HomeComparePNC vs TEF

PNC vs TEF: Dividend Comparison 2026

PNC yields 3.32% · TEF yields 9.19%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 PNC wins by $133.9K in total portfolio value· pulled ahead in Year 2
10 years
PNC
PNC
● Live price
3.32%
Share price
$201.66
Annual div
$6.70
5Y div CAGR
44.4%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$155.8K
Annual income
$62,283.88
Full PNC calculator →
TEF
TEF
● Live price
9.19%
Share price
$3.81
Annual div
$0.35
5Y div CAGR
-41.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$21.9K
Annual income
$4.56
Full TEF calculator →

Portfolio growth — PNC vs TEF

📍 PNC pulled ahead of the other in Year 2

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodPNCTEF
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, PNC + TEF cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
PNC pays
TEF pays
Both pay
Neither
💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

PNC
Annual income on $10K today (after 15% tax)
$282.41/yr
After 10yr DRIP, annual income (after tax)
$52,941.30/yr
TEF
Annual income on $10K today (after 15% tax)
$780.84/yr
After 10yr DRIP, annual income (after tax)
$3.88/yr
At 15% tax rate, PNC beats the other by $52,937.42/year in after-tax income after 10 years on $10,000
⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of PNC + TEF for your $10,000?

PNC: 50%TEF: 50%
100% TEF50/50100% PNC
Portfolio after 10yr
$88.9K
Annual income
$31,144.22/yr
Blended yield
35.04%
📊

Analyst Conviction Gap

Where Wall Street is most bullish on PNC right now

PNC
Analyst Ratings
22
Buy
22
Hold
2
Sell
Consensus: Buy
Price Target
$244.44
+21.2% upside vs current
Range: $206.00 — $284.00
Altman Z
0.2
Piotroski
8/9
TEF
Analyst Ratings
8
Buy
7
Hold
5
Sell
Consensus: Buy
Altman Z
0.7
Piotroski
3/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

PNC buys
0
TEF buys
0
No recent congressional trades found for PNC or TEF in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricPNCTEF
Forward yield3.32%9.19%
Annual dividend / share$6.70$0.35
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR44.4%-41.8%
Portfolio after 10y$155.8K$21.9K
Annual income after 10y$62,283.88$4.56
Total dividends collected$125.2K$1.3K
Payment frequencyquarterlyquarterly
SectorFinancialsStock
Analyst consensusBuyBuy

Year-by-year: PNC vs TEF ($10,000, DRIP)

YearPNC PortfolioPNC Income/yrTEF PortfolioTEF Income/yrGap
1$11,180$479.76$11,235$534.65$55.00TEF
2← crossover$12,686$723.83$12,348$326.71+$338.00PNC
3$14,683$1,108.46$13,407$195.31+$1.3KPNC
4$17,442$1,731.32$14,461$115.35+$3.0KPNC
5$21,438$2,775.53$15,541$67.68+$5.9KPNC
6$27,543$4,603.92$16,669$39.56+$10.9KPNC
7$37,453$7,982.36$17,859$23.08+$19.6KPNC
8$54,723$14,648.56$19,122$13.45+$35.6KPNC
9$87,439$28,884.39$20,469$7.83+$67.0KPNC
10$155,843$62,283.88$21,906$4.56+$133.9KPNC

PNC vs TEF: Complete Analysis 2026

PNCFinancials

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.

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TEFStock

Telefónica, S.A., together with its subsidiaries, provides telecommunications services in Europe and Latin America. The company's mobile and related services and products comprise mobile voice, value added, mobile data and Internet, wholesale, corporate, roaming, fixed wireless, and trunking and paging services. Its fixed telecommunication services include PSTN lines; ISDN accesses; public telephone services; local, domestic, and international long-distance and fixed-to-mobile communications; corporate communications; supplementary value-added services; video telephony; intelligent network; and telephony information services, as well as leases and sells handset equipment. The company also provides Internet and broadband multimedia services comprising Internet service provider, portal and network, retail and wholesale broadband access, narrowband switched access, high-speed Internet through fibre to the home, and voice over Internet protocol services. In addition, it offers leased line, virtual private network, fibre optics, web hosting and application, outsourcing and consultancy, desktop, and system integration and professional services. Further, the company offers wholesale services for telecommunication operators, including domestic interconnection and international wholesale services; leased lines for other operators; and local loop leasing services, as well as bit stream services, wholesale line rental accesses, and leased ducts for other operators' fiber deployment. Additionally, it provides video/TV services; smart connectivity and services, and consumer IoT products; financial and other payment, security, cloud computing, advertising, big data, and digital telco experience services; virtual assistants; digital home platforms; and Movistar Home devices. It also offers online telemedicine, home insurance, music streaming, and consumer loan services. The company was incorporated in 1924 and is headquartered in Madrid, Spain.

Full TEF Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.