Which has the lower trailing P/E, PNC or USB?

USB has the lower trailing P/E: PNC trades at 13.74 and USB at 12.70. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, PNC or USB?

Over the past five years, USB grew revenue faster — PNC at a 11.31% CAGR versus USB at 12.72%.

Does PNC or USB pay a bigger dividend?

PNC yields 2.72% and USB yields 3.28% based on trailing dividends and the latest price.

Is PNC or USB more profitable?

PNC runs the higher net margin — PNC at 24.97% versus USB at 18.69%.

How have PNC and USB total returns compared?

Over the past 10 years, PNC delivered 15.42% and USB delivered 8.10% annualized total return. Past performance doesn't predict future results.

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

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 July 28, 2026. Differences are shown without an overall score or investment verdict.

PNC

The PNC Financial Services Group, Inc.

$100.39B

$251.60Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT

USB

U.S. Bancorp

$100.36B

$64.43Financial ServicesDelayed quote: Jul 28, 2026, 4:00 PM EDT

Total return — PNC vs USB

growth of $100 · dividends reinvested · last 30y

PNC +2086.8%USB +1899.5%PNC compounded faster

PNC USB

PNC vs USB: by the numbers

•PNC is the larger company ($100.39B vs $100.36B market cap).
•USB trades at the lower trailing earnings multiple (12.70 vs 13.74 P/E), one valuation lens rather than an overall verdict.
•PNC converts more revenue to profit (24.97% vs 18.69% net margin).
•USB grew revenue faster over the past five years (12.72% vs 11.31% CAGR).
•USB pays the higher dividend yield (3.28% vs 2.72%).

Metrics side by side

Valuation

Metric	PNC	USB
P/E ratio	13.74	12.70
Forward P/E	13.15	12.17
P/S ratio	3.30	2.26
P/B ratio	1.58	1.46
PEG ratio	0.60	0.53

Profitability

Metric	PNC	USB
Gross margin	79.59%	63.78%
Operating margin	30.73%	23.95%
Net margin	24.97%	18.69%
ROE	11.92%	12.12%
ROIC	5.27%	4.46%

Dividends

Metric	PNC	USB
Dividend yield	2.72%	3.28%
Payout ratio	40.91%	45.02%

Growth (annualized)

Metric	PNC	USB
Revenue CAGR (5Y)	11.31%	12.72%
EPS CAGR (5Y)	21.18%	8.59%
Total return CAGR (5Y)	10.24%	7.03%

Frequently asked

Which has the lower trailing P/E, PNC or USB?: USB has the lower trailing P/E: PNC trades at 13.74 and USB at 12.70. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, PNC or USB?: Over the past five years, USB grew revenue faster — PNC at a 11.31% CAGR versus USB at 12.72%.
Does PNC or USB pay a bigger dividend?: PNC yields 2.72% and USB yields 3.28% based on trailing dividends and the latest price.
Is PNC or USB more profitable?: PNC runs the higher net margin — PNC at 24.97% versus USB at 18.69%.
How have PNC and USB total returns compared?: Over the past 10 years, PNC delivered 15.42% and USB delivered 8.10% annualized total return. Past performance doesn't predict future results.

Go deeper

Full PNC analysis Full USB analysis Interactive comparison tool

Dig into the metrics

PNC Financial Services P/E ratio U.S. Bancorp P/E ratio PNC Financial Services dividend yield U.S. Bancorp dividend yield PNC Financial Services ROE U.S. Bancorp ROE PNC Financial Services operating margin U.S. Bancorp operating margin PNC Financial Services revenue growth U.S. Bancorp revenue growth PNC Financial Services free cash flow U.S. Bancorp free cash flow

PNC Financial Services & U.S. Bancorp appear in these rankings

Highest Dividend Yield Stocks Highest Operating Margin Stocks Highest FCF Yield Stocks Highest 10-Year Total Return Stocks

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 July 28, 2026.