Westamerica [WABC] vs PNC Financial [PNC] Detailed Stock Comparison

Westamerica Bancorporation

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

View Metrics Details

Vital Metrics Comparison

Metric Westamerica Bancorporation PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 12.01 12.56 Westamerica Bancorporation
Price-to-Book Ratio 1.42 1.39 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 0.15 1.12 Westamerica Bancorporation
PEG Ratio -4.64 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 44.30% 28.75% Westamerica Bancorporation
Operating Margin (TTM) 60.24% 35.28% Westamerica Bancorporation
EBITDA Margin (TTM) 60.24% 35.28% Westamerica Bancorporation
Return on Equity 12.46% 11.33% Westamerica Bancorporation
Return on Assets (TTM) 1.90% 1.09% Westamerica Bancorporation
Free Cash Flow (TTM) $119.65M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.55% 3.02% Westamerica Bancorporation
1-Year Return 23.78% 37.08% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 5.14 3.35 PNC Financial Services Group, Inc.
Enterprise Value $1.02B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 4.02 6.11 Westamerica Bancorporation
Revenue per Share (TTM) $10 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $4.49 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.56 1.07 Westamerica Bancorporation
Short % of Float 3.19% 1.26% PNC Financial Services Group, Inc.

Westamerica Bancorporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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WABC
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Westamerica Bancorporation-0.88%2.02%7.18%13.42%16.96%20.51%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Westamerica Bancorporation23.78%39.35%0.83%22.32%20.07%18.46%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: Westamerica Bancorporation vs PNC Financial Services Group, Inc.

MetricWABCPNC
Market Information
Market Cap i$1.32B$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i219,9871,904,080
90 Day Avg. Volume i226,0621,960,760
Last Close$57.64$230.56
52 Week Range$44.93 - $59.00$172.88 - $243.94
% from 52W High-2.31%-5.48%
All-Time High$69.08 (Jan 13, 2020)$243.94 (Feb 06, 2026)
% from All-Time High-16.56%-5.48%
Growth Metrics
Quarterly Revenue Growth-0.07%0.05%
Quarterly Earnings Growth-0.12%0.11%
Financial Health
Profit Margin (TTM) i0.44%0.29%
Operating Margin (TTM) i0.60%0.35%
Return on Equity (TTM) i0.12%0.11%
Debt to Equity (MRQ) i0.151.12
Cash & Liquidity
Book Value per Share (MRQ)$37.91$127.98
Cash per Share (MRQ)$16.81$27.54
Operating Cash Flow (TTM) i$118.56M$5.61B
Levered Free Cash Flow (TTM) i$116.17M$5.50B
Dividends
Last 12-Month Dividend Yield i4.55%3.02%
Last 12-Month Dividend i$2.28$6.70

Valuation & Enterprise Metrics Analysis: Westamerica Bancorporation vs PNC Financial Services Group, Inc.

MetricWABC (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i12.0112.56
Forward P/E i12.5511.84
PEG Ratio i-4.6411.84
Price to Sales (TTM) i5.143.35
Price to Book (MRQ) i1.421.39
Market Capitalization
Market Capitalization i$1.32B$70.31B
Enterprise Value i$1.02B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.026.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.561.07
Book Value per Share (MRQ) i$37.91$127.98

Financial Statements Comparison: Westamerica Bancorporation 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

MetricWABC (2025)PNC (2024)
Revenue/Sales i258.06M20.81B
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 i156.69M7.24B
Pre-Tax Income % of Revenue i60.7%34.8%
Income Tax i40.51M1.29B
Income Tax % of Revenue i15.7%6.2%
Net Income (Profit) i116.17M5.95B
Profit Margin i45.0%28.6%

Balance Sheet & Liquidity Metrics

MetricWABC (2025)PNC (2024)
Cash & Equivalents i567.80M46.25B
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 i22.21M61.67B
Long-Term Debt % of Revenue i8.6%296.4%
Total Shareholders Equity i933.51M54.47B
Retained Earnings i584.63M59.28B
Retained Earnings % of Revenue i226.6%284.9%
Property, Plant & Equipment i22.21MN/A

Cash Flow Statement Comparison

MetricWABC (2025)PNC (2024)
Operating Cash Flow i118.56M7.96B
Operating Cash Flow % of Revenue i45.9%38.3%
Capital Expenditures i-2.25MN/A
Free Cash Flow i119.65M7.88B
FCF Margin i46.4%37.9%
Debt Repayment iN/A-23.75B
Common Stock Repurchase i-103.79M-1.19B

Short Interest & Institutional Ownership Analysis

MetricWABCPNC
Shares Short i520,0524.98M
Short Ratio i2.292.41
Short % of Float i3.19%1.26%
Shares Outstanding i23.63M395.94M
Float Shares i22.39M392.38M
% Held by Insiders i3.61%0.38%
% Held by Institutions i85.87%85.29%
% Held by Public i10.52%14.33%

Dividend Analysis & Yield Comparison: Westamerica Bancorporation vs PNC Financial Services Group, Inc.

MetricWABCPNC
Last 12-Month Dividend i$2.28$6.70
Last 12-Month Dividend Yield i4.55%3.02%
3-Year Avg Annual Dividend i$1.92$6.40
3-Year Avg Dividend Yield i0.91%1.00%
3-Year Total Dividends i$5.76$19.20
Ex-Dividend DateFeb 02, 2026Jan 20, 2026