Financial Services · Banks - Regional
Price
$244.99
Market Cap
$98.4B
Employees
53,686
Beta
0.92
Avg Volume
2,086,435
CEO
William S. Demchak
Business Description
PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses. This includes a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. Lending products span residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education financing, and personal and small business loans and credit lines. Additionally, the segment provides brokerage, insurance, investment, and cash management services, all accessible via its branch network, ATMs, call centers, and digital banking channels. The Corporate & Institutional Banking segment caters to the needs of mid-sized and large corporations, government entities, and not-for-profit organizations. It offers secured and unsecured commercial loans, letters of credit, and equipment leases. Services extend to sophisticated cash and investment management, including receivables and disbursement handling, fund transfers, international payment processing, and access to online/mobile information reporting. Furthermore, this segment provides expert advice on foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions, alongside offering equity capital markets advisory, commercial loan servicing, and technology solutions. PNC's Asset Management Group specializes in wealth management for a diverse clientele. For high net worth and ultra high net worth individuals and their families, it delivers tailored investment and retirement planning, customized investment management, credit and cash management strategies, and trust administration. This also includes specialized multi-generational family planning services for its wealthiest clients. Institutional clients benefit from outsourced chief investment officer capabilities, custody services, private real estate investment opportunities, cash and fixed income solutions, and fiduciary retirement advisory services.
Business History
Price Overview
Last updated: Jun 27, 2026 9:02am (just now)$244.99
-0.29 (-0.12%)
Day Range
$243.08 – $246.03
52-Week Range
$176.88 – $249.01
50-Day MA
$224.22
200-Day MA
$210.35
Volume
2,664,883.00
Analyst Price Targets
Low
$206.00
Consensus
$254.13
High
$277.00
(67 analysts)
Share Structure
Outstanding
401,565,000.00
Float
398,585,022.00
Free Float
99.3%
High free float
— 99.3% of shares trade freely, ~0.7% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
13.96
Stock Price: $244.99
EPS (Diluted): 16.62
EPS (Diluted): 16.62
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.36
Stock Price: $244.99
Total Equity: $60.59B
Shares: 394,000,000
Total Equity: $60.59B
Shares: 394,000,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
14.52
Market Cap: $98.38B
Total Debt: $57.10B
Cash: $39.71B
EBITDA: $8.58B
Total Debt: $57.10B
Cash: $39.71B
EBITDA: $8.58B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$99.6B
Market Cap: $98.38B
Total Debt: $57.10B
Cash: $39.71B
Total Debt: $57.10B
Cash: $39.71B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
71.7%
Gross Profit: $22.46B
Revenue: $31.34B
Revenue: $31.34B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
27.1%
Operating Income: $8.49B
Revenue: $31.34B
Revenue: $31.34B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
22.1%
Net Income: $6.94B
Revenue: $31.34B
Revenue: $31.34B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
12.0%
Net Income: $6.94B
Total Equity: $60.59B
Total Equity: $60.59B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
5.0%
Operating Income: $8.49B
Tax Rate: 17.5%
Equity: $60.59B
Total Debt: $57.10B
Cash: $39.71B
Tax Rate: 17.5%
Equity: $60.59B
Total Debt: $57.10B
Cash: $39.71B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.11
Current Assets: $50.39B
Current Liabilities: $440.87B
Current Liabilities: $440.87B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
0.94
Short-Term Debt: $0.00
Long-Term Debt: $57.10B
Total Debt: $57.10B
Total Equity: $60.59B
Long-Term Debt: $57.10B
Total Debt: $57.10B
Total Equity: $60.59B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$79.55
Revenue: $31.34B
Shares: 394,000,000
Shares: 394,000,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$153.77
Total Equity: $60.59B
Shares: 394,000,000
Shares: 394,000,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$11.13
Operating CF: $4.38B
CapEx: $0.00
Shares: 394,000,000
CapEx: $0.00
Shares: 394,000,000
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
3.6%
Last Dividend: N/A
Stock Price: $244.99
Stock Price: $244.99
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $6.94B
Net Income: $6.94B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares PNC against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 6:41pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $19.7B | $23.5B | $31.9B | $33.7B | $31.3B |
| Cost of Revenue | -$292.0M | $2.9B | $11.2B | $13.7B | $8.9B |
| Gross Profit | $20.0B | $20.6B | $20.7B | $20.0B | $22.5B |
| Operating Expenses | $13.0B | $13.2B | $14.0B | $12.8B | $14.0B |
| Operating Income | $7.0B | $7.5B | $6.7B | $7.2B | $8.5B |
| Net Income | $5.7B | $6.0B | $5.6B | $5.9B | $6.9B |
| EBITDA | $8.8B | $8.1B | $7.0B | $7.5B | $8.6B |
| EPS | $12.71 | $13.86 | $12.80 | $13.76 | $16.62 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 6:41pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $82.3B | $34.4B | $50.7B | $46.3B | $39.7B |
| Total Current Assets | $219.8B | $84.9B | $99.0B | $62.3B | $50.4B |
| Total Assets | $557.2B | $557.3B | $561.6B | $560.0B | $573.6B |
| Current Liabilities | $470.0B | $452.0B | $421.4B | $426.7B | $440.9B |
| Long-Term Debt | $30.8B | $58.7B | $72.7B | $61.7B | $57.1B |
| Total Liabilities | $501.5B | $511.5B | $510.4B | $505.6B | $512.9B |
| Total Equity | $55.7B | $45.8B | $51.1B | $54.4B | $60.6B |
| Retained Earnings | $50.2B | $53.6B | $56.3B | $59.3B | $63.3B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 6:41pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $7.2B | $9.1B | $10.1B | $7.9B | $4.4B |
| Capital Expenditure | $0 | $0 | $0 | $0 | $0 |
| Free Cash Flow | $7.2B | $9.1B | $10.1B | $7.9B | $4.4B |
| Acquisitions (net) | -$10.5B | $0 | $0 | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$1.1B | -$5.2B | -$1.7B | -$1.2B | -$1.3B |
| Net Change in Cash | $987.0M | -$47.9B | $16.4B | -$4.5B | -$6.5B |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 9:02am (just now)| Metric | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|
| Revenue |
$25.8B $25.7B – $26.0B
|
$27.2B $26.8B – $27.6B
|
$28.5B $28.3B – $28.7B
|
$20.0B $19.8B – $20.2B
|
| EBITDA |
$7.8B $7.7B – $7.8B
|
$8.2B $8.1B – $8.3B
|
$8.6B $8.5B – $8.6B
|
$6.0B $5.9B – $6.1B
|
| Net Income |
$7.4B $7.0B – $7.5B
|
$8.2B $7.6B – $8.8B
|
$8.4B $7.9B – $10.0B
|
$7.7B $7.6B – $7.8B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 6:41pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +19.5% | +35.5% | +5.6% | -7.0% |
| Gross Profit Growth | +3.3% | +0.5% | -3.5% | +12.2% |
| Operating Income Growth | +6.9% | -9.9% | +7.5% | +17.2% |
| Net Income Growth | +6.5% | -7.7% | +5.6% | +17.8% |
| EBITDA Growth | -7.3% | -14.4% | +7.9% | +14.3% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-06-12 | Thomas Michael Duane | S-Sale | 1,500.00 | $238.14 | $357,205 |
| 2026-06-08 | Overstrom Alexander E. C. | S-Sale | 1,500.00 | $227.97 | $341,957 |
| 2026-06-05 | Novosel Stephanie | S-Sale | 1,800.00 | $228.73 | $411,714 |
| 2026-05-26 | Feldstein Andrew T | S-Sale | 18,000.00 | $220.57 | $4.0M |
| 2026-05-26 | Feldstein Andrew T | S-Sale | 23,000.00 | $220.57 | $5.1M |
| 2026-05-26 | Feldstein Andrew T | S-Sale | 4,000.00 | $220.57 | $882,265 |
| 2026-04-22 | Pfinsgraff Martin | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | HARSHMAN RICHARD J | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | HESSE DANIEL | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | Salesky Bryan Scott | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | NIBLOCK ROBERT A | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | ALVARADO JOSEPH | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | Medler Linda R | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | Feldstein Andrew T | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | Cheshire Marjorie Rodgers | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | CAFARO DEBRA A | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | Dachille Douglas A. | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-22 | Khator Renu | A-Award | 844.00 | $0.00 | $0 |
| 2026-04-17 | Wiedman Mark | A-Award | 4,551.00 | $0.00 | $0 |
| 2026-04-17 | Wiedman Mark | F-InKind | 2,071.00 | $224.81 | $465,582 |
Dividend History (Last 20)
Last updated: Jun 21, 2026 6:41pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-04-14 | $1.70 | 2026-04-01 | 2026-04-14 | 2026-05-05 |
| 2026-01-20 | $1.70 | 2026-01-05 | 2026-01-20 | 2026-02-05 |
| 2025-10-14 | $1.70 | 2025-10-02 | 2025-10-14 | 2025-11-05 |
| 2025-07-15 | $1.70 | 2025-07-03 | 2025-07-15 | 2025-08-05 |
| 2025-04-16 | $1.60 | 2025-04-03 | 2025-04-16 | 2025-05-05 |
| 2025-01-15 | $1.60 | 2025-01-03 | 2025-01-15 | 2025-02-05 |
| 2024-10-16 | $1.60 | 2024-10-03 | 2024-10-16 | 2024-11-05 |
| 2024-07-15 | $1.60 | 2024-07-02 | 2024-07-15 | 2024-08-05 |
| 2024-04-12 | $1.55 | 2024-04-03 | 2024-04-15 | 2024-05-06 |
| 2024-01-12 | $1.55 | 2024-01-04 | 2024-01-16 | 2024-02-05 |
| 2023-10-16 | $1.55 | 2023-10-02 | 2023-10-17 | 2023-11-05 |
| 2023-07-14 | $1.55 | 2023-07-03 | 2023-07-17 | 2023-08-05 |
| 2023-04-17 | $1.50 | 2023-04-03 | 2023-04-18 | 2023-05-05 |
| 2023-01-13 | $1.50 | 2023-01-04 | 2023-01-17 | 2023-02-05 |
| 2022-10-14 | $1.50 | 2022-10-03 | 2022-10-17 | 2022-11-05 |
| 2022-07-12 | $1.50 | 2022-07-01 | 2022-07-13 | 2022-08-05 |
| 2022-04-12 | $1.50 | 2022-04-01 | 2022-04-13 | 2022-05-05 |
| 2022-01-14 | $1.25 | 2022-01-05 | 2022-01-18 | 2022-02-05 |
| 2021-10-14 | $1.25 | 2021-10-01 | 2021-10-15 | 2021-11-05 |
| 2021-07-15 | $1.25 | 2021-07-01 | 2021-07-16 | 2021-08-05 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for PNC — it's generated by the pipeline (
market-narrative step).
No community reviews yet for PNC.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30