PNC vs TFC Stock Comparison: AI Score, Valuation, Performance and Upside
PNC Financial and Truist Financial are both large U.S. regional banks, but PNC operates a more geographically diversified footprint with a larger corporate and institutional banking presence, while Truist concentrates on the Southeast and continues integrating its BB&T-SunTrust merger with a notable insurance brokerage business.
PNC offers a diversified regional banking franchise with corporate and institutional banking fee income, while Truist offers concentrated Southeast exposure and merger synergy potential alongside its insurance brokerage business. Consider whether you prefer PNC's diversification or Truist's regional growth exposure and merger integration progress.
PNC holds the edge across 3 of 5 key metrics in this comparison. PNC has delivered stronger 1-year price return (+25.54% vs +11.74%), though TFC has the better forward P/E setup (10.11x vs 11.34x for PNC). On fundamentals, PNC is growing revenue faster (23.60%), while TFC maintains the higher operating margin (39.81%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for PNC (+14.66%) than for TFC (+9.78%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want exposure to a diversified regional bank spanning multiple U.S. markets
- Believe corporate and institutional banking provides useful fee income diversification
- Value a long history of disciplined expense management
- Are comfortable with commercial real estate credit quality as an ongoing watch item
- Want concentrated exposure to Southeast U.S. regional banking growth
- Believe continued merger synergy realization will support improving efficiency
- Value the insurance brokerage business as a differentiated fee income stream
- Are comfortable with regional concentration risk tied to Southeast economic conditions
| Metric | PNC | TFC |
|---|---|---|
| AI scorei | 54.1 | 42.4 |
| AI ranki | #292 | #954 |
| Latest closei | $229.41 | $49.41 |
| 1M returni | +3.79% | +6.37% |
| 3M returni | -9.73% | -6.17% |
| 6M returni | +3.51% | -1.08% |
| 1Y returni | +25.54% | +11.74% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | PNC | TFC |
|---|---|---|
| 1Y ago | $12.54K (+25.4%) started 2025-11-04 | $11.3K (+13.0%) started 2025-11-04 |
| 5Y ago | $14.64K (+46.4%) started 2021-11-04 | $11.46K (+14.6%) started 2021-11-04 |
| 10Y ago | $44.29K (+342.9%) started 2016-11-04 | $28.02K (+180.2%) started 2016-11-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | PNC | TFC |
|---|---|---|
| Market capi | $96.63B | $61.61B |
| Trailing P/Ei | 13.33 | 11.59 |
| Forward P/Ei | 11.34 | 10.11 |
| Price/Salesi | 3.36 | 4.62 |
| EV/Revenuei | 7.28 | 4.72 |
| Analyst targeti | $277.73 | $55.36 |
| Target upsidei | +14.66% | +9.78% |
| Metric | PNC | TFC |
|---|---|---|
| Revenue growthi | 23.60% | 8.20% |
| Earnings growthi | 24.90% | 36.70% |
| EPS growthi | +24.90% | +36.70% |
| FCF margini | N/A | N/A |
| Operating margini | 38.69% | 39.81% |
| Profit margini | 31.37% | 30.69% |
| ROIC proxyi | 12.62% | 9.06% |
| Return on equityi | 12.62% | 9.06% |
| Dividend yieldi | 3.30% | 4.14% |
| Payout ratioi | 37.44% | 53.61% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 0.90 | 0.87 |
| Debt/equityi | N/A | N/A |
| Current ratioi | N/A | N/A |
| Quick ratioi | N/A | N/A |
Over the past year, PNC and TFC have moved strongly in the same direction (correlation of 0.85), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | PNC | TFC |
|---|---|---|---|
| 1Y | Growthi | +25.39% | +12.99% |
| CAGRi | +25.45% | +13.02% | |
| Volatilityi | 21.15% | 23.34% | |
| Sharpe ratioi | 0.98 | 0.46 | |
| Sortino ratioi | 1.40 | 0.61 | |
| Max drawdowni | 17.21% | 21.47% | |
| Current drawdowni | 10.72% | 11.47% | |
| Avg drawdowni | 6.08% | 8.82% | |
| Ulcer Indexi | 8.19% | 10.70% | |
| Max daily dropi | 5.24% | 6.16% | |
| Max wkly dropi | 8.85% | 8.48% | |
| 5Y | Growthi | +26.57% | -6.61% |
| CAGRi | +4.83% | -1.36% | |
| Volatilityi | 26.83% | 31.61% | |
| Sharpe ratioi | 0.14 | -0.03 | |
| Sortino ratioi | 0.20 | -0.04 | |
| Max drawdowni | 47.98% | 59.11% | |
| Current drawdowni | 10.72% | 12.33% | |
| Avg drawdowni | 19.31% | 26.95% | |
| Ulcer Indexi | 23.38% | 30.30% | |
| Max daily dropi | 8.88% | 16.99% | |
| Max wkly dropi | 14.82% | 30.13% | |
| 10Y | Growthi | +220.72% | +83.80% |
| CAGRi | +12.36% | +6.28% | |
| Volatilityi | 29.68% | 33.67% | |
| Sharpe ratioi | 0.39 | 0.22 | |
| Sortino ratioi | 0.56 | 0.31 | |
| Max drawdowni | 49.58% | 59.11% | |
| Current drawdowni | 10.72% | 12.33% | |
| Avg drawdowni | 15.24% | 18.47% | |
| Ulcer Indexi | 19.85% | 23.76% | |
| Max daily dropi | 15.90% | 19.10% | |
| Max wkly dropi | 25.55% | 30.70% |
| Category | PNC | TFC |
|---|---|---|
| Company | The PNC Financial Services Group, Inc. | Truist Financial Corporation |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | A diversified regional bank holding company providing retail banking, corporate and institutional banking, and asset management services across a broad U.S. footprint. | A regional bank holding company formed through the merger of BB&T and SunTrust, providing retail, commercial, and wealth management banking services primarily across the southeastern United States. |
| Investor focus | Net interest income trends, fee income growth across corporate and institutional banking, and expense discipline relative to revenue growth. | Progress on realizing merger-related cost synergies, net interest margin trends, and fee income growth across its insurance and wealth management businesses. |
- Diversified footprint spans multiple U.S. regions beyond any single concentrated market
- Corporate and institutional banking business provides fee income diversification beyond traditional retail banking
- Long history of disciplined expense management supports consistent operating efficiency
- Concentrated Southeast footprint benefits from generally favorable regional population and business growth trends
- Insurance brokerage business provides a differentiated, diversified fee income stream relative to many regional bank peers
- Merger of BB&T and SunTrust created a larger scale platform with the potential for continued efficiency gains
- Net interest income is sensitive to interest rate movements and deposit competition
- Commercial real estate exposure requires ongoing credit quality monitoring in a higher rate environment
- Faces competition from both larger national banks and other regional banking peers
- Continued realization of merger synergies and systems integration requires ongoing execution
- Regional concentration in the Southeast means local economic conditions have an outsized effect on results
- Net interest margin is sensitive to interest rate movements and deposit competition
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