 12-Month Dividend i$1.21$6.70
Last 12-Month Dividend Yield i4.43%3.02%
3-Year Avg Annual Dividend i$0.92$6.40
3-Year Avg Dividend Yield i0.87%1.00%
3-Year Total Dividends i$2.76$19.20
Ex-Dividend DateFeb 04, 2026Jan 20, 2026