Is PNC or USB cheaper?

On trailing earnings, USB is cheaper: PNC trades at a 13.81 P/E and USB at 12.38.

Which has grown faster, PNC or USB?

Over the past five years, PNC grew revenue faster — PNC at a 12.91% CAGR versus USB at 12.25%.

Does PNC or USB pay a bigger dividend?

PNC yields 2.86% and USB yields 3.50% based on trailing dividends and the latest price.

Is PNC or USB more profitable?

PNC runs the higher net margin — PNC at 22.51% versus USB at 18.02%.

Which has been the better investment, PNC or USB?

Over the past 10-year, PNC delivered the higher annualized total return — PNC at 14.24% versus USB at 7.29%. Past performance doesn't predict future results.

The PNC Financial Services Group, Inc. (PNC) vs U.S. Bancorp (USB)

USB leads on 10 of 17 compared metrics.

A side-by-side comparison of The PNC Financial Services Group, Inc. and U.S. Bancorp across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 13, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

PNC

The PNC Financial Services Group, Inc.

$95.44B

$237.66Financial Services

USB

U.S. Bancorp

$91.49B

$58.94Financial Services

Total return — PNC vs USB

growth of $100 · last 30y

PNC +679.2%USB +683.8%USB compounded faster

PNC USB

PNC vs USB: by the numbers

•PNC is the larger company ($95.44B vs $91.49B market cap).
•USB trades at the lower earnings multiple (12.38 vs 13.81 P/E).
•PNC converts more revenue to profit (22.51% vs 18.02% net margin).
•PNC grew revenue faster over the past five years (12.91% vs 12.25% CAGR).
•USB pays the higher dividend yield (3.50% vs 2.86%).

Which is better, PNC or USB?

Metric tally: PNC 7 · USB 10

It depends on what you're optimizing for:

ValueUSB(lower P/E)

GrowthPNC(faster 5Y revenue CAGR)

IncomeUSB(higher dividend yield)

QualityPNC(higher ROIC)

Valuation

Metric	PNC	USB
P/E ratio	13.81	12.38●
Forward P/E	12.88	11.56●
P/S ratio	3.05	2.11●
P/B ratio	1.54	1.39●
PEG ratio	0.57	0.50●
EV / EBITDA	15.03	11.85●
FCF yield	6.98%	10.47%●

Profitability

Metric	PNC	USB
Gross margin	71.88%●	62.81%
Operating margin	27.54%●	23.18%
Net margin	22.51%●	18.02%
ROE	11.34%	11.87%●
ROIC	5.27%●	4.46%

Dividends

Metric	PNC	USB
Dividend yield	2.86%	3.50%●
Payout ratio	40.91%	44.59%

Growth (annualized)

Metric	PNC	USB
Revenue CAGR (5Y)	12.91%●	12.25%
EPS CAGR (5Y)	21.18%●	8.59%
FCF CAGR (5Y)	2.14%	33.08%●
Total return CAGR (5Y)	8.55%●	4.33%

Frequently asked

Which is better, PNC or USB?: It depends on your goal. value: USB (lower P/E); growth: PNC (faster 5Y revenue CAGR); income: USB (higher dividend yield); quality: PNC (higher ROIC). Across all compared metrics, USB leads 10 to 7.
Is PNC or USB cheaper?: On trailing earnings, USB is cheaper: PNC trades at a 13.81 P/E and USB at 12.38.
Which has grown faster, PNC or USB?: Over the past five years, PNC grew revenue faster — PNC at a 12.91% CAGR versus USB at 12.25%.
Does PNC or USB pay a bigger dividend?: PNC yields 2.86% and USB yields 3.50% based on trailing dividends and the latest price.
Is PNC or USB more profitable?: PNC runs the higher net margin — PNC at 22.51% versus USB at 18.02%.
Which has been the better investment, PNC or USB?: Over the past 10-year, PNC delivered the higher annualized total return — PNC at 14.24% versus USB at 7.29%. Past performance doesn't predict future results.

Go deeper

Full PNC analysis Full USB analysis Interactive comparison tool

PNC & USB appear in these rankings

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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified June 13, 2026.