FNB vs. PNC
FNB (F.N.B. Corporation) and PNC (The PNC Financial Services Group, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, FNB returned 6.98%/yr vs 13.34%/yr for PNC. A 0.51 correlation means they provide meaningful diversification when combined.
Performance
FNB vs. PNC - Performance Comparison
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Returns By Period
In the year-to-date period, FNB achieves a 1.29% return, which is significantly lower than PNC's 10.47% return. Over the past 10 years, FNB has underperformed PNC with an annualized return of 6.98%, while PNC has yielded a comparatively higher 13.34% annualized return.
FNB
- 1D
- -1.78%
- 1M
- -2.23%
- YTD
- 1.29%
- 6M
- 2.37%
- 1Y
- 26.60%
- 3Y*
- 17.36%
- 5Y*
- 8.88%
- 10Y*
- 6.98%
PNC
- 1D
- 4.04%
- 1M
- 2.46%
- YTD
- 10.47%
- 6M
- 16.30%
- 1Y
- 34.23%
- 3Y*
- 27.38%
- 5Y*
- 7.03%
- 10Y*
- 13.34%
FNB vs. PNC - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FNB F.N.B. Corporation | 1.29% | 19.37% | 10.96% | 9.76% | 11.74% | 32.83% | -20.81% | 34.49% | -26.16% | -7.76% |
PNC The PNC Financial Services Group, Inc. | 10.47% | 12.24% | 29.39% | 2.71% | -18.59% | 38.18% | -2.78% | 40.91% | -16.98% | 25.95% |
Correlation
The correlation between FNB and PNC is 0.79, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.79 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.80 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.79 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.78 |
Correlation (All Time) Calculated using the full available price history since Mar 5, 1993 | 0.51 |
Over the past year, FNB and PNC have become more correlated (0.79) than their long-term average of 0.51, meaning their price movements have been converging.
Fundamentals
FNB:
$6.15B
PNC:
$93.36B
FNB:
$1.62
PNC:
$18.09
FNB:
10.54
PNC:
12.55
FNB:
1.60
PNC:
1.69
FNB:
2.28
PNC:
2.83
FNB:
0.90
PNC:
1.47
FNB:
$2.71B
PNC:
$32.06B
FNB:
$1.72B
PNC:
$23.04B
FNB:
$732.68M
PNC:
$8.83B
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Return for Risk
FNB vs. PNC — Risk / Return Rank
FNB
PNC
FNB vs. PNC - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for F.N.B. Corporation (FNB) and The PNC Financial Services Group, Inc. (PNC). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| FNB | PNC | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.53 | ||
| Sortino ratioReturn per unit of downside risk | -0.71 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.28 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 1.70 | 2.00 | -0.30 |
| Martin ratioReturn relative to average drawdown | 4.52 | 4.55 | -0.03 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| FNB | PNC | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.06 | 1.59 | -0.53 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.30 | 0.26 | +0.04 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.20 | 0.45 | -0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.17 | 0.30 | -0.13 |
Drawdowns
FNB vs. PNC - Drawdown Comparison
The maximum FNB drawdown since its inception was -69.60%, smaller than the maximum PNC drawdown of -76.65%. Use the drawdown chart below to compare losses from any high point for FNB and PNC.
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Drawdown Indicators
| FNB | PNC | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -69.60% | -76.65% | +7.05% |
Max Drawdown (1Y)Largest decline over 1 year | -15.74% | -17.21% | +1.47% |
Max Drawdown (3Y)Largest decline over 3 years | -32.59% | -29.77% | -2.82% |
Max Drawdown (5Y)Largest decline over 5 years | -32.59% | -47.98% | +15.39% |
Max Drawdown (10Y)Largest decline over 10 years | -60.11% | -49.58% | -10.53% |
Current DrawdownCurrent decline from peak | -8.46% | -5.63% | -2.83% |
Average DrawdownAverage peak-to-trough decline | -18.33% | -15.69% | -2.64% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.90% | 7.55% | -1.65% |
Volatility
FNB vs. PNC - Volatility Comparison
The current volatility for F.N.B. Corporation (FNB) is 6.00%, while The PNC Financial Services Group, Inc. (PNC) has a volatility of 6.94%. This indicates that FNB experiences smaller price fluctuations and is considered to be less risky than PNC based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FNB | PNC | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.00% | 6.94% | -0.94% |
Volatility (6M)Calculated over the trailing 6-month period | 17.51% | 16.65% | +0.86% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.35% | 21.64% | +3.71% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 29.34% | 27.14% | +2.20% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 35.43% | 29.70% | +5.73% |
Dividends
FNB vs. PNC - Dividend Comparison
FNB's dividend yield for the trailing twelve months is around 2.87%, less than PNC's 2.99% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
FNB F.N.B. Corporation | 2.87% | 2.81% | 3.25% | 3.49% | 3.68% | 3.96% | 5.05% | 3.78% | 4.88% | 6.75% | 2.99% | 3.60% |
PNC The PNC Financial Services Group, Inc. | 2.99% | 3.16% | 3.27% | 3.94% | 3.64% | 2.39% | 3.09% | 2.63% | 2.91% | 1.80% | 1.81% | 2.11% |
Financials
FNB vs. PNC - Financials Comparison
This section allows you to compare key financial metrics between F.N.B. Corporation and The PNC Financial Services Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FNB vs. PNC - Profitability Comparison
FNB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported a gross profit of 431.80M and revenue of 660.27M. Therefore, the gross margin over that period was 65.4%.
PNC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, The PNC Financial Services Group, Inc. reported a gross profit of 5.96B and revenue of 6.17B. Therefore, the gross margin over that period was 96.6%.
FNB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported an operating income of 173.94M and revenue of 660.27M, resulting in an operating margin of 26.3%.
PNC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, The PNC Financial Services Group, Inc. reported an operating income of 2.19B and revenue of 6.17B, resulting in an operating margin of 35.5%.
FNB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, F.N.B. Corporation reported a net income of 137.05M and revenue of 660.27M, resulting in a net margin of 20.8%.
PNC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, The PNC Financial Services Group, Inc. reported a net income of 1.77B and revenue of 6.17B, resulting in a net margin of 28.7%.
Frequently Asked Questions
FNB and PNC have a correlation of 0.79, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PNC has higher volatility (6.94%) compared to FNB (6.00%). In terms of maximum drawdown, FNB dropped -69.60% vs PNC's -76.65%.
PNC currently has the higher Sharpe Ratio (1.59 vs 1.06), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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