BAC vs PNC
Bank of America Corp. and PNC Financial Services Group, Inc., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | BAC | PNC |
|---|---|---|
| Revenue | $113.1B | $23.1B |
| Net income | $30.5B | $7.0B |
| Gross margin | · | · |
| Net margin | 27.0% | 30.3% |
| Return on equity | 10.2% | 12.2% |
| Diluted EPS | $3.81 | $16.59 |
| Dividend / share | $1.08 | $6.60 |
| Payout ratio | · | 37.7% |
| Free cash flow | · | · |
| Equity | $303.2B | $60.6B |
| Net debt / equity | 0.44× | 0.29× |
| Current ratio | · | · |
| Revenue CAGR 5y | 5.7% | 6.4% |
| Profit CAGR 5y | 11.3% | −1.5% |
BAC bills 4.9× the revenue of PNC, and PNC keeps more of each dollar of revenue as profit (30.3% against 27.0%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | BAC | PNC |
|---|---|---|
| FY2025 | $113.1B | $23.1B |
| FY2024 | $105.9B | $21.6B |
| FY2023 | $102.8B | $21.5B |
| FY2022 | $95.0B | $21.1B |
| FY2021 | $89.1B | $19.2B |
| FY2020 | $85.5B | $16.9B |
| FY2019 | $91.2B | $16.8B |
| FY2018 | $91.0B | $16.2B |
| FY2017 | $87.1B | $16.3B |
| FY2016 | $83.7B | $15.2B |
Bottom line
| Fiscal year | BAC | PNC |
|---|---|---|
| FY2025 | $30.5B | $7.0B |
| FY2024 | $27.0B | $6.0B |
| FY2023 | $26.3B | $5.6B |
| FY2022 | $27.5B | $6.1B |
| FY2021 | $32.0B | $5.7B |
| FY2020 | $17.9B | $7.6B |
| FY2019 | $27.4B | $5.4B |
| FY2018 | $28.1B | $5.3B |
| FY2017 | $18.2B | $5.4B |
| FY2016 | $17.8B | $4.0B |
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +$89,998,000,000 | BAC |
| FY2024 | +$84,301,000,000 | BAC |
| FY2023 | +$81,279,000,000 | BAC |
| FY2022 | +$73,830,000,000 | BAC |
| FY2021 | +$69,902,000,000 | BAC |
| FY2020 | +$68,627,000,000 | BAC |
| FY2019 | +$74,405,000,000 | BAC |
| FY2018 | +$74,830,000,000 | BAC |
| FY2017 | +$70,797,000,000 | BAC |
| FY2016 | +$68,539,000,000 | BAC |
| FY2015 | +$67,740,000,000 | BAC |
| FY2014 | +$70,519,000,000 | BAC |
| FY2013 | +$72,930,000,000 | BAC |
| FY2012 | +$67,822,000,000 | BAC |
| FY2011 | +$79,128,000,000 | BAC |
| FY2010 | +$95,044,000,000 | BAC |
| FY2009 | +$103,415,000,000 | BAC |
| FY2008 | +$66,486,000,000 | BAC |
| FY2007 | +$60,942,000,000 | BAC |
BAC has reported the higher revenue in every one of these 19 fiscal years. The gap has widened since the earliest year compared.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
19 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −3.3 pp | PNC |
| FY2024 | −2.1 pp | PNC |
| FY2023 | −0.7 pp | PNC |
| FY2022 | +0.0 pp | BAC |
| FY2021 | +6.1 pp | BAC |
| FY2020 | −23.8 pp | PNC |
| FY2019 | −2.1 pp | PNC |
| FY2018 | −2.1 pp | PNC |
| FY2017 | −12.1 pp | PNC |
| FY2016 | −5.0 pp | PNC |
| FY2015 | −8.0 pp | PNC |
| FY2014 | −20.9 pp | PNC |
| FY2013 | −13.5 pp | PNC |
| FY2012 | −14.3 pp | PNC |
| FY2011 | −19.9 pp | PNC |
| FY2010 | −24.4 pp | PNC |
| FY2009 | −9.6 pp | PNC |
| FY2008 | −9.0 pp | PNC |
| FY2007 | −2.9 pp | PNC |
The higher net margin has changed hands between BAC and PNC over this period.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BAC's net margin has been more volatile than PNC's over the 19 comparable fiscal years — 11.0 percentage points of standard deviation against 6.7.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between BAC and PNC over these 19 fiscal years — BAC led in 2 and PNC in 17.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BAC's return on equity has been more volatile than PNC's over the 19 comparable fiscal years — 3.8 percentage points of standard deviation against 2.1.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between BAC and PNC over these 19 fiscal years — BAC led in 2 and PNC in 17.
19 of 19 comparable fiscal years — a year missing data on either side is not counted.