U.S. Bancorp [USB] vs PNC Financial [PNC] Detailed Stock Comparison
U.S. Bancorp
NYSE
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PNC Financial
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: U.S. Bancorp wins in 10 metrics, PNC Financial wins in 8 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | U.S. Bancorp | PNC Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.50 | 12.56 | U.S. Bancorp |
| Price-to-Book Ratio | 1.37 | 1.39 | U.S. Bancorp |
| Debt-to-Equity Ratio | 1.34 | 1.12 | PNC Financial |
| PEG Ratio | 0.80 | 11.84 | U.S. Bancorp |
| Profit Margin (TTM) | 27.00% | 28.75% | PNC Financial |
| Operating Margin (TTM) | 37.33% | 35.28% | U.S. Bancorp |
| EBITDA Margin (TTM) | 37.33% | 35.28% | U.S. Bancorp |
| Return on Equity | 11.67% | 11.33% | U.S. Bancorp |
| Return on Assets (TTM) | 1.01% | 1.09% | PNC Financial |
| Free Cash Flow (TTM) | $11.27B | $7.88B | U.S. Bancorp |
| Dividend Yield | 4.60% | 2.74% | U.S. Bancorp |
| 1-Year Return | 3.16% | 4.18% | PNC Financial |
| Price-to-Sales Ratio (TTM) | 2.93 | 3.35 | U.S. Bancorp |
| Enterprise Value | $102.84B | $128.31B | PNC Financial |
| EV/Revenue Ratio | 4.02 | 6.11 | U.S. Bancorp |
| Revenue per Share (TTM) | $16 | $53 | PNC Financial |
| Earnings per Share (Diluted) | $4.18 | $14.15 | PNC Financial |
| Beta (Stock Volatility) | 1.08 | 1.07 | PNC Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
U.S. Bancorp vs PNC Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| U.S. Bancorp | -0.73% | -2.59% | -1.91% | -0.13% | 29.67% | -0.29% |
| PNC Financial | -1.43% | -3.09% | -4.00% | -0.32% | 28.02% | 2.21% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| U.S. Bancorp | 3.16% | 11.60% | 21.92% | 17.05% | 111.71% | 70.67% |
| PNC Financial | 4.18% | 30.67% | 75.48% | 123.29% | 281.18% | 248.02% |
News Based Sentiment: U.S. Bancorp vs PNC Financial
U.S. Bancorp
News based Sentiment: MIXED
October saw U.S. Bancorp maintaining a generally positive outlook with a dividend increase and a 'Buy' rating from Wells Fargo. However, this was tempered by institutional selling and insider transactions, creating a mixed investment narrative. The upcoming earnings release will be key to resolving this ambiguity.
PNC Financial
News based Sentiment: POSITIVE
October was a mixed month for PNC, with a strong dividend announcement and earnings beat offset by revenue misses and insider selling. However, positive analyst revisions and institutional investment suggest a generally favorable outlook, making it a moderately significant month for investors.
Performance & Financial Health Analysis: U.S. Bancorp vs PNC Financial
| Metric | USB | PNC |
|---|---|---|
| Market Information | ||
| Market Cap | $77.24B | $70.31B |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 8,651,060 | 1,904,080 |
| 90 Day Avg. Volume | 9,873,513 | 1,960,760 |
| Last Close | $47.72 | $195.62 |
| 52 Week Range | $35.18 - $53.98 | $145.12 - $216.26 |
| % from 52W High | -11.60% | -9.54% |
| All-Time High | $63.57 (Jan 10, 2022) | $228.14 (Jan 10, 2022) |
| % from All-Time High | -24.93% | -14.25% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | 0.05% |
| Quarterly Earnings Growth | 0.13% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.29% |
| Operating Margin (TTM) | 0.37% | 0.35% |
| Return on Equity (TTM) | 0.12% | 0.11% |
| Debt to Equity (MRQ) | 1.34 | 1.12 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.02 | $127.98 |
| Cash per Share (MRQ) | $39.85 | $27.54 |
| Operating Cash Flow (TTM) | $7.48B | $5.61B |
| Levered Free Cash Flow (TTM) | $5.91B | $5.50B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.60% | 2.74% |
| Last 12-Month Dividend | $1.99 | $4.80 |
Valuation & Enterprise Metrics Analysis: U.S. Bancorp vs PNC Financial
| Metric | USB | PNC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.50 | 12.56 |
| Forward P/E | 11.10 | 11.84 |
| PEG Ratio | 0.80 | 11.84 |
| Price to Sales (TTM) | 2.93 | 3.35 |
| Price to Book (MRQ) | 1.37 | 1.39 |
| Market Capitalization | ||
| Market Capitalization | $77.24B | $70.31B |
| Enterprise Value | $102.84B | $128.31B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.02 | 6.11 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 1.08 | 1.07 |
| Book Value per Share (MRQ) | $35.02 | $127.98 |
Financial Statements Comparison: U.S. Bancorp vs PNC Financial
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) | USB | PNC |
|---|---|---|
| Revenue/Sales | $6.93B | $5.45B |
| 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 | $2.16B | $1.85B |
| Income Tax | $443.00M | $347.00M |
| Net Income (Profit) | $1.72B | $1.50B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | USB | PNC |
|---|---|---|
| Cash & Equivalents | $50.01B | $38.40B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $59.86B | $60.72B |
| Total Shareholders Equity | $60.56B | $56.45B |
| Retained Earnings | $77.69B | $60.05B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | USB | PNC |
|---|---|---|
| Operating Cash Flow | $-750.00M | $2.73B |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | $-285.00M | $1.80B |
| Debt Repayment | $-2.10B | $-10.81B |
| Common Stock Repurchase | $-160.00M | $-721.00M |
Short Interest & Institutional Ownership Analysis
| Metric | USB | PNC |
|---|---|---|
| Shares Short | 22.01M | 4.98M |
| Short Ratio | 2.51 | 2.41 |
| Short % of Float | 0.01% | 0.01% |
| Average Daily Volume (10 Day) | 8,651,060 | 1,904,080 |
| Average Daily Volume (90 Day) | 9,873,513 | 1,960,760 |
| Shares Outstanding | 1.56B | 395.94M |
| Float Shares | 1.55B | 392.38M |
| % Held by Insiders | 0.00% | 0.00% |
| % Held by Institutions | 0.82% | 0.85% |
Dividend Analysis & Yield Comparison: U.S. Bancorp vs PNC Financial
| Metric | USB | PNC |
|---|---|---|
| Last 12-Month Dividend | $1.99 | $4.80 |
| Last 12-Month Dividend Yield | 4.60% | 2.74% |
| 3-Year Avg Annual Dividend | $1.78 | $5.67 |
| 3-Year Avg Dividend Yield | 1.19% | 1.03% |
| 3-Year Total Dividends | $5.35 | $17.00 |
| Ex-Dividend Date | Mar 31, 2025 | Jan 15, 2025 |