COMP <GO>
PNC vs BAC // RETURN ON INVESTED CAPITAL (ROIC)
PNC Financial Services Group Inc. (The) (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: PNC 5
— BAC 7
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: BAC
LAST: $227.86 (-1.71%) • MKT CAP: $92.49B
roic
1.20%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PNC VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PNC | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 1.20% | 2.50% | -1.30 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | 58.3x | 30.2x | +28.10 | BAC | /valuation <GO> |
| Free Cash Flow Yield | 3.62% | 2.10% | +1.52 | PNC | /fcf-yield <GO> |
| Operating Margin | 13.90% | 32.90% | -19.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 27.00% | -16.10 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 7.20% | 6.80% | +0.40 | PNC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.85% | 0.00% | +2.85 | PNC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 0.45 | 0.45 | 0.00 | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.50% | 6.60% | -0.10 | PNC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.2 | 27.7 | +26.57 | PNC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.89 | 0.90 | -0.01 | BAC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 34.2x | 10.9x | +23.30 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $92.49B | $357.61B | -$265.12B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PNC REV | BAC REV | PNC GROSS % | BAC GROSS % | PNC FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $23.10B | $113.10B | 44.0% | 44.0% | $3.34B | $7.52B |
| FY 2024 | $21.55B | $105.86B | 44.0% | 44.0% | $6.91B | -$13.57B |
| FY 2023 | $21.49B | $102.77B | 44.0% | 44.0% | $9.14B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PNC // BETA 0.89
BAC // BETA 0.90