Overview Dividends

(PNC) PNC Financial - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US6934751057

Loans, Deposits, Cards, Investment, Advisory

Regional Banks
Market Cap in USD: 82,320m

IPO / Inception: 1988-09-07
Return 12m vs S&P 500: -2.51%

EPS (Earnings per Share)

EPS CAGR: 11.83%
EPS Trend: 20.1%

Last SUE: 1.10
Qual. Beats: 2

Revenue

Rev. CAGR: 14.92%
Rev. Trend: 86.1%

Last SUE: 0.76
Qual. Beats: 0

Dividends

Dividend Yield	3.14%
Yield on Cost 5y	5.47%
Yield CAGR 5y	8.18%
Payout Consistency	94.0%
Payout Ratio	42.6%

Risk via 5d forecast
Volatility	23.5%
Value at Risk 5%th	36.5%
Relative Tail Risk	-5.62%

Reward TTM
Sharpe Ratio	0.47
Alpha	-3.67
CAGR/Max DD	0.47

Character TTM
Hurst Exponent	0.696
Beta	0.928
Beta Downside	1.140

Drawdowns 3y
Max DD	32.48%
Mean DD	11.53%
Median DD	7.98%

Description: PNC PNC Financial December 03, 2025

PNC Financial Services Group Inc. (NYSE:PNC) is a diversified U.S. financial institution operating through three core segments: Retail Banking, which serves consumers and small businesses with deposit accounts, loans, credit cards, and brokerage services; Corporate & Institutional Banking, which offers a full suite of financing, cash-management, and advisory solutions to mid-size and large corporates, governments, and nonprofits; and the Asset Management Group, which provides investment, wealth-management, and fiduciary services to high-net-worth individuals and institutional clients. Founded in 1865 and headquartered in Pittsburgh, the firm maintains a nationwide branch network complemented by digital and phone channels.

Key metrics as of the latest quarter include total assets of roughly $560 billion, a net interest margin of about 3.1%, and a deposit growth rate of 4-5% year-over-year, reflecting strong consumer demand for savings amid a higher-for-longer rate environment. PNC’s loan portfolio is weighted toward commercial real estate and small-business lending, sectors that are sensitive to regional economic cycles and interest-rate volatility. The regional-bank sector is currently driven by consolidation pressures, digital-banking adoption, and the Fed’s policy stance, all of which shape PNC’s earnings outlook.

For a deeper quantitative view, you might explore PNC’s metrics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (6.53b TTM) > 0 and > 6% of Revenue (6% = 2.03b TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA -0.98pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -963.2% (prev -1084 %; Δ 120.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 5.43b <= Net Income 6.53b (YES >=105%, WARN >=100%)

Net Debt (23.47b) to EBITDA (8.32b) ratio: 2.82 <= 3.0 (WARN <= 3.5)

Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (396.0m) change vs 12m ago -1.0% (target <= -2.0% for YES)

Gross Margin 64.49% (prev 58.66%; Δ 5.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.96% (prev 5.95%; Δ 0.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.20 (EBITDA TTM 8.32b / Interest Expense TTM 11.22b) >= 6 (WARN >= 3)

Altman Z'' -3.25

(A) -0.57 = (Total Current Assets 107.17b - Total Current Liabilities 432.75b) / Total Assets 568.77b

(B) 0.11 = Retained Earnings (Balance) 62.01b / Total Assets 568.77b

(D) 0.12 = Book Value of Equity 60.65b / Total Liabilities 509.73b

Total Rating: -3.25 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 59.57

1. Piotroski 3.50pt

2. FCF Yield 14.47%

3. FCF Margin 16.05%

4. Debt/Equity 1.06

5. Debt/Ebitda 2.82

6. ROIC - WACC (= -5.46)%

7. RoE 11.48%

8. Rev. Trend 86.07%

9. EPS Trend 20.12%

What is the price of PNC shares?

As of December 22, 2025, the stock is trading at USD 210.20 with a total of 4,273,608 shares traded.
Over the past week, the price has changed by -0.33%, over one month by +12.41%, over three months by +4.45% and over the past year by +12.89%.

Is PNC a buy, sell or hold?

PNC Financial has received a consensus analysts rating of 3.96. Therefore, it is recommended to buy PNC.

Strong Buy: 11
Buy: 3
Hold: 7
Sell: 1
Strong Sell: 1

What are the forecasts/targets for the PNC price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	224	6.6%
Analysts Target Price	224	6.6%
ValueRay Target Price	228.7	8.8%

PNC Fundamental Data Overview December 20, 2025

Market Cap USD = 82.32b (82.32b USD * 1.0 USD.USD)
P/E Trailing = 13.5336
P/E Forward = 11.9048
P/S = 3.7763
P/B = 1.398
P/EG = 2.2888
Beta = 1.013
Revenue TTM = 33.80b USD
EBIT TTM = 2.22b USD
EBITDA TTM = 8.32b USD
Long Term Debt = 62.34b USD (from longTermDebt, last quarter)
Short Term Debt = 16.06b USD (from shortTermDebt, last quarter)
Debt = 62.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 23.47b USD (from netDebt column, last quarter)
Enterprise Value = 37.50b USD (82.32b + Debt 62.34b - CCE 107.17b)
Interest Coverage Ratio = 0.20 (Ebit TTM 2.22b / Interest Expense TTM 11.22b)
FCF Yield = 14.47% (FCF TTM 5.43b / Enterprise Value 37.50b)
FCF Margin = 16.05% (FCF TTM 5.43b / Revenue TTM 33.80b)
Net Margin = 19.31% (Net Income TTM 6.53b / Revenue TTM 33.80b)
Gross Margin = 64.49% ((Revenue TTM 33.80b - Cost of Revenue TTM 12.00b) / Revenue TTM)
Gross Margin QoQ = 65.36% (prev 64.55%)
Tobins Q-Ratio = 0.07 (Enterprise Value 37.50b / Total Assets 568.77b)
Interest Expense / Debt = 4.62% (Interest Expense 2.88b / Debt 62.34b)
Taxrate = 20.33% (465.0m / 2.29b)
NOPAT = 1.77b (EBIT 2.22b * (1 - 20.33%))
Current Ratio = 0.25 (Total Current Assets 107.17b / Total Current Liabilities 432.75b)
Debt / Equity = 1.06 (Debt 62.34b / totalStockholderEquity, last quarter 58.99b)
Debt / EBITDA = 2.82 (Net Debt 23.47b / EBITDA 8.32b)
Debt / FCF = 4.33 (Net Debt 23.47b / FCF TTM 5.43b)
Total Stockholder Equity = 56.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.15% (Net Income 6.53b / Total Assets 568.77b)
RoE = 11.48% (Net Income TTM 6.53b / Total Stockholder Equity 56.86b)
RoCE = 1.86% (EBIT 2.22b / Capital Employed (Equity 56.86b + L.T.Debt 62.34b))
RoIC = 1.50% (NOPAT 1.77b / Invested Capital 118.15b)
WACC = 6.96% (E(82.32b)/V(144.66b) * Re(9.44%) + D(62.34b)/V(144.66b) * Rd(4.62%) * (1-Tc(0.20)))
Discount Rate = 9.44% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.63%
[DCF Debug] Terminal Value 72.88% ; FCFE base≈7.63b ; Y1≈7.43b ; Y5≈7.48b
Fair Price DCF = 266.5 (DCF Value 104.52b / Shares Outstanding 392.2m; 5y FCF grow -3.72% → 3.0% )
EPS Correlation: 20.12 | EPS CAGR: 11.83% | SUE: 1.10 | # QB: 2
Revenue Correlation: 86.07 | Revenue CAGR: 14.92% | SUE: 0.76 | # QB: 0
EPS next Quarter (2026-03-31): EPS=4.01 | Chg30d=+0.013 | Revisions Net=+1 | Analysts=12
EPS next Year (2026-12-31): EPS=17.66 | Chg30d=+0.035 | Revisions Net=+0 | Growth EPS=+11.3% | Growth Revenue=+7.9%

Additional Sources for PNC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle