PNC Financial [PNC] vs U.S. Bancorp [USB] Detailed Stock Comparison
PNC Financial
NYSE
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: PNC Financial wins in 7 metrics, U.S. Bancorp wins in 11 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | PNC Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.56 | 11.06 | U.S. Bancorp |
| Price-to-Book Ratio | 1.39 | 1.32 | U.S. Bancorp |
| Debt-to-Equity Ratio | 1.12 | 1.34 | PNC Financial |
| PEG Ratio | 11.84 | 0.77 | U.S. Bancorp |
| Profit Margin (TTM) | 28.75% | 27.00% | PNC Financial |
| Operating Margin (TTM) | 35.28% | 37.33% | U.S. Bancorp |
| EBITDA Margin (TTM) | 35.28% | 37.33% | U.S. Bancorp |
| Return on Equity | 11.33% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 1.09% | 1.01% | PNC Financial |
| Free Cash Flow (TTM) | $7.88B | $11.27B | U.S. Bancorp |
| Dividend Yield | 2.74% | 4.60% | U.S. Bancorp |
| 1-Year Return | 8.93% | 1.72% | PNC Financial |
| Price-to-Sales Ratio (TTM) | 3.35 | 2.81 | U.S. Bancorp |
| Enterprise Value | $128.31B | $99.95B | PNC Financial |
| EV/Revenue Ratio | 6.11 | 3.91 | U.S. Bancorp |
| Revenue per Share (TTM) | $53 | $16 | PNC Financial |
| Earnings per Share (Diluted) | $14.15 | $4.18 | PNC Financial |
| Beta (Stock Volatility) | 1.07 | 1.03 | U.S. Bancorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
PNC Financial vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PNC Financial | -0.51% | -0.29% | -1.04% | 12.61% | 3.16% | 1.36% |
| U.S. Bancorp | -0.52% | -1.41% | 0.85% | 7.65% | 0.65% | -3.53% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PNC Financial | 8.93% | 19.61% | 72.67% | 112.65% | 273.29% | 252.98% |
| U.S. Bancorp | 1.72% | -0.69% | 24.11% | 8.41% | 113.16% | 58.61% |
Performance & Financial Health Analysis: PNC Financial vs U.S. Bancorp
| Metric | PNC | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $70.31B | $71.91B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 1,904,080 | 7,047,730 |
| 90 Day Avg. Volume | 1,960,760 | 10,113,727 |
| Last Close | $194.00 | $46.17 |
| 52 Week Range | $145.12 - $216.26 | $35.18 - $53.98 |
| % from 52W High | -10.29% | -14.47% |
| All-Time High | $228.14 (Jan 10, 2022) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -14.96% | -27.37% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.03% |
| Quarterly Earnings Growth | 0.11% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.29% | 0.27% |
| Operating Margin (TTM) | 0.35% | 0.37% |
| Return on Equity (TTM) | 0.11% | 0.12% |
| Debt to Equity (MRQ) | 1.12 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $127.98 | $35.02 |
| Cash per Share (MRQ) | $27.54 | $39.85 |
| Operating Cash Flow (TTM) | $5.61B | $7.48B |
| Levered Free Cash Flow (TTM) | $5.50B | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.74% | 4.60% |
| Last 12-Month Dividend | $4.80 | $1.99 |
Valuation & Enterprise Metrics Analysis: PNC Financial vs U.S. Bancorp
| Metric | PNC | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.56 | 11.06 |
| Forward P/E | 11.84 | 10.67 |
| PEG Ratio | 11.84 | 0.77 |
| Price to Sales (TTM) | 3.35 | 2.81 |
| Price to Book (MRQ) | 1.39 | 1.32 |
| Market Capitalization | ||
| Market Capitalization | $70.31B | $71.91B |
| Enterprise Value | $128.31B | $99.95B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.11 | 3.91 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.07 | 1.03 |
| Book Value per Share (MRQ) | $127.98 | $35.02 |
Financial Statements Comparison: PNC Financial vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PNC | USB |
|---|---|---|
| Revenue/Sales | $5.45B | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $1.85B | $2.16B |
| Income Tax | $347.00M | $443.00M |
| Net Income (Profit) | $1.50B | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PNC | USB |
|---|---|---|
| Cash & Equivalents | $38.40B | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $60.72B | $59.86B |
| Total Shareholders Equity | $56.45B | $60.56B |
| Retained Earnings | $60.05B | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PNC | USB |
|---|---|---|
| Operating Cash Flow | $2.73B | $-750.00M |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $1.80B | $-285.00M |
| Debt Repayment | $-10.81B | $-2.10B |
| Common Stock Repurchase | $-721.00M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | PNC | USB |
|---|---|---|
| Shares Short | 4.98M | 21.33M |
| Short Ratio | 2.41 | 1.70 |
| Short % of Float | 0.01% | 0.01% |
| Average Daily Volume (10 Day) | 1,904,080 | 7,047,730 |
| Average Daily Volume (90 Day) | 1,960,760 | 10,113,727 |
| Shares Outstanding | 395.94M | 1.56B |
| Float Shares | 392.38M | 1.55B |
| % Held by Insiders | 0.00% | 0.00% |
| % Held by Institutions | 0.85% | 0.83% |
Dividend Analysis & Yield Comparison: PNC Financial vs U.S. Bancorp
| Metric | PNC | USB |
|---|---|---|
| Last 12-Month Dividend | $4.80 | $1.99 |
| Last 12-Month Dividend Yield | 2.74% | 4.60% |
| 3-Year Avg Annual Dividend | $5.67 | $1.78 |
| 3-Year Avg Dividend Yield | 1.03% | 1.19% |
| 3-Year Total Dividends | $17.00 | $5.35 |
| Ex-Dividend Date | Jan 15, 2025 | Mar 31, 2025 |