M&T Bank [MTB] vs PNC Financial [PNC] Detailed Stock Comparison

M&T Bank Corporation

NYSE

PNC Financial Services Group, Inc.

NYSE

TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: M&T Bank Corporation wins in 13 metrics, PNC Financial Services Group, Inc. wins in 6 metrics, with 0 ties. M&T Bank Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric	M&T Bank Corporation	PNC Financial Services Group, Inc.	Better
P/E Ratio (TTM)	11.47	12.56	M&T Bank Corporation
Price-to-Book Ratio	1.09	1.39	M&T Bank Corporation
Debt-to-Equity Ratio	0.54	1.12	M&T Bank Corporation
PEG Ratio	0.84	11.84	M&T Bank Corporation
Profit Margin (TTM)	30.54%	28.75%	M&T Bank Corporation
Operating Margin (TTM)	43.89%	35.28%	M&T Bank Corporation
EBITDA Margin (TTM)	43.89%	35.28%	M&T Bank Corporation
Return on Equity	9.63%	11.33%	PNC Financial Services Group, Inc.
Return on Assets (TTM)	1.31%	1.09%	M&T Bank Corporation
Free Cash Flow (TTM)	$3.39B	$7.88B	PNC Financial Services Group, Inc.
Dividend Yield	2.67%	3.02%	PNC Financial Services Group, Inc.
1-Year Return	18.33%	27.22%	PNC Financial Services Group, Inc.
Price-to-Sales Ratio (TTM)	3.15	3.35	M&T Bank Corporation
Enterprise Value	$27.38B	$128.31B	PNC Financial Services Group, Inc.
EV/Revenue Ratio	3.02	6.11	M&T Bank Corporation
Revenue per Share (TTM)	$56	$53	M&T Bank Corporation
Earnings per Share (Diluted)	$16.21	$14.15	M&T Bank Corporation
Beta (Stock Volatility)	0.61	1.07	M&T Bank Corporation
Short % of Float	3.49%	1.26%	PNC Financial Services Group, Inc.

M&T Bank Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock	1D	1W	1M	3M	6M	YTD
M&T Bank Corporation	-1.50%	-0.50%	-0.02%	-2.26%	9.41%	4.90%
PNC Financial Services Group, Inc.	-1.24%	-1.15%	0.11%	2.45%	10.24%	3.22%

Long-term Returns

Stock	1Y	3Y	5Y	10Y	15Y	20Y
M&T Bank Corporation	18.33%	72.08%	34.01%	82.70%	151.91%	84.88%
PNC Financial Services Group, Inc.	27.22%	78.93%	13.98%	149.66%	272.63%	219.68%

Performance & Financial Health Analysis: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Metric	MTB	PNC
Market Information
Market Cap i	$28.56B	$70.31B
Market Cap Category	Large cap	Large cap
10 Day Avg. Volume i	1,077,600	1,904,080
90 Day Avg. Volume i	1,279,450	1,960,760
Last Close	$214.03	$218.27
52 Week Range	$174.76 - $239.00	$172.73 - $243.94
% from 52W High	-10.45%	-10.52%
All-Time High	$239.00 (Feb 11, 2026)	$243.94 (Feb 06, 2026)
% from All-Time High	-10.45%	-10.52%
Growth Metrics
Quarterly Revenue Growth	0.08%	0.05%
Quarterly Earnings Growth	0.10%	0.11%
Financial Health
Profit Margin (TTM) i	0.31%	0.29%
Operating Margin (TTM) i	0.44%	0.35%
Return on Equity (TTM) i	0.10%	0.11%
Debt to Equity (MRQ) i	0.54	1.12
Cash & Liquidity
Book Value per Share (MRQ)	$170.44	$127.98
Cash per Share (MRQ)	$123.94	$27.54
Operating Cash Flow (TTM) i	$4.16B	$5.61B
Levered Free Cash Flow (TTM) i	$2.45B	$5.50B
Dividends
Last 12-Month Dividend Yield i	2.67%	3.02%
Last 12-Month Dividend i	$5.85	$6.70

Valuation & Enterprise Metrics Analysis: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Metric	MTB (Nov 10, 2025)	PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i	11.47	12.56
Forward P/E i	11.42	11.84
PEG Ratio i	0.84	11.84
Price to Sales (TTM) i	3.15	3.35
Price to Book (MRQ) i	1.09	1.39
Market Capitalization
Market Capitalization i	$28.56B	$70.31B
Enterprise Value i	$27.38B	$128.31B
Enterprise Value Metrics
Enterprise to Revenue i	3.02	6.11
Enterprise to EBITDA i	N/A	N/A
Risk & Other Metrics
Beta i	0.61	1.07
Book Value per Share (MRQ) i	$170.44	$127.98

Financial Statements Comparison: M&T Bank 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

Metric	MTB (2024)	PNC (2024)
Revenue/Sales i	9.23B	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	3.31B	7.24B
Pre-Tax Income % of Revenue i	35.9%	34.8%
Income Tax i	722.00M	1.29B
Income Tax % of Revenue i	7.8%	6.2%
Net Income (Profit) i	2.59B	5.95B
Profit Margin i	28.0%	28.6%

Balance Sheet & Liquidity Metrics

Metric	MTB (2024)	PNC (2024)
Cash & Equivalents i	20.78B	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	12.61B	61.67B
Long-Term Debt % of Revenue i	136.6%	296.4%
Total Shareholders Equity i	29.03B	54.47B
Retained Earnings i	19.08B	59.28B
Retained Earnings % of Revenue i	206.7%	284.9%
Property, Plant & Equipment i	569.00M	N/A

Cash Flow Statement Comparison

Metric	MTB (2024)	PNC (2024)
Operating Cash Flow i	3.12B	7.96B
Operating Cash Flow % of Revenue i	33.8%	38.3%
Capital Expenditures i	N/A	N/A
Free Cash Flow i	3.39B	7.88B
FCF Margin i	36.8%	37.9%
Debt Repayment i	-1.01B	-23.75B
Common Stock Repurchase i	-746.00M	-1.19B

Short Interest & Institutional Ownership Analysis

Metric	MTB	PNC
Shares Short i	4.70M	4.98M
Short Ratio i	4.06	2.41
Short % of Float i	3.49%	1.26%
Shares Outstanding i	156.52M	395.94M
Float Shares i	152.90M	392.38M
% Held by Insiders i	0.41%	0.38%
% Held by Institutions i	90.48%	85.29%
% Held by Public i	9.11%	14.33%

Dividend Analysis & Yield Comparison: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Metric	MTB	PNC
Last 12-Month Dividend i	$5.85	$6.70
Last 12-Month Dividend Yield i	2.67%	3.02%
3-Year Avg Annual Dividend i	$5.48	$6.40
3-Year Avg Dividend Yield i	0.83%	1.00%
3-Year Total Dividends i	$16.45	$19.20
Ex-Dividend Date	Mar 02, 2026	Jan 20, 2026

Metric	MTB (Jun 30, 2025)	PNC (Mar 31, 2025)
Operating Cash Flow i	348.00M	2.73B
Operating Cash Flow % of Revenue i	14.6%	50.1%
Capital Expenditures i	N/A	N/A
Free Cash Flow i	610.00M	1.80B
FCF Margin i	25.6%	33.0%
Debt Repayment i	-2.95B	-10.81B
Common Stock Repurchase i	-656.00M	-721.00M

M&T Bank [MTB] vs PNC Financial [PNC] Detailed Stock Comparison

M&T Bank Corporation

PNC Financial Services Group, Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete M&T Bank Corporation 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

M&T Bank Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Valuation & Enterprise Metrics Analysis: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Financial Statements Comparison: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Financial Metrics

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

MTB (Annual)

MTB (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: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Metric	MTB (Jun 30, 2025)	PNC (Mar 31, 2025)
Revenue/Sales i	2.39B	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	935.00M	1.85B
Pre-Tax Income % of Revenue i	39.2%	33.9%
Income Tax i	219.00M	347.00M
Income Tax % of Revenue i	9.2%	6.4%
Net Income (Profit) i	716.00M	1.50B
Profit Margin i	30.0%	27.5%

Metric	MTB (Jun 30, 2025)	PNC (Mar 31, 2025)
Cash & Equivalents i	22.77B	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	10.50B	60.72B
Long-Term Debt % of Revenue i	439.9%	1,114.8%
Total Shareholders Equity i	28.99B	56.45B
Retained Earnings i	19.41B	60.05B
Retained Earnings % of Revenue i	813.3%	1,102.5%
Property, Plant & Equipment i	N/A	N/A

M&T Bank [MTB] vs PNC Financial [PNC] Detailed Stock Comparison

M&T Bank Corporation

PNC Financial Services Group, Inc.

TLDR: Quick Comparison Summary

Vital Metrics Comparison

Complete M&T Bank Corporation 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

M&T Bank Corporation vs PNC Financial Services Group, Inc. Stock Performance Analysis

Performance Comparison

Short-term Returns

Long-term Returns

Performance & Financial Health Analysis: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Valuation & Enterprise Metrics Analysis: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Financial Statements Comparison: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Financial Metrics Quarterly Annual

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

MTB (Annual)

MTB (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: M&T Bank Corporation vs PNC Financial Services Group, Inc.

Financial Metrics