Republic Bancorp [RBCAA] vs PNC Financial [PNC] Detailed Stock Comparison

Republic 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: Republic Bancorp Inc. wins in 11 metrics, PNC Financial Services Group, Inc. wins in 8 metrics, with 0 ties. Republic Bancorp Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Republic Bancorp Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 11.33 12.56 Republic Bancorp Inc.
Price-to-Book Ratio 1.30 1.39 Republic Bancorp Inc.
Debt-to-Equity Ratio 0.43 1.12 Republic Bancorp Inc.
PEG Ratio -1.10 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 33.99% 28.75% Republic Bancorp Inc.
Operating Margin (TTM) 53.65% 35.28% Republic Bancorp Inc.
EBITDA Margin (TTM) 53.65% 35.28% Republic Bancorp Inc.
Return on Equity 11.68% 11.33% Republic Bancorp Inc.
Return on Assets (TTM) 1.77% 1.09% Republic Bancorp Inc.
Free Cash Flow (TTM) $161.11M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 3.20% 3.02% Republic Bancorp Inc.
1-Year Return 18.11% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 3.86 3.35 PNC Financial Services Group, Inc.
Enterprise Value $1.32B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 3.54 6.11 Republic Bancorp Inc.
Revenue per Share (TTM) $19 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $6.48 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.57 1.07 Republic Bancorp Inc.
Short % of Float 2.25% 1.26% PNC Financial Services Group, Inc.

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

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RBCAA
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Republic Bancorp Inc.-1.70%2.07%8.38%17.71%20.45%20.81%
PNC Financial Services Group, Inc.-1.24%0.10%1.37%3.17%15.08%4.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Republic Bancorp Inc.18.11%81.67%73.82%200.93%311.54%311.12%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricRBCAAPNC
Market Information
Market Cap i$1.44B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i70,6001,904,080
90 Day Avg. Volume i86,9431,960,760
Last Close$80.96$218.27
52 Week Range$63.97 - $82.37$172.73 - $243.94
% from 52W High-1.71%-10.52%
All-Time High$82.37 (Jun 02, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-1.71%-10.52%
Growth Metrics
Quarterly Revenue Growth-0.11%0.05%
Quarterly Earnings Growth-0.10%0.11%
Financial Health
Profit Margin (TTM) i0.34%0.29%
Operating Margin (TTM) i0.54%0.35%
Return on Equity (TTM) i0.12%0.11%
Debt to Equity (MRQ) i0.431.12
Cash & Liquidity
Book Value per Share (MRQ)$56.41$127.98
Cash per Share (MRQ)$30.54$27.54
Operating Cash Flow (TTM) i$153.43M$5.61B
Levered Free Cash Flow (TTM) i$131.32M$5.50B
Dividends
Last 12-Month Dividend Yield i3.20%3.02%
Last 12-Month Dividend i$2.29$6.70

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

MetricRBCAA (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i11.3312.56
Forward P/E i11.7211.84
PEG Ratio i-1.1011.84
Price to Sales (TTM) i3.863.35
Price to Book (MRQ) i1.301.39
Market Capitalization
Market Capitalization i$1.44B$70.31B
Enterprise Value i$1.32B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i3.546.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.571.07
Book Value per Share (MRQ) i$56.41$127.98

Financial Statements Comparison: Republic 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

MetricRBCAA (2025)PNC (2024)
Revenue/Sales i411.12M20.81B
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 i165.71M7.24B
Pre-Tax Income % of Revenue i40.3%34.8%
Income Tax i34.39M1.29B
Income Tax % of Revenue i8.4%6.2%
Net Income (Profit) i131.32M5.95B
Profit Margin i31.9%28.6%

Balance Sheet & Liquidity Metrics

MetricRBCAA (2025)PNC (2024)
Cash & Equivalents i219.97M46.25B
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 i538.37M61.67B
Long-Term Debt % of Revenue i131.0%296.4%
Total Shareholders Equity i1.10B54.47B
Retained Earnings i945.40M59.28B
Retained Earnings % of Revenue i230.0%284.9%
Property, Plant & Equipment i31.33MN/A

Cash Flow Statement Comparison

MetricRBCAA (2025)PNC (2024)
Operating Cash Flow i153.43M7.96B
Operating Cash Flow % of Revenue i37.3%38.3%
Capital Expenditures i-7.10MN/A
Free Cash Flow i161.11M7.88B
FCF Margin i39.2%37.9%
Debt Repayment i-528.00M-23.75B
Common Stock Repurchase i-72,000-1.19B

Short Interest & Institutional Ownership Analysis

MetricRBCAAPNC
Shares Short i189,8164.98M
Short Ratio i2.022.41
Short % of Float i2.25%1.26%
Shares Outstanding i17.47M395.94M
Float Shares i8.91M392.38M
% Held by Insiders i51.57%0.38%
% Held by Institutions i29.30%85.29%
% Held by Public i19.13%14.33%

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

MetricRBCAAPNC
Last 12-Month Dividend i$2.29$6.70
Last 12-Month Dividend Yield i3.20%3.02%
3-Year Avg Annual Dividend i$1.80$6.40
3-Year Avg Dividend Yield i0.72%1.00%
3-Year Total Dividends i$5.41$19.20
Ex-Dividend DateMar 20, 2026Jan 20, 2026