PNC vs. USB: PNC Financial Services vs. U.S. Bancorp Stock Comparison
How do PNC Financial Services (PNC) and U.S. Bancorp (USB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
PNC Financial Services (PNC) and U.S. Bancorp (USB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | PNC | USB |
|---|---|---|
| Name | The PNC Financial Services Group, Inc. | U.S. Bancorp |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 93.18 billion USD | 90.57 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 17, 1975 | May 3, 1973 |
| Security Type | Common Stock | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | PNC | USB |
|---|---|---|
| Total Return (1Y) | 36.84% | 40.07% |
Risk
Drawdown
Risk at a Glance
| Metric | PNC | USB |
|---|---|---|
| Volatility (1Y, Annualized) | 21.78% | 22.32% |
| Beta (5Y) | 0.92 | 0.97 |
| Avg. Volume (3M) | 2.16M | 9.42M |
Profitability
ROE (TTM)
Both PNC Financial Services (PNC) at 12.10% and U.S. Bancorp (USB) at 12.35% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
PNC
Banks industry group
12.10%
- Max
- 19.15%
- Q3
- 13.07%
- PNC
- 12.10%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
USB
Banks industry group
12.35%
- Max
- 19.15%
- Q3
- 13.07%
- USB
- 12.35%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
Both PNC Financial Services (PNC) at 31.31% and U.S. Bancorp (USB) at 29.29% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
PNC
Banks industry group
31.31%
- Max
- 47.55%
- Q3
- 34.61%
- PNC
- 31.31%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
USB
Banks industry group
29.29%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- USB
- 29.29%
- Q1
- 25.62%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for PNC Financial Services (PNC) in Banks and U.S. Bancorp (USB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | PNC | USB |
|---|---|---|
| ROE (TTM) | 12.10% | 12.35% |
| ROA (TTM) | 1.26% | 1.14% |
| Net Margin (TTM) | 31.31% | 29.29% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | PNC | USB |
|---|---|---|
| Revenue Growth (YoY) | 10.90% | 4.41% |
| Revenue Growth (3Y CAGR) | 3.01% | 5.68% |
EPS Growth
EPS Growth at a Glance
| Metric | PNC | USB |
|---|---|---|
| EPS Growth (YoY) | 20.74% | 21.90% |
| EPS Growth (3Y CAGR) | 6.20% | 7.78% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: PNC Financial Services (PNC) in Banks and U.S. Bancorp (USB) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: PNC Financial Services (PNC) in Banks and U.S. Bancorp (USB) 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 at a Glance
| Metric | PNC | USB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
U.S. Bancorp (USB) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile PNC Financial Services (PNC) reports a yield of 2.90%, ranking against industry peers normally.
PNC
Banks industry group
2.90%
- Max
- 6.87%
- Q3
- 2.97%
- PNC
- 2.90%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
USB
Banks industry group
0.00%
- Max
- 6.87%
- Q3
- 2.97%
- Median
- 1.82%
- USB
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Dividend policy can be sized up on one side only: PNC Financial Services (PNC) pays out 38.93% of earnings, measured against its industry’s payout band; U.S. Bancorp (USB) shows no payout ratio this period.
PNC
Banks industry group
38.93%
- Max
- 67.80%
- Q3
- 42.56%
- PNC
- 38.93%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
USB
Banks industry group
--
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
- USB
- --
Dividends at a Glance
| Metric | PNC | USB |
|---|---|---|
| Dividend Yield (TTM) | 2.90% | 0.00% |
| Dividend Payout Ratio (TTM) | 38.93% | -- |
Valuation
P/E Ratio (TTM)
Both PNC Financial Services (PNC) at 13.49 and U.S. Bancorp (USB) at 12.19 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
PNC
Banks industry group
13.49
- Max
- 20.85
- Q3
- 15.27
- PNC
- 13.49
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
USB
Banks industry group
12.19
- Max
- 20.85
- Q3
- 15.27
- Median
- 12.70
- USB
- 12.19
- Q1
- 11.13
- Min
- 6.36
P/S Ratio (TTM)
P/S ratio is set aside for both PNC Financial Services (PNC) in Banks and U.S. Bancorp (USB) 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.
P/B Ratio (MRQ)
U.S. Bancorp (USB) at 1.55 is valued about in line with its industry on P/B ratio, while PNC Financial Services (PNC) at 1.62 carries an above-peer premium to book — PNC is pricier on assets.
PNC
Banks industry group
1.62
- Max
- 2.23
- PNC
- 1.62
- Q3
- 1.56
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
USB
Banks industry group
1.55
- Max
- 2.23
- Q3
- 1.56
- USB
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | PNC | USB |
|---|---|---|
| P/E Ratio (TTM) | 13.49 | 12.19 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.62 | 1.55 |
| Free Cash Flow Yield (TTM) | -- | -- |