WaFd [WAFD] vs PNC Financial [PNC] Detailed Stock Comparison

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

View Metrics Details

Vital Metrics Comparison

Metric WaFd, Inc. PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 11.54 12.56 WaFd, Inc.
Price-to-Book Ratio 0.98 1.39 WaFd, Inc.
Debt-to-Equity Ratio 1.03 1.12 WaFd, Inc.
PEG Ratio 0.44 11.84 WaFd, Inc.
Profit Margin (TTM) 33.60% 28.75% WaFd, Inc.
Operating Margin (TTM) 45.80% 35.28% WaFd, Inc.
EBITDA Margin (TTM) 45.80% 35.28% WaFd, Inc.
Return on Equity 8.39% 11.33% PNC Financial Services Group, Inc.
Return on Assets (TTM) 0.91% 1.09% PNC Financial Services Group, Inc.
Free Cash Flow (TTM) $208.25M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 4.02% 3.02% WaFd, Inc.
1-Year Return 25.12% 27.22% PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM) 3.53 3.35 PNC Financial Services Group, Inc.
Enterprise Value $5.33B $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 7.10 6.11 PNC Financial Services Group, Inc.
Revenue per Share (TTM) $10 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $3.03 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.82 1.07 WaFd, Inc.
Short % of Float 5.47% 1.26% PNC Financial Services Group, Inc.

WaFd, Inc. vs PNC Financial Services Group, Inc. Stock Performance Analysis

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WAFD
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
WaFd, Inc.-2.23%-1.70%0.34%11.55%11.20%10.02%
PNC Financial Services Group, Inc.-1.24%0.10%1.37%3.17%15.08%4.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
WaFd, Inc.25.12%25.74%5.86%44.61%133.33%51.97%
PNC Financial Services Group, Inc.27.22%78.93%13.98%149.66%272.63%219.68%

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

MetricWAFDPNC
Market Information
Market Cap i$2.65B$70.31B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i811,1721,904,080
90 Day Avg. Volume i797,7671,960,760
Last Close$34.56$218.27
52 Week Range$26.31 - $38.59$172.73 - $243.94
% from 52W High-10.44%-10.52%
All-Time High$39.17 (Nov 07, 2022)$243.94 (Feb 06, 2026)
% from All-Time High-11.77%-10.52%
Growth Metrics
Quarterly Revenue Growth0.09%0.05%
Quarterly Earnings Growth0.17%0.11%
Financial Health
Profit Margin (TTM) i0.34%0.29%
Operating Margin (TTM) i0.46%0.35%
Return on Equity (TTM) i0.08%0.11%
Debt to Equity (MRQ) i1.031.12
Cash & Liquidity
Book Value per Share (MRQ)$35.70$127.98
Cash per Share (MRQ)$9.07$27.54
Operating Cash Flow (TTM) i$219.26M$5.61B
Levered Free Cash Flow (TTM) i$211.44M$5.50B
Dividends
Last 12-Month Dividend Yield i4.02%3.02%
Last 12-Month Dividend i$1.35$6.70

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

MetricWAFD (Apr 22, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i11.5412.56
Forward P/E i10.1911.84
PEG Ratio i0.4411.84
Price to Sales (TTM) i3.533.35
Price to Book (MRQ) i0.981.39
Market Capitalization
Market Capitalization i$2.65B$70.31B
Enterprise Value i$5.33B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i7.106.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.821.07
Book Value per Share (MRQ) i$35.70$127.98

Financial Statements Comparison: WaFd, 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

MetricWAFD (2025)PNC (2024)
Revenue/Sales i724.86M20.81B
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 i289.64M7.24B
Pre-Tax Income % of Revenue i40.0%34.8%
Income Tax i63.57M1.29B
Income Tax % of Revenue i8.8%6.2%
Net Income (Profit) i226.07M5.95B
Profit Margin i31.2%28.6%

Balance Sheet & Liquidity Metrics

MetricWAFD (2025)PNC (2024)
Cash & Equivalents i657.31M46.25B
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 i70.21M61.67B
Long-Term Debt % of Revenue i9.7%296.4%
Total Shareholders Equity i3.04B54.47B
Retained Earnings i2.11B59.28B
Retained Earnings % of Revenue i290.5%284.9%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricWAFD (2025)PNC (2024)
Operating Cash Flow i219.26M7.96B
Operating Cash Flow % of Revenue i30.2%38.3%
Capital Expenditures i-27.02MN/A
Free Cash Flow i208.25M7.88B
FCF Margin i28.7%37.9%
Debt Repayment i-12.53B-23.75B
Common Stock Repurchase i-101.93M-1.19B

Short Interest & Institutional Ownership Analysis

MetricWAFDPNC
Shares Short i2.99M4.98M
Short Ratio i4.162.41
Short % of Float i5.47%1.26%
Shares Outstanding i73.86M395.94M
Float Shares i72.95M392.38M
% Held by Insiders i1.72%0.38%
% Held by Institutions i85.55%85.29%
% Held by Public i12.73%14.33%

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

MetricWAFDPNC
Last 12-Month Dividend i$1.35$6.70
Last 12-Month Dividend Yield i4.02%3.02%
3-Year Avg Annual Dividend i$1.13$6.40
3-Year Avg Dividend Yield i0.86%1.00%
3-Year Total Dividends i$3.39$19.20
Ex-Dividend DateFeb 13, 2026Jan 20, 2026