Mechanical performance of PEM fuel cells under combined loadings is one of critical issues in improving cell performance and reliability. In this study, thermal and mechanical performance of the PEM fuel cell under clamping force and temperature load are investigated by experiments and three-dimensional dynamic simulations. In experiments, pressure distributions between gas diffusion layer and flow field are measured by pressure sensitive films. The experimental results show that the local pressure increases with clamping load, and pressure distribution is much uneven in the midstream. Meanwhile, a three-dimensional model of the cell combined transient heat transfer and mechanical response of components is developed, which is validated by experimental data. The modeling results show that under combined loadings, the porosity of gas diffusion layer under the rib decreases, attributed to compressive deformation caused by thermal gradient and clamping pressure, leading to higher effective thermal conductivity and electrical conductivity. When at a higher temperature, the overall stresses of gas diffusion layer decrease and the minimum stress is located under the center rib, forming a concave stress distribution pattern. Distribution and variation patterns of local deformations and stresses for the membrane are similar to those of gas diffusion layer, but the maximum stress and deformation are much lower. A dimensional stress coefficient is proposed to determine the stress distribution uniformity under the rib. With the increase of clamping torque, dimensionless stress coefficients under lower ambient temperature change slightly. As temperature increases, dimensionless stress coefficients increase significantly and decrease with the clamping torque, indicating the decreasing role of temperature load on mechanical response of the cell.