Pnc Financial Services Group vs Us Bancorp \de\ (PNC vs USB)
Side by side from their SEC filings: revenue, margins, growth, returns and valuation, plus short interest, insider activity and institutional ownership.
Us Bancorp \de\ is the larger company by revenue ($28.5B vs $23.1B). Pnc Financial Services Group carries the larger market value ($101.5B vs $97.1B). Us Bancorp \de\ has grown revenue faster over the last 4 fiscal years (+25.6% cumulative vs +20.2%). Us Bancorp \de\ trades at the lower trailing P/E (13.1x vs 14.7x).
About Pnc Financial Services Group
PNC Financial Services Group, Inc. is a diversified financial services holding company based in Pittsburgh, Pennsylvania. It offers retail banking, corporate and institutional banking, and asset management services across the United States through its primary bank subsidiary, PNC Bank, and various non-banking subsidiaries. PNC serves individual consumers, corporations, government entities, and institutional clients with products including lending, deposit accounts, wealth management, and specialized financial services.
About Us Bancorp \de\
U.S. Bancorp is a financial services holding company headquartered in Minneapolis, Minnesota. It provides a wide range of financial services including lending, depository services, cash management, capital markets, trust and investment management, credit card services, merchant and ATM processing, mortgage banking, insurance, brokerage, and leasing. The company serves individuals, businesses, institutional organizations, governmental entities, and other financial institutions primarily in the United States.
Head to head (PNC FY2025 vs USB FY2025)
| Metric | PNCFY2025 | USBFY2025 |
|---|---|---|
| Revenue | $23.10B | $28.54B |
| Revenue growth (YoY) | 7.2% | 4.4% |
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 30.3% | 26.5% |
| Net income | $7.00B | $7.57B |
| Diluted EPS | $16.59 | $4.62 |
| FCF margin | — | — |
| ROE | 11.5% | 11.5% |
| Debt / equity | 0.9× | — |
| Market cap | $101.54B | $97.11B |
| P/E (TTM) | 14.7× | 13.1× |
Fundamentals are from each company’s SEC filings (PNC FY2025, USB FY2025). P/E and market cap are derived from recent market prices and update daily.
Five-year trend (as reported)
| Revenue | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| PNC | $19.21B | $21.12B | $21.49B | $21.55B | $23.10B |
| USB | $22.72B | $24.18B | $28.01B | $27.34B | $28.54B |
Peer standing
Where each company ranks among the 76 banks, on the same scale. Each figure is ranked only against peers that report it. Percentiles describe position in the distribution, not a rating.
| Metric | PNC | USB |
|---|---|---|
| Net margin | 30.3%75th percentile of 76 | 26.5%45th percentile of 76 |
| Revenue growth (YoY) | +7.2%31st percentile of 76 | +4.4%12th percentile of 76 |
| ROE | 11.5%72nd percentile of 76 | 11.5%71st percentile of 76 |
| P/E (TTM) | 14.7×69th percentile of 76 | 13.1×53rd percentile of 76 |
| Short interest (days to cover) | 2.80d38th percentile of 75 | 2.07d8th percentile of 75 |
Short interest
| FINRA settlement data | PNC | USB |
|---|---|---|
| Shares sold short | 7.7M | 23.7M |
| Change vs prior settlement | -2.0% | -13.3% |
| Days to cover | 2.80 | 2.07 |
| As of settlement | 2026-06-30 | 2026-06-30 |
Source: FINRA Consolidated Short Interest. FINRA is the owner and source of the FINRA-supplied data; republishing or redistributing it is not permitted. Not presented as a percentage of float. No FINRA endorsement of this product is implied.
Insider activity (last 90 days)
| Form 4 open-market activity | PNC | USB |
|---|---|---|
| Buys | 0 | 0 |
| Sells | 6 ($11.0M) | 2 ($4.2M) |
Open-market purchases and sales reported on SEC Form 4 (grants, exercises and tax withholding excluded). For context, about 16% of covered companies saw any open-market insider buy in a 90-day window.
Held by the same investors
8 tracked 13F managers hold both Pnc Financial Services Group and Us Bancorp \de\ as of their latest quarterly filings: AQR Capital Management, Bridgewater Associates, Citadel Advisors, D. E. Shaw, Gotham Asset Management, Millennium Management, Point72 Asset Management, Two Sigma Investments. See which superinvestors hold your own portfolio with the smart money checker.
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Data sourced from SEC EDGAR (public domain). Figures are as-reported and may be unaudited or restated; verify against the source filings before relying on them. Comparisons are descriptive (higher or lower on a reported figure), not a rating or a recommendation. Informational only. Not investment advice.