The PNC Financial Services Group, Inc.
NYSE•PNC
CEO: Mr. William S. Demchak
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
The Tower at PNC Plaza, 300 Fifth Avenue, Pittsburgh, PA, 15222-2401, United States
888-762-2265
時価総額
$81.76B
PER (TTM)
11.5
13.8
配当利回り
3.3%
52週高値
$243.94
52週安値
$145.12
52週レンジ
順位33Top 25.7%
4.8
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.8 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025
財務ダッシュボード
Q4 2025 データ
売上高
$8.72B-28.84%
直近4四半期の推移
EPS
$4.88+29.44%
直近4四半期の推移
フリーCF
$2.28B+0.00%
直近4四半期の推移
2025 Annual 決算ハイライト
主なハイライト
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.
リスク要因
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.
見通し
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%.
同業比較
売上高 (TTM)
$42.86B
$33.99B
$30.44B
粗利益率 (最新四半期)
100.0%
79.8%
71.4%
主要指標
銘柄コード | 時価総額 | PER (TTM) | ROE (TTM) | 負債比率 |
|---|---|---|---|---|
| PNC | $81.76B | 11.5 | 11.9% | 10.0% |
| USB | $79.98B | 10.6 | 12.1% | 11.3% |
| TFC | $55.43B | 10.6 | 8.2% | 12.7% |
長期トレンド
直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
2.5%
緩やかな成長
4四半期純利益CAGR
10.9%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい
深度リサーチ
次回決算:2026年4月13日
EPS:-
|売上高:-
財務データ
決算説明会
財務レポート
ニュース
損益計算書
バランスシート
キャッシュフロー計算書
財務比率
変化率
損益計算書 | 直近12ヶ月 |
|---|
データなし