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
$81.64B
P/E (TTM)
11.7
13.1
Dividend Yield
3.3%
52W High
$243.94
52W Low
$145.12
52W Range
Rank33Top 25.7%
4.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$8.72B-28.84%
4-Quarter Trend
EPS
$4.88+29.44%
4-Quarter Trend
FCF
$2.28B+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Net Income Rises Significantly Net income increased 18% to $7.0B for 2025; NII grew 7% to $14.4B, driven by lower funding costs and loan growth.
Strong NIM Improvement Net interest margin expanded 17 basis points to 2.83% in 2025, up from 2.66% in 2024, reflecting favorable asset repricing.
Loan Portfolio Expansion Total assets grew 2.4% to $573.6B. Total loans increased $15.0B (5%), led by growth in the commercial and industrial portfolio.
Solid Capital and Asset Quality CET1 ratio improved to 10.6% (vs. 10.5% in 2024). Net charge-offs decreased 29% to $744M, reflecting strong credit performance.
Risk Factors
Economic Sensitivity Risks Business performance remains vulnerable to adverse economic conditions, inflation, and geopolitical tensions impacting borrower repayment ability.
Technology and Cyber Vulnerabilities Heavy reliance on technology systems creates material risk from failures, interruptions, or cyber attacks affecting operations and data confidentiality.
Interest Rate Environment Volatility Interest rate fluctuations impact NIM; lower rates negatively affect margin unless offset by sufficient earning asset growth and mix.
Regulatory Capital Scrutiny Subject to extensive regulatory oversight; future Basel III final rules may require more stringent capital and liquidity standards compliance.
Outlook
2026 NII and Revenue Guidance Expect 2026 Net Interest Income to increase approximately 14% based on 8% average loan growth expectations for the full year.
Integration Costs Expected FirstBank acquisition completed Jan 2026; non-recurring integration costs of approximately $325M are expected, mostly in H1 2026.
Slower Economic Growth Forecast Baseline forecast anticipates continued expansion but slower GDP growth (~2% in 2026) with unemployment stabilizing near 4.5%.
Expense Management Focus Anticipate 2026 noninterest expense growth of 7% (excluding integration costs); effective tax rate projected at 19.5%.
Peer Comparison
Revenue (TTM)
$42.86B
$33.99B
$30.44B
Gross Margin (Latest Quarter)
100.0%
79.8%
71.4%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| PNC | $81.64B | 11.7 | 11.9% | 10.0% |
| USB | $79.01B | 10.6 | 12.1% | 11.3% |
| TFC | $55.63B | 10.7 | 8.2% | 12.7% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.5%
Moderate Growth
4Q Net Income CAGR
10.9%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow
Deep Research
Next earnings:Apr 13, 2026
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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No Data