PNC vs TFC Comparison: AI Score, Valuation, Performance and Upside
Compare PNC Financial and Truist Financial by net interest margin, fee income diversification, credit quality, Southeast vs Midwest exposure, and dividend sustainability.
Use this PNC Financial vs Truist Financial comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
PNC holds the edge across 3 of 5 key metrics in this comparison. PNC has delivered stronger 1-year price return (+27.96% vs +13.81%), though TFC has the better forward P/E setup (10.42x vs 11.86x 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 (+9.34%) than for TFC (+5.08%).
| Metric | PNC | TFC |
|---|---|---|
| AI score | 53.1 | 41.8 |
| AI rank | #327 | #967 |
| Latest close | $250.99 | $51.76 |
| 1M return | +4.61% | +3.96% |
| 6M return | +14.40% | +4.42% |
| 1Y return | +27.96% | +13.81% |
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 | $12.8K (+28.0%) started 2025-07-25 | $11.34K (+13.4%) started 2025-07-25 |
| 5Y ago | $18.27K (+82.7%) started 2021-07-26 | $14.19K (+41.9%) started 2021-07-26 |
| 10Y ago | $56.21K (+462.1%) started 2016-07-25 | $31.11K (+211.1%) started 2016-07-25 |
Hypothetical — past performance does not guarantee future results.
| Metric | PNC | TFC |
|---|---|---|
| Market cap | $100.89B | $64.14B |
| Trailing P/E | 13.92 | 12.07 |
| Forward P/E | 11.86 | 10.42 |
| Price/Sales | 3.36 | 4.62 |
| EV/Revenue | 7.41 | 4.75 |
| Analyst target | $276.48 | $55.17 |
| Target upside | +9.34% | +5.08% |
| Metric | PNC | TFC |
|---|---|---|
| Revenue growth | 23.60% | 8.20% |
| Earnings growth | 25.10% | 36.70% |
| EPS growth | +25.10% | +36.70% |
| FCF margin | N/A | N/A |
| Operating margin | 38.69% | 39.81% |
| Profit margin | 31.37% | 30.69% |
| ROIC proxy | 12.62% | 9.06% |
| Return on equity | 12.62% | 9.06% |
| Dividend yield | 3.16% | 3.96% |
| Beta | 0.90 | 0.88 |
| Debt/equity | N/A | N/A |
| Current ratio | N/A | N/A |
| Quick ratio | N/A | N/A |
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 | Growth | +28.02% | +13.38% |
| CAGR | +28.12% | +13.43% | |
| Sharpe ratio | 1.04 | 0.46 | |
| Max drawdown | 17.21% | 21.47% | |
| Max daily drop | 5.24% | 6.16% | |
| Max wkly drop | 8.85% | 8.48% | |
| 5Y | Growth | +56.86% | +14.55% |
| CAGR | +9.43% | +2.76% | |
| Sharpe ratio | 0.30 | 0.10 | |
| Max drawdown | 47.98% | 59.11% | |
| Max daily drop | 8.88% | 16.99% | |
| Max wkly drop | 14.82% | 30.13% | |
| 10Y | Growth | +303.76% | +101.77% |
| CAGR | +14.98% | +7.27% | |
| Sharpe ratio | 0.47 | 0.24 | |
| Max drawdown | 49.58% | 59.11% | |
| Max daily drop | 15.90% | 19.10% | |
| Max wkly drop | 25.55% | 30.70% |
| Category | PNC | TFC |
|---|---|---|
| Company | PNC | TFC |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
| Core business | N/A | N/A |
| Investor focus | N/A | N/A |
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