PNC Financial Services
PNC · Diversified Banks
$224.46
0.5%U.S. Bancorp
USB · Diversified Banks
$59.58
0.7%The short version
- U.S. Bancorp is the larger business, with $28.7B of revenue in fiscal 2025 against $23.1B for PNC Financial Services.
- PNC Financial Services grew revenue faster (7.2%, against 4.4%).
- Investors pay more for each dollar of PNC Financial Services’s earnings: a P/E of 12.4x against 11.9x for U.S. Bancorp.
| Latest fiscal year | PNC · FY25 | USB · FY25 |
|---|---|---|
| Size | ||
| Market cap | $88.9B | $92.8B |
| Revenue | $23.1B | $28.7B |
| Free cash flow | — | — |
| Net income | $7.0B | $7.6B |
| Growth | ||
| Revenue growth | 7.2% | 4.4% |
| 5-year growth | 6.5% | 4.3% |
| Share count change | −1.0% | −0.2% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 30.3% | 26.4% |
| FCF margin | — | — |
| Return on capital | — | — |
| Return on equity | 12.2% | 12.2% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $4.0B | $3.7B |
| Valuation & quality | ||
| P/E | 12.4x | 11.9x |
| Piotroski F-score | — | — |
FY16
PNC $15.2B
USB $21.3B
FY17
PNC $16.3B
USB $21.9B
FY18
PNC $16.2B
USB $22.6B
FY19
PNC $16.8B
USB $22.9B
FY20
PNC $16.9B
USB $23.2B
FY21
PNC $19.2B
USB $22.7B
FY22
PNC $21.1B
USB $24.3B
FY23
PNC $21.5B
USB $28.1B
FY24
PNC $21.6B
USB $27.5B
FY25
PNC $23.1B
USB $28.7B
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