ITUB vs. PNC: Itaú Unibanco vs. PNC Financial Services Stock Comparison

Company Profile

Itaú Unibanco (ITUB) and PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

PNC Financial Services (PNC) trades as ordinary local shares, while Itaú Unibanco (ITUB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Itaú Unibanco (ITUB) at 20.96% clears its industry range for ROE, a sharper capital-efficiency signal than PNC Financial Services (PNC) at 13.10%, which is closer to a typical peer reading.

Both Itaú Unibanco (ITUB) at 32.46% and PNC Financial Services (PNC) at 31.68% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Itaú Unibanco (ITUB) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

PNC Financial Services (PNC) at 10.90% is around its peer norm for revenue growth, while Itaú Unibanco (ITUB) at 4.21% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Itaú Unibanco (ITUB) at 9.21% and PNC Financial Services (PNC) at 20.74% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Itaú Unibanco (ITUB) in Banks and PNC Financial Services (PNC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Itaú Unibanco (ITUB) in Banks and PNC Financial Services (PNC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

PNC Financial Services (PNC) at 3.13% pays an industry-typical yield; Itaú Unibanco (ITUB) at 40.54% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

PNC Financial Services (PNC) at 37.81% pays out a band-typical share of earnings, while Itaú Unibanco (ITUB) at 70.75% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Itaú Unibanco (ITUB) at 9.12 sits in the cheaper P/E ratio quartile, while PNC Financial Services (PNC) at 12.00 is closer to its industry’s usual earnings multiple — a discount for ITUB, though growth and earnings durability still matter.

P/S ratio is set aside for both Itaú Unibanco (ITUB) in Banks and PNC Financial Services (PNC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Both Itaú Unibanco (ITUB) at 1.79 and PNC Financial Services (PNC) at 1.59 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics