Zions [ZION] vs PNC Financial [PNC] Detailed Stock Comparison

Zions Bancorporation, National Association

NASDAQ

PNC Financial Services Group, Inc.

NYSE

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Zions Bancorporation, National Association wins in 12 metrics, PNC Financial Services Group, Inc. wins in 6 metrics, with 1 ties. Zions Bancorporation, National Association appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	Zions Bancorporation, National Association	PNC Financial Services Group, Inc.	Better
P/E Ratio (TTM)	9.66	12.56	Zions Bancorporation, National Association
Price-to-Book Ratio	1.29	1.39	Zions Bancorporation, National Association
Debt-to-Equity Ratio	0.33	1.12	Zions Bancorporation, National Association
PEG Ratio	0.25	11.84	Zions Bancorporation, National Association
Profit Margin (TTM)	28.36%	28.75%	PNC Financial Services Group, Inc.
Operating Margin (TTM)	36.10%	35.28%	Zions Bancorporation, National Association
EBITDA Margin (TTM)	36.10%	35.28%	Zions Bancorporation, National Association
Return on Equity	14.12%	11.33%	Zions Bancorporation, National Association
Return on Assets (TTM)	1.09%	1.09%	Tie
Free Cash Flow (TTM)	$952.00M	$7.88B	PNC Financial Services Group, Inc.
Dividend Yield	3.46%	3.02%	Zions Bancorporation, National Association
1-Year Return	31.86%	27.22%	Zions Bancorporation, National Association
Price-to-Sales Ratio (TTM)	2.70	3.35	Zions Bancorporation, National Association
Enterprise Value	$8.02B	$128.31B	PNC Financial Services Group, Inc.
EV/Revenue Ratio	2.36	6.11	Zions Bancorporation, National Association
Revenue per Share (TTM)	$23	$53	PNC Financial Services Group, Inc.
Earnings per Share (Diluted)	$6.44	$14.15	PNC Financial Services Group, Inc.
Beta (Stock Volatility)	0.80	1.07	Zions Bancorporation, National Association
Short % of Float	3.98%	1.26%	PNC Financial Services Group, Inc.

Zions Bancorporation, National Association vs PNC Financial Services Group, Inc. Stock Performance Analysis

Loading Price Chart...

Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
Zions Bancorporation, National Association	3.77%	1.30%	1.51%	8.30%	13.13%	6.41%
PNC Financial Services Group, Inc.	4.04%	3.32%	4.15%	6.18%	14.53%	7.39%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
Zions Bancorporation, National Association	31.86%	114.83%	7.43%	120.36%	172.83%	-24.69%
PNC Financial Services Group, Inc.	27.22%	78.93%	13.98%	149.66%	272.63%	219.68%

Performance & Financial Health Analysis: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Metric	ZION	PNC
Market Information
Market Cap i	$9.21B	$70.31B
Market Cap Category	Mid cap	Large cap
10 Day Avg. Volume i	1,453,298	1,904,080
90 Day Avg. Volume i	1,623,916	1,960,760
Last Close	$63.05	$227.08
52 Week Range	$46.19 - $66.18	$172.73 - $243.94
% from 52W High	-4.73%	-6.91%
All-Time High	$88.56 (Feb 19, 2007)	$243.94 (Feb 06, 2026)
% from All-Time High	-28.81%	-6.91%
Growth Metrics
Quarterly Revenue Growth	0.10%	0.05%
Quarterly Earnings Growth	0.37%	0.11%
Financial Health
Profit Margin (TTM) i	0.28%	0.29%
Operating Margin (TTM) i	0.36%	0.35%
Return on Equity (TTM) i	0.14%	0.11%
Debt to Equity (MRQ) i	0.33	1.12
Cash & Liquidity
Book Value per Share (MRQ)	$48.18	$127.98
Cash per Share (MRQ)	$23.89	$27.54
Operating Cash Flow (TTM) i	$974.00M	$5.61B
Levered Free Cash Flow (TTM) i	$884.00M	$5.50B
Dividends
Last 12-Month Dividend Yield i	3.46%	3.02%
Last 12-Month Dividend i	$2.21	$6.70

Valuation & Enterprise Metrics Analysis: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Metric	ZION (Apr 24, 2026)	PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i	9.66	12.56
Forward P/E i	9.34	11.84
PEG Ratio i	0.25	11.84
Price to Sales (TTM) i	2.70	3.35
Price to Book (MRQ) i	1.29	1.39
Market Capitalization
Market Capitalization i	$9.21B	$70.31B
Enterprise Value i	$8.02B	$128.31B
Enterprise Value Metrics
Enterprise to Revenue i	2.36	6.11
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	0.80	1.07
Book Value per Share (MRQ) i	$48.18	$127.98

Financial Statements Comparison: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

Metric	ZION (2025)	PNC (2024)
Revenue/Sales i	3.39B	20.81B
Cost of Goods Sold i	N/A	N/A
COGS % of Revenue i	0.0%	0.0%
Gross Profit i	N/A	N/A
Gross Margin i	0.0%	0.0%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	N/A
Operating Margin i	0.0%	0.0%
EBITDA i	N/A	N/A
EBITDA Margin i	0.0%	0.0%
Pre-Tax Income i	1.18B	7.24B
Pre-Tax Income % of Revenue i	34.7%	34.8%
Income Tax i	276.00M	1.29B
Income Tax % of Revenue i	8.2%	6.2%
Net Income (Profit) i	899.00M	5.95B
Profit Margin i	26.6%	28.6%

Balance Sheet & Liquidity Metrics

Metric	ZION (2025)	PNC (2024)
Cash & Equivalents i	2.89B	46.25B
Total Current Assets i	N/A	N/A
Total Current Assets % of Revenue i	0.0%	0.0%
Total Current Liabilities i	N/A	N/A
Total Current Liabilities % of Revenue i	0.0%	0.0%
Long-Term Debt i	1.47B	61.67B
Long-Term Debt % of Revenue i	43.5%	296.4%
Total Shareholders Equity i	7.18B	54.47B
Retained Earnings i	7.33B	59.28B
Retained Earnings % of Revenue i	216.5%	284.9%
Property, Plant & Equipment i	N/A	N/A

Cash Flow Statement Comparison

Metric	ZION (2025)	PNC (2024)
Operating Cash Flow i	974.00M	7.96B
Operating Cash Flow % of Revenue i	28.8%	38.3%
Capital Expenditures i	-121.00M	N/A
Free Cash Flow i	952.00M	7.88B
FCF Margin i	28.1%	37.9%
Debt Repayment i	0	-23.75B
Common Stock Repurchase i	-41.00M	-1.19B

Short Interest & Institutional Ownership Analysis

Metric	ZION	PNC
Shares Short i	4.99M	4.98M
Short Ratio i	3.04	2.41
Short % of Float i	3.98%	1.26%
Shares Outstanding i	147.08M	395.94M
Float Shares i	144.28M	392.38M
% Held by Insiders i	1.50%	0.38%
% Held by Institutions i	80.52%	85.29%
% Held by Public i	17.98%	14.33%

Dividend Analysis & Yield Comparison: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Metric	ZION	PNC
Last 12-Month Dividend i	$2.21	$6.70
Last 12-Month Dividend Yield i	3.46%	3.02%
3-Year Avg Annual Dividend i	$1.84	$6.40
3-Year Avg Dividend Yield i	0.95%	1.00%
3-Year Total Dividends i	$5.51	$19.20
Ex-Dividend Date	Feb 12, 2026	Jan 20, 2026

Metric	ZION (Dec 31, 2025)	PNC (Mar 31, 2025)
Operating Cash Flow i	406.00M	2.73B
Operating Cash Flow % of Revenue i	45.6%	50.1%
Capital Expenditures i	-38.00M	N/A
Free Cash Flow i	480.00M	1.80B
FCF Margin i	53.9%	33.0%
Debt Repayment i	N/A	-10.81B
Common Stock Repurchase i	0	-721.00M

Zions [ZION] vs PNC Financial [PNC] Detailed Stock Comparison

Zions Bancorporation, National Association

PNC Financial Services Group, Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete Zions Bancorporation, National Association Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

Zions Bancorporation, National Association vs PNC Financial Services Group, Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Valuation & Enterprise Metrics Analysis: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Financial Statements Comparison: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Financial Metrics

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

ZION (Annual)

ZION (Quarterly)

PNC (Annual)

PNC (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Metric	ZION (Dec 31, 2025)	PNC (Mar 31, 2025)
Revenue/Sales i	891.00M	5.45B
Cost of Goods Sold i	N/A	N/A
COGS % of Revenue i	0.0%	0.0%
Gross Profit i	N/A	N/A
Gross Margin i	0.0%	0.0%
Research & Development i	N/A	N/A
Operating Income (EBIT) i	N/A	N/A
Operating Margin i	0.0%	0.0%
EBITDA i	N/A	N/A
EBITDA Margin i	0.0%	0.0%
Pre-Tax Income i	339.00M	1.85B
Pre-Tax Income % of Revenue i	38.0%	33.9%
Income Tax i	76.00M	347.00M
Income Tax % of Revenue i	8.5%	6.4%
Net Income (Profit) i	263.00M	1.50B
Profit Margin i	29.5%	27.5%

Metric	ZION (Dec 31, 2025)	PNC (Mar 31, 2025)
Cash & Equivalents i	2.89B	38.40B
Total Current Assets i	N/A	N/A
Total Current Assets % of Revenue i	0.0%	0.0%
Total Current Liabilities i	N/A	N/A
Total Current Liabilities % of Revenue i	0.0%	0.0%
Long-Term Debt i	1.47B	60.72B
Long-Term Debt % of Revenue i	165.2%	1,114.8%
Total Shareholders Equity i	7.18B	56.45B
Retained Earnings i	7.33B	60.05B
Retained Earnings % of Revenue i	822.6%	1,102.5%
Property, Plant & Equipment i	N/A	N/A

Zions [ZION] vs PNC Financial [PNC] Detailed Stock Comparison

Zions Bancorporation, National Association

PNC Financial Services Group, Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete Zions Bancorporation, National Association Investment Analysis: Compare with Industry Leaders

Ever Wonder Which Stock is Really the Better Pick?

What You'll Actually Learn (in Plain English)

💰 Which Stock is Cheaper

🏥 Which Company is Healthier

📈 Which Has Been Growing Faster

💵 Which Pays You Better

Zions Bancorporation, National Association vs PNC Financial Services Group, Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Valuation & Enterprise Metrics Analysis: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Financial Statements Comparison: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Financial Metrics Quarterly Annual

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

ZION (Annual)

ZION (Quarterly)

PNC (Annual)

PNC (Quarterly)

Financial Statements Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Income Statement

Balance Sheet & Liquidity Metrics

Cash Flow Statement Comparison

Short Interest & Institutional Ownership Analysis

Dividend Analysis & Yield Comparison: Zions Bancorporation, National Association vs PNC Financial Services Group, Inc.

Financial Metrics