(PNC) PNC Financial - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 93.617m USD | Total Return: 36.5% in 12m
Avg Turnover: 475M
EPS Trend: 61.2%
Qual. Beats: 0
Rev. Trend: 75.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
PNC Financial Services Group is a diversified U.S. financial services company headquartered in Pittsburgh, Pennsylvania, operating through three main segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Founded in 1865, the company serves consumer and small business customers, mid-sized and large corporations, government and not-for-profit entities, and high net worth individuals across the country.
The Retail Banking segment provides deposit products, residential mortgages, home equity, auto, credit card, education, and small business loans, along with brokerage, insurance, and cash management services delivered through branches, digital channels, ATMs, and phone-based contact centers. The Corporate & Institutional Banking segment offers secured and unsecured loans, equipment leasing, treasury management, international payments, securities underwriting, loan syndications, and M&A and equity capital markets advisory services. The Asset Management Group focuses on investment and retirement planning, customized investment management, trust administration, multi-generational family planning, and institutional services such as outsourced CIO and custody.
As a company classified within the GICS Regional Banks sub-industry, PNC competes in a sector that typically serves defined geographic markets with a mix of consumer, commercial, and wealth management offerings. Its three-segment structure reflects a common business model among large U.S. regional banks, blending traditional spread-based lending and deposit gathering with fee-generating treasury, capital markets, and asset management services to diversify revenue streams.
- Net interest margin compression pressures earnings as Fed cuts rates
- Asset Management Group fees decline on equity market weakness
- Capital return to shareholders continues with steady buybacks and dividends
| Net Income: 7.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.12 > 1.0 |
| NWC/Revenue: -1.05k% < 20% (prev -1.10k%; Δ 47.10% < -1%) |
| CFO/TA 0.01 > 3% & CFO 6.82b > Net Income 7.21b |
| Net Debt (-116b) to EBITDA (9.18b): -12.68 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (411.1m) vs 12m ago 3.30% < -2% |
| Gross Margin: 71.88% > 18% (prev 60.62%; Δ 11.26% > 0.5%) |
| Asset Turnover: 5.54% > 50% (prev 6.02%; Δ -0.49% > 0%) |
| Interest Coverage Ratio: 0.82 > 6 (EBIT TTM 8.83b / Interest Expense TTM 10.7b) |
| A: -0.56 (Total Current Assets 187b - Total Current Liabilities 524b) / Total Assets 603b |
| B: 0.11 (Retained Earnings 64.3b / Total Assets 603b) |
| C: 0.02 (EBIT TTM 8.83b / Avg Total Assets 579b) |
| D: 0.12 (Book Value of Equity 63.6b / Total Liabilities 539b) |
| Altman-Z'' = -3.10 = D |
As of June 24, 2026, the stock is trading at USD 238.67 with a total of 2,564,416 shares traded. Over the past week, the price has changed by +3.52%, over one month by +8.09%, over three months by +17.93% and over the past year by +36.51%.
Current recommended Stop Loss: 232.10 (which is 2.8% or 1.3 ATR below the current price).
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
| Analysts Target Price | 255.8 | 7.2% |
P/E Trailing = 13.5541
P/E Forward = 12.7714
P/S = 4.0629
P/B = 1.4713
P/EG = 1.8503
Revenue TTM = 32.1b USD
EBIT TTM = 8.83b USD
EBITDA TTM = 9.18b USD
Long Term Debt = 66.7b USD (from longTermDebt, last quarter)
Short Term Debt = 66.7b USD (from shortTermDebt, last quarter)
Debt = 68.9b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.22b
Net Debt = -116b USD (calculated: Debt 68.9b - CCE 185b)
Enterprise Value = 93.6b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.82 (Ebit TTM 8.83b / Interest Expense TTM 10.7b)
EV/FCF = 13.72x (Enterprise Value 93.6b / FCF TTM 6.82b)
FCF Yield = 7.29% (FCF TTM 6.82b / Enterprise Value 93.6b)
FCF Margin = 21.28% (FCF TTM 6.82b / Revenue TTM 32.1b)
Net Margin = 22.51% (Net Income TTM 7.21b / Revenue TTM 32.1b)
Gross Margin = 71.88% ((Revenue TTM 32.1b - Cost of Revenue TTM 9.01b) / Revenue TTM)
Gross Margin QoQ = none% (prev 68.03%)
Tobins Q-Ratio = 0.16 (Enterprise Value 93.6b / Total Assets 603b)
Interest Expense / Debt = 15.57% (Interest Expense 10.7b / Debt 68.9b)
Taxrate = 17.64% (1.56b / 8.83b)
NOPAT = 7.27b (EBIT 8.83b * (1 - 17.64%))
Current Ratio = 0.36 (Total Current Assets 187b / Total Current Liabilities 524b)
Debt / Equity = 1.08 (Debt 68.9b / totalStockholderEquity, last quarter 63.6b)
Debt / EBITDA = -12.68 (Net Debt -116b / EBITDA 9.18b)
Debt / FCF = -17.07 (Net Debt -116b / FCF TTM 6.82b)
Total Stockholder Equity = 60.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 7.21b / Total Assets 603b)
RoE = 11.98% (Net Income TTM 7.21b / Total Stockholder Equity 60.2b)
RoCE = 6.96% (EBIT 8.83b / Capital Employed (Equity 60.2b + L.T.Debt 66.7b))
RoIC = 5.06% (NOPAT 7.27b / Invested Capital 144b)
WACC = 10.53% (E(93.6b)/V(163b) * Re(8.85%) + D(68.9b)/V(163b) * Rd(15.57%) * (1-Tc(0.18)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -55.21 | Cagr: 1.12%
[DCF] Terminal Value 71.24% ; FCFF base≈6.34b ; Y1≈7.27b ; Y5≈10.7b
[DCF] Fair Price = 578.9 (EV 116b - Net Debt -116b = Equity 232b / Shares 401.6m; r=10.53% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 61.15 | EPS CAGR: 8.92% | SUE: 0.65 | # QB: 0
Revenue Correlation: 75.13 | Revenue CAGR: 6.81% | SUE: -0.01 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4.33 | Chg30d=+0.12% | Revisions=-27% | Analysts=17
EPS next Quarter (2026-09-30): EPS=4.90 | Chg30d=-0.14% | Revisions=+26% | Analysts=17
EPS current Year (2026-12-31): EPS=18.37 | Chg30d=-0.09% | Revisions=+42% | GrowthEPS=+10.7% | GrowthRev=+11.3%
EPS next Year (2027-12-31): EPS=21.06 | Chg30d=+0.13% | Revisions=+73% | GrowthEPS=+14.6% | GrowthRev=+5.1%
[Analyst] Revisions Ratio: +73%