PNC vs. WFC: PNC Financial Services vs. Wells Fargo Stock Comparison
This page compares PNC Financial Services (PNC) with Wells Fargo (WFC) using performance and risk, profitability, financial strength, growth, dividends, and valuation metrics.
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | PNC | WFC |
|---|---|---|
| 1-Year Return | 36.84% | 12.39% |
Risk
Drawdown
Risk at a Glance
| Metric | PNC | WFC |
|---|---|---|
| 1-Year Volatility | 21.78% | 26.68% |
| Beta | 0.92 | 0.93 |
| 3-Month Avg. Volume | 2.16M | 16.94M |
Company Profile
PNC Financial Services (PNC) and Wells Fargo (WFC) 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 | WFC |
|---|---|---|
| Name | The PNC Financial Services Group, Inc. | Wells Fargo & Company |
| 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 | 251.55 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | November 17, 1975 | June 1, 1972 |
| Security Type | Common Stock | Common Stock |
Valuation
Price-to-Earnings Ratio (TTM)
Both PNC Financial Services (PNC) at 13.49 and Wells Fargo (WFC) at 12.70 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
WFC
Banks industry group
12.70
- Max
- 20.85
- Q3
- 15.27
- WFC
- 12.70
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
Price-to-Sales Ratio (TTM)
P/S ratio is set aside for both PNC Financial Services (PNC) in Banks and Wells Fargo (WFC) 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.
Price-to-Book Ratio (MRQ)
Wells Fargo (WFC) 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
WFC
Banks industry group
1.55
- Max
- 2.23
- Q3
- 1.56
- WFC
- 1.55
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | PNC | WFC |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 13.49 | 12.70 |
| Price-to-Sales Ratio (TTM) | -- | -- |
| Price-to-Book Ratio (MRQ) | 1.62 | 1.55 |
| Free Cash Flow Yield | -- | -- |
Profitability
Return on Equity (TTM)
Both PNC Financial Services (PNC) at 12.10% and Wells Fargo (WFC) at 12.03% 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%
WFC
Banks industry group
12.03%
- Max
- 19.15%
- Q3
- 13.07%
- WFC
- 12.03%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Profit Margin (TTM)
Both PNC Financial Services (PNC) at 31.31% and Wells Fargo (WFC) at 26.74% 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%
WFC
Banks industry group
26.74%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- WFC
- 26.74%
- Q1
- 25.62%
- Min
- 12.76%
Operating Profit Margin (TTM)
Neither side reports a meaningful operating margin: for PNC Financial Services (PNC) in Banks and Wells Fargo (WFC) 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 | WFC |
|---|---|---|
| Return on Equity (TTM) | 12.10% | 12.03% |
| Return on Assets (TTM) | 1.26% | 1.05% |
| Net Profit Margin (TTM) | 31.31% | 26.74% |
| Operating Profit Margin (TTM) | -- | -- |
| Gross Profit Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | PNC | WFC |
|---|---|---|
| 1-Year Revenue Growth | 10.90% | 1.70% |
| 3-Year Revenue CAGR | 3.01% | 4.02% |
EPS Growth
EPS Growth at a Glance
| Metric | PNC | WFC |
|---|---|---|
| 1-Year EPS Growth | 20.74% | 16.57% |
| 3-Year EPS CAGR | 6.20% | 25.86% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: PNC Financial Services (PNC) in Banks and Wells Fargo (WFC) 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 (MRQ)
debt-to-equity ratio is set aside for both: PNC Financial Services (PNC) in Banks and Wells Fargo (WFC) 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 | WFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt-to-Equity Ratio (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both PNC Financial Services (PNC) at 2.90% and Wells Fargo (WFC) at 2.12% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
PNC
Banks industry group
2.90%
- Max
- 6.87%
- Q3
- 2.97%
- PNC
- 2.90%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
WFC
Banks industry group
2.12%
- Max
- 6.87%
- Q3
- 2.97%
- WFC
- 2.12%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both PNC Financial Services (PNC) at 38.93% and Wells Fargo (WFC) at 27.05% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
PNC
Banks industry group
38.93%
- Max
- 67.80%
- Q3
- 42.56%
- PNC
- 38.93%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
WFC
Banks industry group
27.05%
- Max
- 67.80%
- Q3
- 42.56%
- Median
- 28.63%
- WFC
- 27.05%
- Q1
- 20.42%
- Min
- 0.00%
Dividends at a Glance
| Metric | PNC | WFC |
|---|---|---|
| Dividend Yield (TTM) | 2.90% | 2.12% |
| Dividend Payout Ratio (TTM) | 38.93% | 27.05% |