(PNC) PNC Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 86.175m USD | Total Return: 45.1% in 12m

Banking, Loans, Cards, Investments, Advisory
Total Rating 58
Safety 72
Buy Signal 0.77
Banks - Regional
Industry Rotation: +9.3
Market Cap: 86.2B
Avg Turnover: 508M USD
ATR: 2.47%
Peers RS (IBD): 49.4
Risk 5d forecast
Volatility23.5%
Rel. Tail Risk-6.80%
Reward TTM
Sharpe Ratio1.52
Alpha13.09
Character TTM
Beta1.008
Beta Downside1.472
Drawdowns 3y
Max DD29.77%
CAGR/Max DD0.86
EPS (Earnings per Share) EPS (Earnings per Share) of PNC over the last years for every Quarter: "2021-03": 4.1, "2021-06": 2.43, "2021-09": 3.75, "2021-12": 3.68, "2022-03": 3.29, "2022-06": 3.42, "2022-09": 3.78, "2022-12": 3.47, "2023-03": 3.98, "2023-06": 3.36, "2023-09": 3.6, "2023-12": 1.85, "2024-03": 3.36, "2024-06": 3.39, "2024-09": 3.77, "2024-12": 3.77, "2025-03": 3.51, "2025-06": 3.85, "2025-09": 4.35, "2025-12": 4.88,
EPS CAGR: 11.09%
EPS Trend: 26.1%
Last SUE: 2.32
Qual. Beats: 3
Revenue Revenue of PNC over the last years for every Quarter: 2021-03: 4327, 2021-06: 4787, 2021-09: 5316, 2021-12: 5221, 2022-03: 4692, 2022-06: 5346, 2022-09: 6207, 2022-12: 7172, 2023-03: 5603, 2023-06: 7727, 2023-09: 8018, 2023-12: 8472, 2024-03: 8382, 2024-06: 7937, 2024-09: 8843, 2024-12: 8532, 2025-03: 8101, 2025-06: 8376, 2025-09: 8794, 2025-12: 8720,
Rev. CAGR: 17.97%
Rev. Trend: 82.7%
Last SUE: 2.15
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: PNC PNC Financial

PNC Financial Services Group Inc. (NYSE: PNC) is a diversified U.S. financial services firm operating through three core segments: Retail Banking, which serves consumers and small businesses with deposit accounts, mortgages, credit cards and brokerage services; Corporate & Institutional Banking, which provides loan facilities, cash-management, underwriting and advisory solutions to mid-size and large enterprises; and the Asset Management Group, which delivers wealth-management, trust and institutional investment services to high-net-worth clients.

In its most recent quarter (Q4 2023), PNC reported net income of $1.23 billion, translating to earnings per share of $2.37, and a return on equity of 12.5%. The bank’s loan portfolio grew 5% year-over-year to $152 billion, while deposits rose 4% to $511 billion, supporting a net interest margin of 3.1%. Capital strength remains solid, with a Common Equity Tier 1 ratio of 13.2%, well above the regulatory minimum. The regional-bank sector continues to be shaped by the Federal Reserve’s policy rate, which sits at 5.25-5.50%, driving higher net interest income but also pressuring credit quality as loan growth moderates.

For a deeper dive into PNC’s valuation metrics and scenario analysis, you might want to explore the data on ValueRay.

Headlines to Watch Out For
  • Net interest income growth driven by rising rates
  • Loan portfolio expansion fuels revenue increase
  • Regulatory capital requirements impact dividend policy
  • Economic slowdown increases loan loss provisions
  • Deposit growth influences funding costs and lending capacity
Piotroski VR‑10 (Strict) 3.5
Net Income: 6.94b TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.38 > 1.0
NWC/Revenue: -257.7% < 20% (prev -1.08k%; Δ 823.8% < -1%)
CFO/TA 0.01 > 3% & CFO 5.91b > Net Income 6.94b
Net Debt (17.39b) to EBITDA (8.58b): 2.03 < 3
Current Ratio: 0.81 > 1.5 & < 3
Outstanding Shares: last quarter (394.0m) vs 12m ago -1.25% < -2%
Gross Margin: 65.66% > 18% (prev 0.59%; Δ 6.51k% > 0.5%)
Asset Turnover: 6.00% > 50% (prev 6.02%; Δ -0.02% > 0%)
Interest Coverage Ratio: 0.03 > 6 (EBITDA TTM 8.58b / Interest Expense TTM 10.90b)
Altman Z'' -0.51
A: -0.15 (Total Current Assets 368.72b - Total Current Liabilities 456.31b) / Total Assets 573.57b
B: 0.11 (Retained Earnings 63.27b / Total Assets 573.57b)
C: 0.00 (EBIT TTM 314.0m / Avg Total Assets 566.80b)
D: 0.12 (Book Value of Equity 62.58b / Total Liabilities 512.94b)
Altman-Z'' Score: -0.51 = B
What is the price of PNC shares? As of April 08, 2026, the stock is trading at USD 213.92 with a total of 3,941,188 shares traded.
Over the past week, the price has changed by +2.80%, over one month by +4.18%, over three months by -0.33% and over the past year by +45.11%.
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.
  • StrongBuy: 11
  • Buy: 3
  • Hold: 7
  • Sell: 1
  • StrongSell: 1
What are the forecasts/targets for the PNC price?
Analysts Target Price 247.9 15.9%
PNC Financial (PNC) - Fundamental Data Overview as of 08 April 2026
P/E Trailing = 12.8398
P/E Forward = 11.5741
P/S = 3.8609
P/B = 1.4095
P/EG = 2.2695
Revenue TTM = 33.99b USD
EBIT TTM = 314.0m USD
EBITDA TTM = 8.58b USD
Long Term Debt = 57.10b USD (from longTermDebt, last quarter)
Short Term Debt = 15.44b USD (from shortTermDebt, last quarter)
Debt = 57.10b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 17.39b USD (recalculated: Debt 57.10b - CCE 39.71b)
Enterprise Value = 103.56b USD (86.18b + Debt 57.10b - CCE 39.71b)
Interest Coverage Ratio = 0.03 (Ebit TTM 314.0m / Interest Expense TTM 10.90b)
EV/FCF = 17.52x (Enterprise Value 103.56b / FCF TTM 5.91b)
FCF Yield = 5.71% (FCF TTM 5.91b / Enterprise Value 103.56b)
FCF Margin = 17.39% (FCF TTM 5.91b / Revenue TTM 33.99b)
Net Margin = 20.41% (Net Income TTM 6.94b / Revenue TTM 33.99b)
Gross Margin = 65.66% ((Revenue TTM 33.99b - Cost of Revenue TTM 11.67b) / Revenue TTM)
Gross Margin QoQ = 68.03% (prev 65.36%)
Tobins Q-Ratio = 0.18 (Enterprise Value 103.56b / Total Assets 573.57b)
Interest Expense / Debt = 4.64% (Interest Expense 2.65b / Debt 57.10b)
Taxrate = 12.71% (296.0m / 2.33b)
NOPAT = 274.1m (EBIT 314.0m * (1 - 12.71%))
Current Ratio = 0.81 (Total Current Assets 368.72b / Total Current Liabilities 456.31b)
Debt / Equity = 0.94 (Debt 57.10b / totalStockholderEquity, last quarter 60.59b)
Debt / EBITDA = 2.03 (Net Debt 17.39b / EBITDA 8.58b)
Debt / FCF = 2.94 (Net Debt 17.39b / FCF TTM 5.91b)
Total Stockholder Equity = 58.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.22% (Net Income 6.94b / Total Assets 573.57b)
RoE = 11.88% (Net Income TTM 6.94b / Total Stockholder Equity 58.40b)
RoCE = 0.27% (EBIT 314.0m / Capital Employed (Equity 58.40b + L.T.Debt 57.10b))
RoIC = 0.23% (NOPAT 274.1m / Invested Capital 118.54b)
WACC = 7.35% (E(86.18b)/V(143.28b) * Re(9.53%) + D(57.10b)/V(143.28b) * Rd(4.64%) * (1-Tc(0.13)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.88%
[DCF] Terminal Value 78.42% ; FCFF base≈6.70b ; Y1≈5.64b ; Y5≈4.23b
[DCF] Fair Price = 179.3 (EV 89.73b - Net Debt 17.39b = Equity 72.34b / Shares 403.4m; r=7.35% [WACC]; 5y FCF grow -19.21% → 3.0% )
EPS Correlation: 26.07 | EPS CAGR: 11.09% | SUE: 2.32 | # QB: 3
Revenue Correlation: 82.75 | Revenue CAGR: 17.97% | SUE: 2.15 | # QB: 1
EPS next Quarter (2026-06-30): EPS=4.41 | Chg7d=-0.001 | Chg30d=+0.010 | Revisions Net=+0 | Analysts=20
EPS current Year (2026-12-31): EPS=18.21 | Chg7d=+0.004 | Chg30d=-0.003 | Revisions Net=-1 | Growth EPS=+9.7% | Growth Revenue=+11.1%
EPS next Year (2027-12-31): EPS=20.68 | Chg7d=-0.021 | Chg30d=-0.002 | Revisions Net=+0 | Growth EPS=+13.6% | Growth Revenue=+4.7%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.7% (Discount Rate 9.5% - Earnings Yield 7.8%)
[Growth] Growth Spread = +10.5% (Analyst 12.2% - Implied 1.7%)
External Resources
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