Overview Dividends

(PNC) PNC Financial - Ratings and Ratios

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

Deposits, Loans, Mortgages, Investment, Wealth

PNC EPS (Earnings per Share)

EPS Growth (3Y CAGR): 8.34%
EPS Trend (3Y Correlation): 39.6%

PNC Revenue

Revenue Growth (3Y CAGR): 7.70%
Revenue Trend (3Y Correlation): 66.6%

Description: PNC PNC Financial September 26, 2025

PNC Financial Services Group, Inc. (NYSE:PNC) is a diversified U.S. financial institution operating through three primary segments: Retail Banking, Corporate & Institutional Banking, and Asset Management. The Retail Banking arm serves consumers and small-business clients with deposit accounts, mortgages, credit cards, auto and education loans, and a suite of brokerage, insurance, and cash-management services delivered via branches, digital platforms, ATMs, and call centers. The Corporate & Institutional Banking division offers a full range of loan products, cash-management, trade-finance, securities underwriting, loan syndications, M&A advisory, and technology solutions to mid-size and large corporations, governments, and non-profits. The Asset Management Group provides investment, retirement, trust, and wealth-planning services to high-net-worth individuals and institutional clients, including outsourced CIO and fiduciary solutions.

As of Q3 2024, PNC reported a net interest margin of approximately 3.2% and loan growth of 5% year-over-year, driven largely by a rebound in residential mortgage originations and steady demand for commercial real-estate financing. The bank’s deposit base exceeded $500 billion, positioning it to benefit from the current “rate-on-rate” environment where higher Federal Reserve rates boost net interest income but also increase funding costs. A key sector driver is the Fed’s policy trajectory; any shift toward rate cuts could compress margins and alter credit-quality dynamics, especially in the small-business loan portfolio.

For a deeper, data-rich assessment of PNC’s valuation and risk profile, you may find ValueRay’s analytical tools useful.

PNC Stock Overview

Market Cap in USD	71,629m
Sub-Industry	Regional Banks
IPO / Inception	1988-09-07

PNC Stock Ratings

Growth Rating	25.0%
Fundamental	59.4%
Dividend Rating	68.8%
Return 12m vs S&P 500	-14.9%
Analyst Rating	3.96 of 5

PNC Dividends

Dividend Yield 12m	3.58%
Yield on Cost 5y	6.18%
Annual Growth 5y	8.18%
Payout Consistency	95.1%
Payout Ratio	43.0%

PNC Growth Ratios

Growth Correlation 3m	-56.4%
Growth Correlation 12m	-0.1%
Growth Correlation 5y	34.9%
CAGR 5y	10.25%
CAGR/Max DD 3y (Calmar Ratio)	0.32
CAGR/Mean DD 3y (Pain Ratio)	0.89
Sharpe Ratio 12m	-0.06
Alpha	-19.78
Beta	1.109
Volatility	23.73%
Current Volume	1801k
Average Volume 20d	2080.1k
Stop Loss	178.6 (-3%)
Signal	0.18

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 -0.31pp (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 6.06b <= 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) 59.38

1. Piotroski 3.50pt = -1.50

2. FCF Yield 22.60% = 5.0

3. FCF Margin 17.92% = 4.48

4. Debt/Equity 1.06 = 1.97

5. Debt/Ebitda 2.82 = -1.51

6. ROIC - WACC (= -5.60)% = -7.00

7. RoE 11.48% = 0.96

8. Rev. Trend 66.63% = 5.00

9. EPS Trend 39.63% = 1.98

What is the price of PNC shares?

As of November 06, 2025, the stock is trading at USD 184.15 with a total of 1,800,969 shares traded.
Over the past week, the price has changed by +1.73%, over one month by -4.99%, over three months by -1.65% and over the past year by +1.16%.

Is PNC Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, PNC Financial is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 59.38 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PNC is around 178.49 USD . This means that PNC is currently overvalued and has a potential downside of -3.07%.

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	220.9	19.9%
Analysts Target Price	220.9	19.9%
ValueRay Target Price	196.5	6.7%

PNC Fundamental Data Overview November 01, 2025

Market Cap USD = 71.63b (71.63b USD * 1.0 USD.USD)
P/E Trailing = 11.7926
P/E Forward = 11.4416
P/S = 3.2859
P/B = 1.3546
P/EG = 1.9391
Beta = 1.109
Revenue TTM = 33.80b USD
EBIT TTM = 2.22b USD
EBITDA TTM = 8.32b USD
Long Term Debt = 61.67b USD (from longTermDebt, last fiscal year)
Short Term Debt = 19.73b USD (from shortTermDebt, last fiscal year)
Debt = 62.34b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 23.47b USD (from netDebt column, last quarter)
Enterprise Value = 26.81b USD (71.63b + Debt 62.34b - CCE 107.17b)
Interest Coverage Ratio = 0.20 (Ebit TTM 2.22b / Interest Expense TTM 11.22b)
FCF Yield = 22.60% (FCF TTM 6.06b / Enterprise Value 26.81b)
FCF Margin = 17.92% (FCF TTM 6.06b / 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 = 0.05 (Enterprise Value 26.81b / 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 = 3.87 (Net Debt 23.47b / FCF TTM 6.06b)
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 = 1.87% (EBIT 2.22b / Capital Employed (Equity 56.86b + L.T.Debt 61.67b))
RoIC = 1.51% (NOPAT 1.77b / Invested Capital 117.09b)
WACC = 7.11% (E(71.63b)/V(133.97b) * Re(10.10%) + D(62.34b)/V(133.97b) * Rd(4.62%) * (1-Tc(0.20)))
Discount Rate = 10.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.63%
[DCF Debug] Terminal Value 72.61% ; FCFE base≈6.74b ; Y1≈7.34b ; Y5≈9.24b
Fair Price DCF = 290.8 (DCF Value 114.12b / Shares Outstanding 392.4m; 5y FCF grow 10.12% → 3.0% )
EPS Correlation: 39.63 | EPS CAGR: 8.34% | SUE: 1.98 | # QB: 2
Revenue Correlation: 66.63 | Revenue CAGR: 7.70% | SUE: 0.76 | # QB: 0

Additional Sources for PNC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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