PNC Financial [PNC] vs U.S. Bancorp [USB] Detailed Stock Comparison

PNC Financial Services Group, Inc.

NYSE
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: PNC Financial Services Group, Inc. wins in 5 metrics, U.S. Bancorp wins in 14 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PNC Financial Services Group, Inc. U.S. Bancorp Better
P/E Ratio (TTM) 12.56 11.92 U.S. Bancorp
Price-to-Book Ratio 1.39 1.51 PNC Financial Services Group, Inc.
Debt-to-Equity Ratio 1.12 1.21 PNC Financial Services Group, Inc.
PEG Ratio 11.84 0.82 U.S. Bancorp
Profit Margin (TTM) 28.75% 29.29% U.S. Bancorp
Operating Margin (TTM) 35.28% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 35.28% 37.84% U.S. Bancorp
Return on Equity 11.33% 12.35% U.S. Bancorp
Return on Assets (TTM) 1.09% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $7.88B $7.97B U.S. Bancorp
Dividend Yield 3.02% 3.82% U.S. Bancorp
1-Year Return 37.08% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 3.35 3.32 U.S. Bancorp
Enterprise Value $128.31B $126.46B PNC Financial Services Group, Inc.
EV/Revenue Ratio 6.11 4.75 U.S. Bancorp
Revenue per Share (TTM) $53 $17 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $14.15 $4.77 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 1.07 1.03 U.S. Bancorp
Short % of Float 1.26% 0.00% U.S. Bancorp

PNC Financial Services Group, Inc. vs U.S. Bancorp Stock Performance Analysis

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PNC
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: PNC Financial Services Group, Inc. vs U.S. Bancorp

MetricPNCUSB
Market Information
Market Cap i$70.31B$88.06B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i1,904,0809,829,002
90 Day Avg. Volume i1,960,76010,401,007
Last Close$230.56$57.79
52 Week Range$172.88 - $243.94$42.55 - $61.19
% from 52W High-5.48%-5.56%
All-Time High$243.94 (Feb 06, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-5.48%-9.09%
Growth Metrics
Quarterly Revenue Growth0.05%0.05%
Quarterly Earnings Growth0.11%0.14%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.35%0.38%
Return on Equity (TTM) i0.11%0.12%
Debt to Equity (MRQ) i1.121.21
Cash & Liquidity
Book Value per Share (MRQ)$127.98$37.54
Cash per Share (MRQ)$27.54$31.14
Operating Cash Flow (TTM) i$5.61B$6.04B
Levered Free Cash Flow (TTM) i$5.50B$7.19B
Dividends
Last 12-Month Dividend Yield i3.02%3.82%
Last 12-Month Dividend i$6.70$2.04

Valuation & Enterprise Metrics Analysis: PNC Financial Services Group, Inc. vs U.S. Bancorp

MetricPNC (Jun 13, 2025)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.5611.92
Forward P/E i11.8410.09
PEG Ratio i11.840.82
Price to Sales (TTM) i3.353.32
Price to Book (MRQ) i1.391.51
Market Capitalization
Market Capitalization i$70.31B$88.06B
Enterprise Value i$128.31B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i6.114.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.071.03
Book Value per Share (MRQ) i$127.98$37.54

Financial Statements Comparison: PNC Financial Services Group, Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPNC (2024)USB (2025)
Revenue/Sales i20.81B28.54B
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 i7.24B9.52B
Pre-Tax Income % of Revenue i34.8%33.3%
Income Tax i1.29B1.92B
Income Tax % of Revenue i6.2%6.7%
Net Income (Profit) i5.95B7.60B
Profit Margin i28.6%26.6%

Balance Sheet & Liquidity Metrics

MetricPNC (2024)USB (2025)
Cash & Equivalents i46.25B46.89B
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 i61.67B60.76B
Long-Term Debt % of Revenue i296.4%212.9%
Total Shareholders Equity i54.47B65.65B
Retained Earnings i59.28B80.91B
Retained Earnings % of Revenue i284.9%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricPNC (2024)USB (2025)
Operating Cash Flow i7.96B6.04B
Operating Cash Flow % of Revenue i38.3%21.2%
Capital Expenditures iN/AN/A
Free Cash Flow i7.88B7.97B
FCF Margin i37.9%27.9%
Debt Repayment i-23.75B-9.05B
Common Stock Repurchase i-1.19B-489.00M

Short Interest & Institutional Ownership Analysis

MetricPNCUSB
Shares Short i4.98M27,002
Short Ratio i2.410.00
Short % of Float i1.26%0.00%
Shares Outstanding i395.94M1.56B
Float Shares i392.38M1.55B
% Held by Insiders i0.38%0.14%
% Held by Institutions i85.29%83.55%
% Held by Public i14.33%16.31%

Dividend Analysis & Yield Comparison: PNC Financial Services Group, Inc. vs U.S. Bancorp

MetricPNCUSB
Last 12-Month Dividend i$6.70$2.04
Last 12-Month Dividend Yield i3.02%3.82%
3-Year Avg Annual Dividend i$6.40$1.98
3-Year Avg Dividend Yield i1.00%1.19%
3-Year Total Dividends i$19.20$5.95
Ex-Dividend DateJan 20, 2026Dec 31, 2025