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The PNC Financial Services Group, Inc.

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
www.pnc.com
時価総額
$89.58B
PER (TTM)
13.0
15.3
配当利回り
2.9%
52週高値
$243.94
52週安値
$145.12
52週レンジ
86%
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

$6.07B-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

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

U.S. BancorpUSB
$42.86B
+0.3%
The PNC Financial Services Group, Inc.PNC
$31.34B
-7.0%
Truist Financial CorporationTFC
$30.44B
+25.5%

粗利益率 (最新四半期)

The PNC Financial Services Group, Inc.PNC
100.0%
+36.6pp
Citizens Financial Group, Inc.CFG
100.0%
+40.1pp
Regions Financial CorporationRF
79.8%
+8.8pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
USB$89.89B11.912.1%11.3%
PNC$89.58B13.011.9%10.0%
TFC$66.61B12.48.2%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
-9.2%
成長鈍化
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
50%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月13日
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EPS:-
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売上高:-
財務レポート
財務データ
全年度
  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月3日|
    売上高: $8.79B-0.6%
    |
    EPS: $4.36+24.6%
    予想を上回る
  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月1日|
    売上高: $8.38B+5.5%
    |
    EPS: $3.86+13.9%
    予想を上回る
  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月2日|
    売上高: $8.10B-3.4%
    |
    EPS: $3.52+13.5%
    予想を上回る
  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年2月21日|
    売上高: $33.69B+5.6%
    |
    EPS: $13.76+7.5%
    予想を上回る
  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月1日|
    売上高: $8.84B+10.3%
    |
    EPS: $3.50-2.8%
    予想を上回る
  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月2日|
    売上高: $7.94B+2.7%
    |
    EPS: $3.39+0.9%
    予想を上回る
  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月2日|
    売上高: $8.38B+9.6%
    |
    EPS: $3.10-22.3%
    予想を上回る
  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年2月21日|
    売上高: $31.90B+35.5%
    |
    EPS: $12.80-7.6%
    予想通り