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

U.S. Bancorp

NYSE
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

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

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USB
PNC

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricUSBPNC
Market Information
Market Cap i$88.06B$70.31B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i9,829,0021,904,080
90 Day Avg. Volume i10,401,0071,960,760
Last Close$57.79$230.56
52 Week Range$42.55 - $61.19$172.88 - $243.94
% from 52W High-5.56%-5.48%
All-Time High$63.57 (Jan 10, 2022)$243.94 (Feb 06, 2026)
% from All-Time High-9.09%-5.48%
Growth Metrics
Quarterly Revenue Growth0.05%0.05%
Quarterly Earnings Growth0.14%0.11%
Financial Health
Profit Margin (TTM) i0.29%0.29%
Operating Margin (TTM) i0.38%0.35%
Return on Equity (TTM) i0.12%0.11%
Debt to Equity (MRQ) i1.211.12
Cash & Liquidity
Book Value per Share (MRQ)$37.54$127.98
Cash per Share (MRQ)$31.14$27.54
Operating Cash Flow (TTM) i$6.04B$5.61B
Levered Free Cash Flow (TTM) i$7.19B$5.50B
Dividends
Last 12-Month Dividend Yield i3.82%3.02%
Last 12-Month Dividend i$2.04$6.70

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

MetricUSB (Apr 24, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i11.9212.56
Forward P/E i10.0911.84
PEG Ratio i0.8211.84
Price to Sales (TTM) i3.323.35
Price to Book (MRQ) i1.511.39
Market Capitalization
Market Capitalization i$88.06B$70.31B
Enterprise Value i$126.46B$128.31B
Enterprise Value Metrics
Enterprise to Revenue i4.756.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.031.07
Book Value per Share (MRQ) i$37.54$127.98

Financial Statements Comparison: U.S. Bancorp 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

MetricUSB (2025)PNC (2024)
Revenue/Sales i28.54B20.81B
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 i9.52B7.24B
Pre-Tax Income % of Revenue i33.3%34.8%
Income Tax i1.92B1.29B
Income Tax % of Revenue i6.7%6.2%
Net Income (Profit) i7.60B5.95B
Profit Margin i26.6%28.6%

Balance Sheet & Liquidity Metrics

MetricUSB (2025)PNC (2024)
Cash & Equivalents i46.89B46.25B
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 i60.76B61.67B
Long-Term Debt % of Revenue i212.9%296.4%
Total Shareholders Equity i65.65B54.47B
Retained Earnings i80.91B59.28B
Retained Earnings % of Revenue i283.5%284.9%
Property, Plant & Equipment i1.51BN/A

Cash Flow Statement Comparison

MetricUSB (2025)PNC (2024)
Operating Cash Flow i6.04B7.96B
Operating Cash Flow % of Revenue i21.2%38.3%
Capital Expenditures iN/AN/A
Free Cash Flow i7.97B7.88B
FCF Margin i27.9%37.9%
Debt Repayment i-9.05B-23.75B
Common Stock Repurchase i-489.00M-1.19B

Short Interest & Institutional Ownership Analysis

MetricUSBPNC
Shares Short i27,0024.98M
Short Ratio i0.002.41
Short % of Float i0.00%1.26%
Shares Outstanding i1.56B395.94M
Float Shares i1.55B392.38M
% Held by Insiders i0.14%0.38%
% Held by Institutions i83.55%85.29%
% Held by Public i16.31%14.33%

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

MetricUSBPNC
Last 12-Month Dividend i$2.04$6.70
Last 12-Month Dividend Yield i3.82%3.02%
3-Year Avg Annual Dividend i$1.98$6.40
3-Year Avg Dividend Yield i1.19%1.00%
3-Year Total Dividends i$5.95$19.20
Ex-Dividend DateDec 31, 2025Jan 20, 2026