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PNC vs ZION
Which Stock Would AI Choose? PNC Financial Services Group (PNC) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- PNC boasts a larger market cap of approximately $86 billion compared to ZION's $8.5 billion, reflecting greater scale and diversification.
- Recent market activity shows both stocks experiencing short-term pullbacks, with PNC YTD up 3.24% and ZION near flat at 0.81%.
- ZION trades at a lower P/E ratio of 9.6 versus PNC's 12.9, suggesting relative value, while both offer similar dividend yields around 3%.
- Analysts assign Moderate Buy to PNC with a $252 average target and Hold to ZION at $64, indicating stronger consensus upside for PNC.
- Both banks reported solid recent quarterly results, with PNC showing 9% revenue growth and ZION NIM expansion.
- Regional banking pressures from interest rates affect both, but PNC's national footprint provides broader stability.
Introduction
This stock comparison examines PNC Financial Services Group and Zions Bancorporation (ZION), two regional banks navigating a dynamic market shaped by interest rate shifts and economic uncertainty. Both operate in retail and commercial banking but differ in scale and geography, with PNC offering nationwide services and ZION focusing on the Western U.S. Traders seeking relative performance insights and investors eyeing dividend payers or growth in financials will find this analysis relevant for assessing market positioning, recent momentum, and valuation trade-offs in the current environment.
PNC Overview and Recent Performance
The PNC Financial Services Group, headquartered in Pittsburgh, is a diversified bank providing retail, corporate, and wealth management services across the U.S. In recent quarters, PNC reported a 9% year-over-year revenue increase to $6.1 billion, beating expectations with EPS of $4.88, driven by higher net interest income and capital markets advisory revenue up 41%. Stock performance reflects resilience, with YTD gains of 3.24% and 22.83% over one year, outperforming the sector amid broader finance returns of 1.4% YTD. Sentiment has been supported by plans for $2 billion in branch expansion, strong dividend yield of 3.18%, and Moderate Buy analyst ratings. Recent weeks saw some pullback amid market volatility, influenced by rate cut expectations impacting net interest margins, yet relative stability persists due to diversified revenue streams.
ZION Overview and Recent Performance
Zions Bancorporation (ZION), based in Utah, delivers banking products through subsidiaries like Zions Bank and Amegy Bank, primarily in Western states. Recent quarterly results highlighted Q4 EPS of $1.76, up 31% year-over-year, fueled by net interest margin expansion and fee income growth. The stock has shown mixed momentum, with YTD return near flat at 0.81%, one-year up 12.5%, and recent three-month gains of about 4.5%, though facing short-term declines amid regional bank pressures. Key influences include executive changes in technology operations, a $75 million share buyback authorization, and awards for client service, bolstering sentiment. Like peers, performance reflects sensitivity to yield curve dynamics and loan growth outlook, with a dividend yield of 3.09% attracting income focus.
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Head-to-Head Comparison
PNC and ZION both anchor in regional banking but diverge in business models: PNC's national presence drives broader revenue diversification, including corporate services, versus ZION's Western footprint emphasizing community lending. Growth drivers for PNC include branch investments and M&A rebounds, while ZION eyes loan expansion and NIM stability. Recent momentum favors PNC with superior YTD and one-year returns, though ZION offers a valuation edge at lower P/E and price/book ratios. Risk factors are similar—interest rate sensitivity and commercial real estate exposure—but PNC's scale mitigates volatility (beta 0.97 vs. 0.82). Market sentiment leans positive for both, with comparable dividends, yet PNC's analyst upside appears stronger amid sector recovery.
Tickeron AI Verdict
Tickeron’s AI models currently favor PNC over ZION, citing greater trend consistency from recent revenue beats and outperformance versus finance peers, alongside higher analyst price target upside of about 18% versus 10%. PNC's scale and diversification provide relative stability amid rate uncertainties, with observable catalysts like expansion plans enhancing positioning. That said, ZION's attractive valuation introduces probabilistic value opportunities if regional dynamics improve.
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 ZION 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 2 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- PNC’s FA Score: 2 green, 3 red.
- ZION’s FA Score: 2 green, 3 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 5 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- PNC’s TA Score: 5 bullish, 4 bearish.
- ZION’s TA Score: 4 bullish, 4 bearish.
Price Growth
PNC (@Regional Banks) experienced а +0.21% price change this week, while ZION (@Regional Banks) price change was +0.50% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.10%. For the same industry, the average monthly price growth was +6.29%, and the average quarterly price growth was +10.68%.
Reported Earning Dates
PNC is expected to report earnings on Jul 15, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (-0.10% 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 | ZION | PNC / ZION | |
| Capitalization | 93.2B | 9.73B | 958% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 13.412 | 14.679 | 91% |
| P/E Ratio | 13.48 | 10.27 | 131% |
| Revenue | 23.8B | 3.44B | 692% |
| Total Cash | 6.78B | 683M | 992% |
| Total Debt | 66.7B | 1.96B | 3,398% |
PNC | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 33 | 31 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 56 Fair valued | 63 Fair valued | |
PROFIT vs RISK RATING 1..100 | 55 | 75 | |
SMR RATING 1..100 | 100 | 13 | |
PRICE GROWTH RATING 1..100 | 20 | 17 | |
P/E GROWTH RATING 1..100 | 43 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 85 |
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.
PNC's Valuation (56) in the Major Banks industry is in the same range as ZION (63) in the Regional Banks industry. This means that PNC’s stock grew similarly to ZION’s over the last 12 months.
PNC's Profit vs Risk Rating (55) in the Major Banks industry is in the same range as ZION (75) in the Regional Banks industry. This means that PNC’s stock grew similarly to ZION’s over the last 12 months.
ZION's SMR Rating (13) in the Regional Banks industry is significantly better than the same rating for PNC (100) in the Major Banks industry. This means that ZION’s stock grew significantly faster than PNC’s over the last 12 months.
ZION's Price Growth Rating (17) in the Regional Banks industry is in the same range as PNC (20) in the Major Banks industry. This means that ZION’s stock grew similarly to PNC’s over the last 12 months.
PNC's P/E Growth Rating (43) in the Major Banks industry is in the same range as ZION (45) in the Regional Banks industry. This means that PNC’s stock grew similarly to ZION’s over the last 12 months.
| PNC | ZION | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 57% | 1 day ago 65% |
| Stochastic ODDS (%) | 2 days ago 66% | 1 day ago 61% |
| Momentum ODDS (%) | 2 days ago 62% | 1 day ago 66% |
| MACD ODDS (%) | 2 days ago 55% | 1 day ago 78% |
| TrendWeek ODDS (%) | 2 days ago 56% | 1 day ago 64% |
| TrendMonth ODDS (%) | 2 days ago 52% | 1 day ago 64% |
| Advances ODDS (%) | 7 days ago 56% | 7 days ago 67% |
| Declines ODDS (%) | 22 days ago 61% | 1 day ago 68% |
| BollingerBands ODDS (%) | 2 days ago 67% | 1 day ago 63% |
| Aroon ODDS (%) | 2 days ago 45% | 1 day ago 63% |
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PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.