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USB vs PNC vs NU

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

USB   PNC   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
MeasureUSBPNCNU
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 +91 +113 −41
ETFs adding shares, 30d 1,547 1,227 468
ETFs trimming, 30d 1,204 1,048 263
Net ETF funds, 30d +343 +179 +205

Valuation

16 measures
MeasureUSBPNCNU
P/E (TTM) 11.2x
40th
 11.4x
43rd
 19.5x
93rd
PEG (P/E ÷ 3-yr EPS CAGR) 0.96
27th
 1.82
54th
 0.08
0th
Price / sales 2.1x
21st
 2.5x
47th
 3.7x
85th
Price / book 1.4x
71st
 1.4x
70th
 5.3x
100th
Price / tangible book 1.9x
81st
 2.1x
88th
 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 8.9%
61st
 8.8%
58th
 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) $71.62
72nd
 $259.47
98th
 $6.69
1st

Profitability (TTM)

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

Returns on capital

11 measures
MeasureUSBPNCNU
ROE (on average equity) 12.7%
71st
 12.5%
70th
 31.6%
100th
ROA 1.2%
41st
 1.3%
60th
 5.0%
100th
ROIC n/a n/a n/a
ROCE n/a n/a n/a
Return on tangible assets 1.4%
49th
 1.6%
60th
 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%
64th
 11.5%
63rd
 14.3%
82nd
Incremental ROIC n/a n/a n/a

Growth

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

Margin history & stability

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

Liquidity (latest quarter)

7 measures
MeasureUSBPNCNU
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
MeasureUSBPNCNU
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 90.6%
85th
 89.6%
73rd
 84.0%
3rd
IS credit model rating A BBB A-
Implied credit spread (bps) 150
42nd
 275
75th
 175
51st

Efficiency

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

Scores & forensic checks

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

Per share

7 measures
MeasureUSBPNCNU
EPS, diluted (TTM) $5.26
73rd
 $18.88
98th
 $0.74
5th
Book value per share $43.36
72nd
 $158.46
98th
 $2.70
0th
Tangible book per share $31.03
62nd
 $112.33
98th
 $2.49
0th
Revenue per share $28.13
84th
 $87.07
98th
 $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
MeasureUSBPNCNU
Market cap $91.5B
100th
 $86.7B
100th
 $70.3B
99th
Revenue $43.7B
100th
 $35.2B
100th
 $19.2B
99th
EBITDA $11.0B
100th
 $9.7B
100th
 $4.5B
99th
Net income $8.2B
100th
 $7.6B
100th
 $3.6B
99th
Free cash flow n/a n/a n/a
Total assets $725.9B
100th
 $616.0B
100th
 $82.8B
91st
Shareholders' equity $67.4B
100th
 $64.0B
99th
 $13.2B
93rd
Employees 68,520
100th
 53,859
100th
 8,037
91st

Price performance

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

Technicals

4 measures
MeasureUSBPNCNU
RSI 14 51.2 35.3 49.6
From 52-week high −11.1% −16.1% −23.3%
From 52-week low +30.4% +22.9% +30.0%
Beta 0.97 0.93 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