TFS Financial [TFSL] vs PNC Financial [PNC] Detailed Stock Comparison

TFS Financial Corporation

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: TFS Financial Corporation wins in 4 metrics, PNC Financial Services Group, Inc. wins in 15 metrics, with 0 ties. PNC Financial Services Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric TFS Financial Corporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 46.13 12.56 PNC Financial Services Group, Inc.
Price-to-Book Ratio 2.17 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 2.62 1.12 PNC Financial Services Group, Inc.
PEG Ratio 41.58 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 27.74% 28.75% PNC Financial Services Group, Inc.
Operating Margin (TTM) 37.47% 35.28% TFS Financial Corporation
EBITDA Margin (TTM) 37.47% 35.28% TFS Financial Corporation
Return on Equity 4.76% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.53% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $70.97M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 9.99% 3.02% TFS Financial Corporation
1-Year Return 33.23% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 12.65 3.35 PNC Financial Services Group, Inc.
Enterprise Value $8.64B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 26.40 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $1 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $0.32 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.70 1.07 TFS Financial Corporation
Short % of Float 15.35% 1.26% PNC Financial Services Group, Inc.

TFS Financial Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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TFSL
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
TFS Financial Corporation-2.42%0.12%7.84%22.39%18.35%21.67%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
TFS Financial Corporation33.23%32.81%-14.97%-2.08%74.61%43.51%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: TFS Financial Corporation vs PNC Financial Services Group, Inc.

MetricTFSLPNC
Market Information
Market Cap i$4.13B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i666,6221,904,080
90 Day Avg. Volume i718,5741,960,760
Last Close$16.51$230.56
52 Week Range$12.54 - $17.00$172.88 - $243.94
% from 52W High-2.88%-5.48%
All-Time High$22.54 (May 31, 2021)$243.94 (Feb 06, 2026)
% from All-Time High-26.75%-5.48%
Growth Metrics
Quarterly Revenue Growth0.11%0.05%
Quarterly Earnings Growth-0.01%0.11%
Financial Health
Profit Margin (TTM) i0.28%0.29%
Operating Margin (TTM) i0.37%0.35%
Return on Equity (TTM) i0.05%0.11%
Debt to Equity (MRQ) i2.621.12
Cash & Liquidity
Book Value per Share (MRQ)$6.82$127.98
Cash per Share (MRQ)$1.64$27.54
Operating Cash Flow (TTM) i$95.62M$5.61B
Levered Free Cash Flow (TTM) i$89.50M$5.50B
Dividends
Last 12-Month Dividend Yield i9.99%3.02%
Last 12-Month Dividend i$1.40$6.70

Valuation & Enterprise Metrics Analysis: TFS Financial Corporation vs PNC Financial Services Group, Inc.

MetricTFSL (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i46.1312.56
Forward P/E i41.5811.84
PEG Ratio i41.5811.84
Price to Sales (TTM) i12.653.35
Price to Book (MRQ) i2.171.39
Market Capitalization
Market Capitalization i$4.13B$70.31B
Enterprise Value i$8.64B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i26.406.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.701.07
Book Value per Share (MRQ) i$6.82$127.98

Financial Statements Comparison: TFS Financial Corporation 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

MetricTFSL (2025)PNC (2024)
Revenue/Sales i321.47M20.81B
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 i114.72M7.24B
Pre-Tax Income % of Revenue i35.7%34.8%
Income Tax i23.76M1.29B
Income Tax % of Revenue i7.4%6.2%
Net Income (Profit) i90.96M5.95B
Profit Margin i28.3%28.6%

Balance Sheet & Liquidity Metrics

MetricTFSL (2025)PNC (2024)
Cash & Equivalents i429.44M46.25B
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 i4.90B61.67B
Long-Term Debt % of Revenue i1,524.4%296.4%
Total Shareholders Equity i1.89B54.47B
Retained Earnings i946.78M59.28B
Retained Earnings % of Revenue i294.5%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricTFSL (2025)PNC (2024)
Operating Cash Flow i98.49M7.96B
Operating Cash Flow % of Revenue i30.6%38.3%
Capital Expenditures i-11.45MN/A
Free Cash Flow i70.97M7.88B
FCF Margin i22.1%37.9%
Debt Repayment i-427.00M-23.75B
Common Stock Repurchase i-3.98M-1.19B

Short Interest & Institutional Ownership Analysis

MetricTFSLPNC
Shares Short i7.98M4.98M
Short Ratio i9.852.41
Short % of Float i15.35%1.26%
Shares Outstanding i280.62M395.94M
Float Shares i50.35M392.38M
% Held by Insiders i0.46%0.38%
% Held by Institutions i93.87%85.29%
% Held by Public i5.67%14.33%

Dividend Analysis & Yield Comparison: TFS Financial Corporation vs PNC Financial Services Group, Inc.

MetricTFSLPNC
Last 12-Month Dividend i$1.40$6.70
Last 12-Month Dividend Yield i9.99%3.02%
3-Year Avg Annual Dividend i$1.21$6.40
3-Year Avg Dividend Yield i2.17%1.00%
3-Year Total Dividends i$3.64$19.20
Ex-Dividend DateMar 11, 2026Jan 20, 2026