S&T Bancorp [STBA] vs PNC Financial [PNC] Detailed Stock Comparison

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

View Metrics Details

Vital Metrics Comparison

Metric S&T Bancorp, Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 12.45 12.56 S&T Bancorp, Inc.
Price-to-Book Ratio 1.11 1.39 S&T Bancorp, Inc.
Debt-to-Equity Ratio 0.24 1.12 S&T Bancorp, Inc.
PEG Ratio 2.45 11.84 S&T Bancorp, Inc.
Profit Margin (TTM) 34.01% 28.75% S&T Bancorp, Inc.
Operating Margin (TTM) 43.66% 35.28% S&T Bancorp, Inc.
EBITDA Margin (TTM) 43.66% 35.28% S&T Bancorp, Inc.
Return on Equity 9.44% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.38% 1.09% S&T Bancorp, Inc.
Free Cash Flow (TTM) $128.85M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.08% 3.02% S&T Bancorp, Inc.
1-Year Return 31.24% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 4.03 3.35 PNC Financial Services Group, Inc.
Enterprise Value $1.77B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.49 6.11 S&T Bancorp, Inc.
Revenue per Share (TTM) $10 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.49 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.85 1.07 S&T Bancorp, Inc.
Short % of Float 4.16% 1.26% PNC Financial Services Group, Inc.

S&T Bancorp, Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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STBA
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
S&T Bancorp, Inc.-1.23%2.85%9.15%17.65%10.52%20.44%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
S&T Bancorp, Inc.31.24%62.81%55.06%88.46%167.47%43.95%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

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

MetricSTBAPNC
Market Information
Market Cap i$1.59B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i194,1381,904,080
90 Day Avg. Volume i252,6361,960,760
Last Close$47.26$230.56
52 Week Range$34.01 - $48.70$172.88 - $243.94
% from 52W High-2.96%-5.48%
All-Time High$48.70 (Jun 15, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-2.96%-5.48%
Growth Metrics
Quarterly Revenue Growth0.03%0.05%
Quarterly Earnings Growth0.03%0.11%
Financial Health
Profit Margin (TTM) i0.34%0.29%
Operating Margin (TTM) i0.44%0.35%
Return on Equity (TTM) i0.09%0.11%
Debt to Equity (MRQ) i0.241.12
Cash & Liquidity
Book Value per Share (MRQ)$39.14$127.98
Cash per Share (MRQ)$5.40$27.54
Operating Cash Flow (TTM) i$133.62M$5.61B
Levered Free Cash Flow (TTM) i$134.23M$5.50B
Dividends
Last 12-Month Dividend Yield i4.08%3.02%
Last 12-Month Dividend i$1.74$6.70

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

MetricSTBA (Apr 22, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i12.4512.56
Forward P/E i11.4211.84
PEG Ratio i2.4511.84
Price to Sales (TTM) i4.033.35
Price to Book (MRQ) i1.111.39
Market Capitalization
Market Capitalization i$1.59B$70.31B
Enterprise Value i$1.77B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.496.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.851.07
Book Value per Share (MRQ) i$39.14$127.98

Financial Statements Comparison: S&T 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

MetricSTBA (2025)PNC (2024)
Revenue/Sales i402.12M20.81B
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 i167.94M7.24B
Pre-Tax Income % of Revenue i41.8%34.8%
Income Tax i33.71M1.29B
Income Tax % of Revenue i8.4%6.2%
Net Income (Profit) i134.23M5.95B
Profit Margin i33.4%28.6%

Balance Sheet & Liquidity Metrics

MetricSTBA (2025)PNC (2024)
Cash & Equivalents i163.44M46.25B
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 i100.29M61.67B
Long-Term Debt % of Revenue i24.9%296.4%
Total Shareholders Equity i1.46B54.47B
Retained Earnings i1.12B59.28B
Retained Earnings % of Revenue i278.6%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSTBA (2025)PNC (2024)
Operating Cash Flow i127.38M7.96B
Operating Cash Flow % of Revenue i31.7%38.3%
Capital Expenditures i-4.77MN/A
Free Cash Flow i128.85M7.88B
FCF Margin i32.0%37.9%
Debt Repayment i-81,000-23.75B
Common Stock Repurchase i-37.95M-1.19B

Short Interest & Institutional Ownership Analysis

MetricSTBAPNC
Shares Short i1.27M4.98M
Short Ratio i4.392.41
Short % of Float i4.16%1.26%
Shares Outstanding i37.40M395.94M
Float Shares i36.07M392.38M
% Held by Insiders i1.54%0.38%
% Held by Institutions i74.78%85.29%
% Held by Public i23.68%14.33%

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

MetricSTBAPNC
Last 12-Month Dividend i$1.74$6.70
Last 12-Month Dividend Yield i4.08%3.02%
3-Year Avg Annual Dividend i$1.45$6.40
3-Year Avg Dividend Yield i0.96%1.00%
3-Year Total Dividends i$4.36$19.20
Ex-Dividend DateFeb 12, 2026Jan 20, 2026