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PNC vs USB
Which Stock Would AI Choose? PNC Financial Services Group (PNC) vs. U.S. Bancorp (USB) Stock Comparison
Key Takeaways
- Both PNC and USB beat Q1 2026 earnings per share (EPS, a measure of profitability per share) estimates, with PNC reporting adjusted EPS of $4.32 and USB at $1.18.
- PNC delivered 13% year-over-year revenue growth to $6.19 billion, outpacing USB's 4.7% rise to $7.29 billion.
- PNC's year-to-date return of 10.4% exceeds USB's 7.9%, reflecting stronger recent momentum.
- Market caps are closely matched at approximately $91.6 billion for PNC and $88.6 billion for USB.
- Both expanded net interest margins (NIM, the difference between interest income and expense), with PNC benefiting from its FirstBank acquisition.
- PNC raised full-year 2026 guidance for loans and net interest income (NII, revenue from interest-bearing assets minus interest paid), signaling optimism.
Introduction
As two leading regional banks, PNC Financial Services Group and U.S. Bancorp offer investors exposure to diversified banking operations amid evolving interest rates and economic conditions. This stock comparison analyzes their recent performance, financial health, and market positioning, aiding traders seeking relative value in the sector and long-term investors evaluating stability versus growth potential. With both delivering solid Q1 2026 results, understanding their contrasts in momentum, strategies, and risks is key for informed decisions in today's market environment.
PNC Overview and Recent Performance
PNC Financial Services Group, headquartered in Pittsburgh, provides retail and commercial banking, asset management, and corporate services across the U.S. In recent market activity, its stock has gained traction, trading around $227 with a year-to-date rise of 10.4%. The Q1 2026 earnings highlighted robust revenue growth to $6.19 billion, up 13% year-over-year, fueled by the FirstBank acquisition that drove 7% loan expansion and deposit increases. Net interest income rose 6% quarter-over-quarter, while the company raised 2026 guidance, boosting sentiment. Credit quality remained stable with low net charge-offs (NCOs, losses from bad loans), though integration costs tempered some gains. Analysts maintain positive ratings, with price targets averaging $253.
USB Overview and Recent Performance
U.S. Bancorp, based in Minneapolis, operates a broad network offering consumer banking, payments, and wealth management services nationwide. Recently, USB shares hovered near $57, posting a 7.9% year-to-date gain amid steady performance. Q1 2026 results showed revenue of $7.29 billion, up 4.7% year-over-year, with EPS of $1.18 surpassing estimates. Growth stemmed from balanced NII and fee income advances, alongside efficiency improvements that lifted return on tangible common equity (ROTCE, a profitability measure adjusted for tangible assets). Loan and deposit balances grew modestly, supported by consumer trends, while NCOs ticked up slightly due to seasonal credit card factors. The stock reflects resilience, with analyst targets around $63 signaling moderate upside.
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Head-to-Head Comparison
Both PNC and USB operate as large regional banks with exposure to commercial real estate, consumer lending, and payments, but differ in growth drivers. PNC leans on mergers and acquisitions (M&A, corporate buyouts) like FirstBank for rapid loan expansion, contrasting USB's organic focus on fee-based services and deposit stability. Recent momentum favors PNC with higher YTD returns and NIM expansion to 2.84%, versus USB's 2.77%. Valuation-wise, PNC's P/E of 13.2 trails USB's 11.95, suggesting relative value in USB. Risks include interest rate sensitivity and non-bank lending exposure, with PNC showing stronger sentiment from raised guidance.
Tickeron AI Verdict
Tickeron's AI currently leans toward PNC due to its superior revenue momentum, acquisition-driven loan growth, and upward guidance revisions, positioning it better for trend consistency in recent weeks. While USB offers attractive valuation and steady execution, PNC's catalysts suggest higher probability of near-term outperformance amid favorable banking trends.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is PNC is a Hold and USB is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
PNC’s FA Score shows that 1 FA rating(s) are green whileUSB’s FA Score has 1 green FA rating(s).
- PNC’s FA Score: 1 green, 4 red.
- USB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
PNC’s TA Score shows that 6 TA indicator(s) are bullish while USB’s TA Score has 6 bullish TA indicator(s).
- PNC’s TA Score: 6 bullish, 4 bearish.
- USB’s TA Score: 6 bullish, 4 bearish.
Price Growth
PNC (@Regional Banks) experienced а -2.66% price change this week, while USB (@Regional Banks) price change was -3.42% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.14%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +16.32%.
Reported Earning Dates
PNC is expected to report earnings on Jul 15, 2026.
USB is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Regional Banks (-1.14% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| PNC | USB | PNC / USB | |
| Capitalization | 85.7B | 82.9B | 103% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 3.838 | 1.146 | 335% |
| P/E Ratio | 12.40 | 11.20 | 111% |
| Revenue | 23.8B | 28.9B | 82% |
| Total Cash | 6.78B | N/A | - |
| Total Debt | 66.7B | 79.2B | 84% |
PNC | USB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 74 | 68 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 74 Overvalued | 71 Overvalued | |
PROFIT vs RISK RATING 1..100 | 59 | 81 | |
SMR RATING 1..100 | 5 | 4 | |
PRICE GROWTH RATING 1..100 | 54 | 55 | |
P/E GROWTH RATING 1..100 | 51 | 48 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
USB's Valuation (71) in the Major Banks industry is in the same range as PNC (74). This means that USB’s stock grew similarly to PNC’s over the last 12 months.
PNC's Profit vs Risk Rating (59) in the Major Banks industry is in the same range as USB (81). This means that PNC’s stock grew similarly to USB’s over the last 12 months.
USB's SMR Rating (4) in the Major Banks industry is in the same range as PNC (5). This means that USB’s stock grew similarly to PNC’s over the last 12 months.
PNC's Price Growth Rating (54) in the Major Banks industry is in the same range as USB (55). This means that PNC’s stock grew similarly to USB’s over the last 12 months.
USB's P/E Growth Rating (48) in the Major Banks industry is in the same range as PNC (51). This means that USB’s stock grew similarly to PNC’s over the last 12 months.
| PNC | USB | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 69% | 2 days ago 71% |
| Stochastic ODDS (%) | 2 days ago 67% | 2 days ago 80% |
| Momentum ODDS (%) | 2 days ago 47% | 2 days ago 63% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 49% |
| TrendWeek ODDS (%) | 2 days ago 61% | 2 days ago 58% |
| TrendMonth ODDS (%) | 2 days ago 60% | 2 days ago 59% |
| Advances ODDS (%) | 10 days ago 55% | 10 days ago 57% |
| Declines ODDS (%) | 5 days ago 61% | 3 days ago 59% |
| BollingerBands ODDS (%) | 2 days ago 57% | 2 days ago 55% |
| Aroon ODDS (%) | 2 days ago 53% | 2 days ago 50% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| UYG | 78.49 | 0.73 | +0.94% |
| ProShares Ultra Financials | |||
| FAB | 96.23 | 0.40 | +0.42% |
| First Trust Multi Cap Val AlphaDEX® ETF | |||
| QMMY | 26.05 | 0.02 | +0.06% |
| FT Vest Nasdaq-100 Mod Buffr ETF - May | |||
| DFIC | 38.01 | -0.08 | -0.20% |
| Dimensional International Core Eq 2 ETF | |||
| RITA | 20.77 | -0.10 | -0.48% |
| ETFB Green SRI REITs ETF | |||
USB and
Correlation & Price change
A.I.dvisor indicates that over the last year, USB has been closely correlated with PNC. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if USB jumps, then PNC could also see price increases.