COMP <GO>
USB vs PNC // EV/EBITDA & P/E VALUATION
U.S. Bancorp (NYSE) VS. PNC Financial Services Group Inc. (NYSE) • 15-METRIC TALLY: USB 10
— PNC 2
▲ EV/EBITDA & P/E VALUATION LEADER: USB
LAST: $59.45 (-1.96%) • MKT CAP: $94.48B
valuation
26.6x
LAST: $227.86 (-1.71%) • MKT CAP: $92.49B
valuation
58.3x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (USB VS. PNC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | USB | PNC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.00% | 1.20% | +1.80 | USB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 26.6x | 58.3x | -31.70 | USB | /valuation <GO> |
| Free Cash Flow Yield | 7.07% | 3.62% | +3.45 | USB | /fcf-yield <GO> |
| Operating Margin | 32.20% | 13.90% | +18.30 | USB | /operating-margins <GO> |
| Net Profit Margin | 26.40% | 10.90% | +15.50 | USB | /net-margins <GO> |
| Revenue Growth (YoY) | 4.40% | 7.20% | -2.80 | PNC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.35% | 2.85% | +0.50 | USB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | USB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 58.2 | 60.0 | -1.80 | PNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.89 | +0.07 | USB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.6x | 34.2x | -22.60 | USB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $94.48B | $92.49B | $1.99B | USB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | USB REV | PNC REV | USB GROSS % | PNC GROSS % | USB FCF | PNC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $28.66B | $23.10B | — | — | $6.68B | $3.34B |
| FY 2024 | $27.45B | $21.55B | — | — | $10.11B | $6.91B |
| FY 2023 | $28.14B | $21.49B | — | — | $7.13B | $9.14B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
USB // BETA 0.96
PNC // BETA 0.89