Head-to-head · Stock vs Stock
U.S. Bancorp vs The PNC Financial Services Group
vs
Stock·NYSE
The PNC Financial Services Group, Inc. PNC
$231.30
▲ 0.00%
70 / 100 AI score
USB vs PNC: the verdict
How USB and PNC compare today, and what CleaRank Financial AI makes of it.
The verdict
CleaRank Financial AI favours
USB
USB
PNC
73/100
AI score
70/100
+27.7%
1-year change
+25.0%
24.5%
Volatility (30d, yearly)
23.0%
56.1
RSI (14-day)
55.9
11.6x
P/E ratio
12.3x
3.46%
Dividend yield
3.20%
The verdict
U.S. Bancorp (USB) comes out ahead on CleaRank's model, scoring 73/100 (Buy) against 70/100 (Buy) for The PNC Financial Services Group (PNC). The widest gap is the trend: for USB, the price is 4.32% above its 200-day average and 1.93% above its 50-day average, and the 50-day average is 2.35% above the 200-day.
Outlook
USB's uptrend holds while it stays above its 50-day average at $59.60 and its 200-day at $58.23. PNC's uptrend holds while it stays above its 50-day average at $228.24 and its 200-day at $229.28.
Price, side by side
Both prices start at 0% on the first day of the period you pick, so the moves compare directly.
Rebased price
-2%0%+2%+4%+6%+6.4%+5.5%
Nov '26
-15%-10%-5%0%-5.5%-9%
Sep '26Oct '26Nov '26
-5%0%+5%+10%+15%+20%+12%+7.5%
Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
0%+10%+20%+30%+40%+28%+25%
Dec '25Feb '26Apr '26Jul '26Sep '26Nov '26
-20%0%+20%+40%+31%+25%
Oct '24Mar '25Aug '25Jan '26Jun '26Nov '26
Over 1 year: USB gained 27.7% and PNC gained 25.0%, a gap of 2.7 points in USB's favour.
Valuation and profitability
What each costs relative to its earnings and sales, and how much of its revenue it keeps.
Side by side
Valuation
Lower multiples mean you pay less for each dollar of earnings or sales.
USB
PNC
$94.7B
Market cap
$91.8B
11.6x
P/E ratio
12.3x
3.4x
Price / sales
3.7x
1.6x
Price / book
1.6x
Profitability
How much of each dollar of revenue becomes profit, and how hard the capital works.
USB
PNC
+10.2%
Revenue growth (quarter, y/y)
+10.9%
28.7%
Net margin
30.2%
12.8%
Return on equity
13.1%
1.2%
Return on assets
1.3%
0.00
Debt / equity
0.00
On valuation
PNC trades on the higher trailing P/E, 12.32 against 11.57 for USB. Both P/Es are at a discount to peers, against a Financial Services median of 16.5. On sales, PNC is valued higher, at 3.68 times against 3.41. USB is the larger company, worth $94.7B against $91.8B.
On profitability
Year on year, latest-quarter revenue rose 10.19% at USB and 10.90% at PNC. On dividends, USB yields 3.46% on a trailing basis, while PNC yields 3.20%.
Earnings reality check
USB
USB beat the estimate in 8 of its last 8 reports (latest Oct '26); the shares fell in the first session after 1 of those beats.
Surprise
Next session
Apr '25Oct '25Apr '26Oct '26
PNC
PNC beat the estimate in 7 of its last 7 reports (latest Oct '26); the shares fell in the first session after 3 of those beats.
Surprise
Next session
Jan '25Jul '25Apr '26Oct '26
Momentum and sentiment
The indicators behind each AI score, side by side.
Indicators side by side
USB
PNC
73/100
AI score
70/100
56.1
RSI (14-day)
55.9
+1.9%
Price against 50-day average
+1.3%
+4.3%
Price against 200-day average
+0.9%
Technicals
USB is in an uptrend, trading 1.93% above its 50-day average and 4.32% above its 200-day average. Its 14-day RSI is 56.1, in the neutral zone, with the MACD line positive. PNC is in an uptrend, trading 1.34% above its 50-day average and 0.88% above its 200-day average. Its 14-day RSI is 55.9, in the neutral zone, with the MACD line positive. USB sits higher in its 52-week range, at 75% against 66% for PNC.
Sentiment
Of the 24 analysts covering USB, 16 rate it buy, 8 hold and 0 sell; their median target is $68.50, 12.8% above the price. Of the 23 analysts covering PNC, 16 rate it buy, 7 hold and 0 sell; their median target is $265.00, 14.6% above the price.
Risk and practical tips
How much each moves, how much return each has paid for that risk, and what to watch if you hold either.
Risk measures
USB
PNC
24.5%
Volatility (30d, yearly)
23.0%
1.03
Beta against the S&P 500
0.91
0.44
Sharpe ratio
0.37
Risk
They move about the same on a typical day, 1.36% for USB and 1.23% for PNC. Against the S&P 500, USB has a beta of 1.03 and PNC 0.91. Their worst falls in the price history were 52.0% for USB (December 2019 to March 2020) and 49.5% for PNC (January 2020 to March 2020). USB moves more with the S&P 500; on the other measures we track the two are close.
ProTips
- For USB, watch the 52-week high at $66.08 above the price and the 20-day EMA at $59.71 below it.
- For PNC, watch the 52-week high at $258.96 above the price and the 200-day SMA at $229.28 below it.
USB vs PNC: long-term scenarios
Simulated paths from each price history. A range of outcomes, not a forecast.
Simulated growth of $10,000
$10K$20K$30K$40K$50K$60K$58K$47.6K$18.5K$14.8K
202620282030203220342035
USB
PNC
$4,583
Downside, 2035 (10th)
$5,881
$14,770
Base case, 2035 (median)
$18,466
$47,599
Upside, 2035 (90th)
$57,980
In the median simulated path, $10,000 in USB grows to about $14,800 and $10,000 in PNC grows to about $18,500 by 2035. The paths come from each asset's own volatility and capped historical trend; they are statistical outcomes, not forecasts. PNC's upside column reaches an extreme multiple of the starting amount; treat it as a statistical tail, not a likely outcome.
USB vs PNC: questions people ask
Answered from the figures on this page.
Frequently Asked Questions
Which is better, USB or PNC?+
On CleaRank's model USB scores higher, 73/100 (Buy) against 70/100 (Buy) for PNC. This describes the data on this page and is not a personal recommendation.
Which has performed better over the past year, USB or PNC?+
USB has done better: its price rose 27.68% over the past year, while PNC rose 24.97%.
Which is cheaper on earnings, USB or PNC?+
USB has the lower trailing P/E, at 11.57 compared with 12.32 for PNC.
Which pays more income, USB or PNC?+
USB offers the higher yield at 3.46%, compared with 3.20% for PNC. Yield is the payout divided by the price, so it moves whenever either of those moves.
Which is riskier, USB or PNC?+
USB moves more with the S&P 500; on the other measures we track the two are close. Average daily move: 1.36% for USB, 1.23% for PNC. Beta against the S&P 500: 1.03 for USB, 0.91 for PNC. Worst fall in the price history: 52.0% for USB, 49.5% for PNC.
Which has stronger momentum right now, USB or PNC?+
USB's 14-day RSI is higher, at 56.1 (neutral), against 55.9 (neutral) for PNC. The MACD line is positive for both. Readings above 70 or below 30 are where momentum is considered stretched.
Which is the bigger company, USB or PNC?+
USB is the larger of the two, valued at $94.7B in the market against $91.8B for PNC.
What do analysts say about USB and PNC?+
Of 24 analysts covering USB, 16 rate it buy, and the median target sits 12.8% above the price. For PNC, 16 of 23 analysts rate it buy, with a median target 14.6% above the price.
How would $10,000 have grown in USB or PNC?+
Invested in December 2016, $10,000 would be worth $17,402 today in USB and $28,498 in PNC.