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PNC vs USB vs NU

161 measures in 16 categories, one definition each, computed from filings and market data.
PNC51.4
The PNC Financial Services Group, Inc.
Financial Services · Banks - Regional
$217.39 +1.14%$86.7B mkt cap
Score DNA
USB58.7
U.S. Bancorp
Financial Services · Banks - Regional
$58.73 +2.32%$91.5B mkt cap
Score DNA
NU18.6
Nu Holdings Ltd.
Financial Services · Banks - Regional
$14.56 −1.15%$70.3B mkt cap
Score DNA

Price, rebased to 100 three years ago

PNC   USB   NU   · weekly adjusted closes
100150200Jan 24Apr 24Jul 24Oct 24Jan 25Apr 25Jul 25Oct 25Jan 26Apr 26Jul 26Oct 26PNC 201USB 200NU 188
Smart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.

Smart money

8 measures
MeasurePNCUSBNU
Insider open-market buys, 180d 0 0 0
Insider $ bought, 180d — — —
Congress purchases, 180d 1 1 0
Last Congress purchase 2026-06-02 2026-06-02 —
13F net change in holders +113 +91 −41
ETFs adding shares, 30d 1,227 1,547 468
ETFs trimming, 30d 1,048 1,204 263
Net ETF funds, 30d +179 +343 +205

Valuation

16 measures
MeasurePNCUSBNU
P/E (TTM) 11.4x
43rd
 11.2x
40th
 19.5x
93rd
PEG (P/E ÷ 3-yr EPS CAGR) 1.82
54th
 0.96
27th
 0.08
0th
Price / sales 2.5x
47th
 2.1x
21st
 3.7x
85th
Price / book 1.4x
70th
 1.4x
71st
 5.3x
100th
Price / tangible book 2.1x
88th
 1.9x
81st
 5.4x
100th
Price / free cash flow n/a n/a n/a
Price / operating cash flow n/a n/a n/a
Enterprise value n/a n/a n/a
EV / sales n/a n/a n/a
EV / EBITDA n/a n/a n/a
EV / EBIT n/a n/a n/a
EV / free cash flow n/a n/a n/a
Earnings yield 8.8%
58th
 8.9%
61st
 5.1%
9th
FCF yield n/a n/a n/a
Operating cash flow yield n/a n/a n/a
Graham number (per share) $259.47
98th
 $71.62
72nd
 $6.69
1st

Profitability (TTM)

12 measures
MeasurePNCUSBNU
Gross margin n/a n/a n/a
EBITDA margin n/a n/a n/a
Operating margin 26.7%
57th
 23.9%
45th
 22.8%
39th
EBIT margin 26.7%
55th
 23.3%
39th
 22.9%
37th
Net margin 21.7%
49th
 18.7%
25th
 18.8%
26th
NOPAT margin 21.8%
60th
 19.2%
47th
 18.8%
44th
FCF margin n/a n/a n/a
Operating cash flow margin n/a n/a n/a
R&D / revenue 0.0%
0th
 0.0%
0th
 0.0%
0th
SG&A / revenue 28.7%
57th
 32.0%
71st
 5.1%
1st
Stock comp / revenue 0.0%
0th
 0.0%
0th
 1.8%
91st
Effective tax rate 18.2%
18th
 19.7%
31st
 17.6%
14th

Returns on capital

11 measures
MeasurePNCUSBNU
ROE (on average equity) 12.5%
70th
 12.7%
71st
 31.6%
100th
ROA 1.3%
60th
 1.2%
41st
 5.0%
100th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 1.6%
60th
 1.4%
49th
 6.0%
99th
Cash ROIC (OCF / invested capital) n/a n/a n/a
Gross profitability (GP / assets) n/a n/a n/a
ROIC, 3-yr average n/a n/a n/a
ROIC, 5-yr average n/a n/a n/a
ROE, 5-yr average 11.5%
63rd
 11.5%
64th
 14.3%
82nd
Incremental ROIC n/a n/a n/a

Growth

17 measures
MeasurePNCUSBNU
Revenue growth (TTM YoY) 3.9%
50th
 3.3%
47th
 54.9%
97th
Revenue growth (QoQ) 4.4%
68th
 0.8%
42nd
 10.8%
82nd
Revenue CAGR, 3 yr 6.9%
29th
 7.8%
33rd
 47.8%
100th
Revenue CAGR, 5 yr 14.5%
53rd
 12.7%
44th
 —
Gross profit CAGR, 3 yr n/a n/a n/a
Operating income CAGR, 3 yr 6.7%
58th
 12.8%
78th
 132.0%
100th
Net income growth (TTM YoY) 22.9%
50th
 18.4%
40th
 56.8%
78th
Net income CAGR, 3 yr 6.5%
49th
 12.1%
70th
 260.7%
100th
EPS growth (TTM YoY) 20.8%
49th
 18.8%
46th
 56.7%
82nd
EPS CAGR, 3 yr 6.3%
60th
 11.6%
82nd
 259.2%
100th
EPS CAGR, 5 yr -5.0%
9th
 1.2%
24th
 —
FCF growth (TTM YoY) n/a n/a n/a
FCF CAGR, 3 yr n/a n/a n/a
Operating cash flow CAGR, 3 yr n/a n/a n/a
Book value CAGR, 3 yr 8.8%
45th
 7.8%
38th
 32.3%
100th
Dividend CAGR, 3 yr 1.5%
52nd
 0.3%
42nd
 —
Sustainable growth rate 7.5%
46th
 7.2%
41st
 31.6%
100th

Margin history & stability

7 measures
MeasurePNCUSBNU
Gross margin, 3-yr average n/a n/a n/a
Operating margin, 3-yr average 22.9%
54th
 20.1%
34th
 23.9%
60th
Net margin, 3-yr average 18.6%
54th
 15.8%
23rd
 17.7%
47th
FCF margin, 3-yr average n/a n/a n/a
Revenue stability (0-1) 0.91
53rd
 0.90
50th
 0.96
77th
Earnings stability (0-1) 0.14
32nd
 0.04
19th
 0.96
98th
Margin stability (0-1) 0.78
30th
 0.79
34th
 0.94
96th

Liquidity (latest quarter)

7 measures
MeasurePNCUSBNU
Cash & short-term investments n/a n/a n/a
Net cash (− = net debt) n/a n/a n/a
Working capital n/a n/a n/a
Current ratio n/a n/a n/a
Quick ratio n/a n/a n/a
Cash ratio (cash + ST investments / current liabilities) n/a n/a n/a
Defensive interval (days) n/a n/a n/a

Leverage & solvency (latest quarter)

13 measures
MeasurePNCUSBNU
Total debt n/a n/a n/a
Debt / equity n/a n/a n/a
Net debt / equity n/a n/a n/a
Debt / assets n/a n/a n/a
Debt / capital n/a n/a n/a
Debt / EBITDA n/a n/a n/a
Net debt / EBITDA n/a n/a n/a
Interest coverage (EBIT / interest) n/a n/a n/a
Cash interest coverage n/a n/a n/a
Debt payback (years of OCF) n/a n/a n/a
Liabilities / assets 89.6%
73rd
 90.6%
85th
 84.0%
3rd
IS credit model rating BBB A A-
Implied credit spread (bps) 275
75th
 150
42nd
 175
51st

Efficiency

11 measures
MeasurePNCUSBNU
Asset turnover n/a n/a n/a
Fixed asset turnover n/a n/a n/a
Inventory turnover n/a n/a n/a
Receivables turnover n/a n/a n/a
Days sales outstanding n/a n/a n/a
Days inventory outstanding n/a n/a n/a
Days payables outstanding n/a n/a n/a
Cash conversion cycle (days) n/a n/a n/a
Capex / revenue n/a n/a n/a
Capex / depreciation n/a n/a n/a
Operating expense ratio n/a n/a n/a

Cash flow & earnings quality

7 measures
MeasurePNCUSBNU
Operating cash flow / net income n/a n/a n/a
FCF / net income n/a n/a n/a
FCF / operating cash flow n/a n/a n/a
Capex / operating cash flow n/a n/a n/a
Accruals ratio n/a n/a n/a
Sloan accruals ratio n/a n/a n/a
Earnings quality score (0-1) n/a n/a n/a

Dividends & buybacks

9 measures
MeasurePNCUSBNU
Dividend yield 3.4%
74th
 3.6%
79th
 0.0%
0th
Dividend per share (TTM) $7.40
98th
 $2.10
88th
 $0.00
0th
Payout ratio (dividends / net income) 40.0%
73rd
 43.4%
77th
 0.0%
0th
Dividends / FCF n/a n/a n/a
Dividend growth (YoY) 3.4%
38th
 2.6%
32nd
 —
Buyback yield 2.5%
67th
 0.8%
45th
 0.7%
44th
Shareholder yield (dividends + buybacks) 6.0%
68th
 4.6%
55th
 0.7%
6th
Share count change (YoY) 1.8%
65th
 -0.3%
42nd
 0.1%
50th
Buybacks, last 5 years $8.5B
99th
 $2.7B
96th
 $500.4M
80th

Scores & forensic checks

15 measures
MeasurePNCUSBNU
IS score 51
41st
 59
70th
 19
3rd
IS profitability 67
64th
 62
51st
 67
69th
IS growth 58
58th
 55
48th
 79
100th
IS value 72
25th
 83
61st
 45
2nd
IS momentum 77
49th
 83
66th
 22
4th
IS risk (safety) 65
37th
 65
37th
 100
94th
IS quality 63
25th
 76
52nd
 7
3rd
IS balance sheet 21
5th
 39
24th
 37
22nd
IS earnings quality 92
64th
 99
91st
 18
0th
IS cash flow 66
32nd
 83
77th
 8
0th
Piotroski F-score (0-9) 4
2nd
 8
82nd
 4
2nd
Altman Z-score — — —
Beneish M-score — — —
Ohlson O-score −5.20
46th
 −7.09
0th
 −5.78
21st
IS credit score 59
24th
 70
50th
 68
44th

Per share

7 measures
MeasurePNCUSBNU
EPS, diluted (TTM) $18.88
98th
 $5.26
73rd
 $0.74
5th
Book value per share $158.46
98th
 $43.36
72nd
 $2.70
0th
Tangible book per share $112.33
98th
 $31.03
62nd
 $2.49
0th
Revenue per share $87.07
98th
 $28.13
84th
 $3.92
2nd
FCF per share n/a n/a n/a
Operating cash flow per share n/a n/a n/a
Cash per share n/a n/a n/a

Size (TTM)

8 measures
MeasurePNCUSBNU
Market cap $86.7B
100th
 $91.5B
100th
 $70.3B
99th
Revenue $35.2B
100th
 $43.7B
100th
 $19.2B
99th
EBITDA $9.7B
100th
 $11.0B
100th
 $4.5B
99th
Net income $7.6B
100th
 $8.2B
100th
 $3.6B
99th
Free cash flow n/a n/a n/a
Total assets $616.0B
100th
 $725.9B
100th
 $82.8B
91st
Shareholders' equity $64.0B
99th
 $67.4B
100th
 $13.2B
93rd
Employees 53,859
100th
 68,520
100th
 8,037
91st

Price performance

9 measures
MeasurePNCUSBNU
1 day +1.1% +2.3% −1.1%
1 week +0.1% +2.9% −9.7%
1 month −6.3% −1.6% +5.2%
3 months −13.1% −7.0% +4.1%
6 months −3.3% +3.1% −5.1%
Year to date +3.6% +8.9% −14.4%
1 year +19.2% +26.4% −4.1%
3 years, cumulative +93.3% +97.6% +85.7%
5 years, cumulative +25.8% +13.0% —

Technicals

4 measures
MeasurePNCUSBNU
RSI 14 35.3 51.2 49.6
From 52-week high −16.1% −11.1% −23.3%
From 52-week low +22.9% +30.4% +30.0%
Beta 0.93 0.97 0.95
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms