Texas Capital [TCBI] vs PNC Financial [PNC] Detailed Stock Comparison

Texas Capital Bancshares 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: Texas Capital Bancshares Inc. wins in 5 metrics, PNC Financial Services Group, Inc. wins in 12 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Texas Capital Bancshares Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 13.94 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 1.38 1.39 Texas Capital Bancshares Inc.
Debt-to-Equity Ratio 0.24 1.12 Texas Capital Bancshares Inc.
PEG Ratio 0.29 11.84 Texas Capital Bancshares Inc.
Profit Margin (TTM) 28.67% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 32.24% 35.28% PNC Financial Services Group, Inc.
EBITDA Margin (TTM) 32.24% 35.28% PNC Financial Services Group, Inc.
Return on Equity 10.15% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 1.10% 1.09% Texas Capital Bancshares Inc.
Free Cash Flow (TTM) $347.59M $7.88B PNC Financial Services Group, Inc.
Dividend Yield N/A 3.02% N/A
1-Year Return 34.70% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 3.63 3.35 PNC Financial Services Group, Inc.
Enterprise Value $2.74B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 2.20 6.11 Texas Capital Bancshares Inc.
Revenue per Share (TTM) $28 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $7.43 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) N/A 1.07 N/A
Short % of Float 9.72% 1.26% PNC Financial Services Group, Inc.

Texas Capital Bancshares Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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TCBI
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Texas Capital Bancshares Inc.-0.77%0.13%4.95%9.45%4.82%9.85%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Texas Capital Bancshares Inc.34.70%89.92%62.81%115.11%297.30%347.97%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Texas Capital Bancshares Inc. vs PNC Financial Services Group, Inc.

MetricTCBIPNC
Market Information
Market Cap i$4.58B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i405,9131,904,080
90 Day Avg. Volume i449,8781,960,760
Last Close$100.73$230.56
52 Week Range$73.61 - $108.92$172.88 - $243.94
% from 52W High-7.52%-5.48%
All-Time High$108.92 (Feb 04, 2026)$243.94 (Feb 06, 2026)
% from All-Time High-7.52%-5.48%
Growth Metrics
Quarterly Revenue Growth0.17%0.05%
Quarterly Earnings Growth0.57%0.11%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.32%0.35%
Return on Equity (TTM) i0.10%0.11%
Debt to Equity (MRQ) i0.241.12
Cash & Liquidity
Book Value per Share (MRQ)$75.28$127.98
Cash per Share (MRQ)$67.88$27.54
Operating Cash Flow (TTM) i$308.36M$5.61B
Levered Free Cash Flow (TTM) i$312.99M$5.50B
Dividends
Last 12-Month Dividend Yield iN/A3.02%
Last 12-Month Dividend iN/A$6.70

Valuation & Enterprise Metrics Analysis: Texas Capital Bancshares Inc. vs PNC Financial Services Group, Inc.

MetricTCBI (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i13.9412.56
Forward P/E i12.2011.84
PEG Ratio i0.2911.84
Price to Sales (TTM) i3.633.35
Price to Book (MRQ) i1.381.39
Market Capitalization
Market Capitalization i$4.58B$70.31B
Enterprise Value i$2.74B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i2.206.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/A1.07
Book Value per Share (MRQ) i$75.28$127.98

Financial Statements Comparison: Texas Capital Bancshares 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

MetricTCBI (2025)PNC (2024)
Revenue/Sales i1.26B20.81B
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 i432.71M7.24B
Pre-Tax Income % of Revenue i34.5%34.8%
Income Tax i102.47M1.29B
Income Tax % of Revenue i8.2%6.2%
Net Income (Profit) i330.24M5.95B
Profit Margin i26.3%28.6%

Balance Sheet & Liquidity Metrics

MetricTCBI (2025)PNC (2024)
Cash & Equivalents i2.10B46.25B
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 i620.58M61.67B
Long-Term Debt % of Revenue i49.4%296.4%
Total Shareholders Equity i3.63B54.47B
Retained Earnings i2.81B59.28B
Retained Earnings % of Revenue i223.7%284.9%
Property, Plant & Equipment i81.48MN/A

Cash Flow Statement Comparison

MetricTCBI (2025)PNC (2024)
Operating Cash Flow i308.36M7.96B
Operating Cash Flow % of Revenue i24.6%38.3%
Capital Expenditures i-12.57MN/A
Free Cash Flow i347.59M7.88B
FCF Margin i27.7%37.9%
Debt Repayment i-40.44M-23.75B
Common Stock Repurchase i-185.85M-1.19B

Short Interest & Institutional Ownership Analysis

MetricTCBIPNC
Shares Short i3.16M4.98M
Short Ratio i6.662.41
Short % of Float i9.72%1.26%
Shares Outstanding i44.25M395.94M
Float Shares i42.81M392.38M
% Held by Insiders i1.96%0.38%
% Held by Institutions i103.50%85.29%
% Held by Public i-5.46%14.33%

Dividend Analysis & Yield Comparison: Texas Capital Bancshares Inc. vs PNC Financial Services Group, Inc.

MetricTCBIPNC
Last 12-Month Dividend iN/A$6.70
Last 12-Month Dividend Yield iN/A3.02%
3-Year Avg Annual Dividend iN/A$6.40
3-Year Avg Dividend Yield iN/A1.00%
3-Year Total Dividends iN/A$19.20
Ex-Dividend DateN/AJan 20, 2026