
The PNC Financial Services Group, Inc.
NYSE•PNC
CEO: Mr. William S. Demchak
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1975-11-17
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; securities underwriting, loan syndications, customer-related trading, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.
Contact Information
The Tower at PNC Plaza, 300 Fifth Avenue, Pittsburgh, PA, 15222-2401, United States
888-762-2265
Market Cap
$82.43B
P/E (TTM)
12.8
14.6
Dividend Yield
3.1%
52W High
$213.03
52W Low
$145.12
52W Range
Rank45Top 43.2%
4.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$8.79B-0.55%
4-Quarter Trend
EPS
$4.36+24.57%
4-Quarter Trend
FCF
$2.66B-19.20%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Strong Quarterly Earnings Growth Q3 Net Income reached $1.822B, growing 11% sequentially, supported by higher revenue streams across key business segments.
Net Interest Income Rises Q3 NII was $3.648B, up 3% sequentially, benefiting from fixed rate asset repricing and loan portfolio expansion.
Loan Portfolio Expansion Total loans increased 3% to $326.6B since year-end 2024, driven by $11.2B growth in Commercial and Industrial lending.
Solid Capital Position CET1 ratio strengthened to 10.7% by September 30, 2025, up from 10.5% at year-end 2024, reflecting effective capital management.
Risk Factors
Commercial Real Estate Stress Office portfolio remains high focus; multi-tenant office criticized loans stand at 57.7% amid ongoing uncertainty.
Slowing Economic Growth Baseline forecast projects slower GDP expansion in 2025/2026, potentially impacting consumer spending and overall growth contribution.
NII Rate Sensitivity Potential NII decrease of 2.9% projected under a 200 basis point instantaneous interest rate decrease scenario for the first year.
Regulatory Capital Buffer Future capital ratios depend on evolving regulatory frameworks and maintaining buffers above the 2.5% SCB minimum.
Outlook
Q4 2025 Financial Guidance Expect average loans stable to up 1% and NII up approximately 1.5%; fee income projected down about 3% for Q4 2025.
Strategic Acquisition Closing Transaction to acquire FirstBank Holding Company ($4.1B implied consideration) expected to close in early 2026, expanding regional footprint.
Shareholder Capital Return Q4 2025 repurchase activity anticipated between $300M and $400M, consistent with current capital return policy.
Franchise Expansion Focus Continued strategic investment in technology and expanding leading retail banking franchise into new markets across the U.S.
Peer Comparison
Revenue (TTM)
USB$42.55B
PNC$33.80B
TFC$29.76B
Gross Margin (Latest Quarter)
CFG92.7%
WAL69.4%
USB68.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| USB | $84.19B | 11.7 | 11.8% | 11.2% |
| PNC | $82.43B | 12.8 | 11.5% | 11.0% |
| TFC | $65.06B | 12.8 | 7.8% | 13.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.0%
Moderate Growth
4Q Net Income CAGR
3.9%
Profitability Slowly Improving
Cash Flow Stability
75%
Volatile Cash Flow
Research & Insights
Next earnings:Jan 15, 2026
EPS:$4.19
|Revenue:$5.90B
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Nov 3, 2025|Revenue: $8.79B-0.6%|EPS: $4.36+24.6%BeatForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 1, 2025|Revenue: $8.38B+5.5%|EPS: $3.86+13.9%BeatForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 2, 2025|Revenue: $8.10B-3.4%|EPS: $3.52+13.5%BeatForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 21, 2025|Revenue: $33.69B+5.6%|EPS: $13.76+7.5%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 1, 2024|Revenue: $8.84B+10.3%|EPS: $3.50-2.8%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 2, 2024|Revenue: $7.94B+2.7%|EPS: $3.39+0.9%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 2, 2024|Revenue: $8.38B+9.6%|EPS: $3.10-22.3%BeatForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 21, 2024|Revenue: $31.90B+35.5%|EPS: $12.80-7.6%Beat