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PNCThe PNC Financial Services Group, Inc.
$232.04$91.4B
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PNC logoThe PNC Financial Services Group, Inc.(PNC)Earnings, Financials & Key Ratios

PNC•NYSE•Banking & Credit
14.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutThe PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of 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, ATMs, call centers, and online and mobile banking channels. 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; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, 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 fiduciary retirement advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.Show more
  • Net Interest Income$14.41B+6.7%
  • Total Revenue$31.34B-7.0%
  • Net Income$6.94B+17.8%
  • Return on Equity12.05%+8.1%
  • Net Interest Margin2.51%+4.2%
  • Efficiency Ratio44.58%+17.6%
  • ROA1.22%+16.5%
  • Equity / Assets10.57%+8.7%
  • Book Value per Share153.90+13.0%

PNC Key Insights

The PNC Financial Services Group, Inc. (PNC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Efficient operations: 44.6% efficiency ratio
  • ✓15 consecutive years of dividend growth
  • ✓Well capitalized: 10.6% equity/assets
  • ✓Healthy dividend yield of 2.9%
  • ✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PNC Price & Volume

The PNC Financial Services Group, Inc. (PNC) stock price & volume — 10-year historical chart

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PNC Growth Metrics

The PNC Financial Services Group, Inc. (PNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years6.78%
5 Years11.41%
3 Years10.02%
TTM-

Profit CAGR

10 Years5.38%
5 Years-1.6%
3 Years4.71%
TTM17.78%

EPS CAGR

10 Years8.42%
5 Years21.14%
3 Years6.2%
TTM20.65%

Return on Capital

10 Years5.7%
5 Years6.55%
3 Years5.72%
Last Year6.38%

PNC Recent Earnings

The PNC Financial Services Group, Inc. (PNC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 15, 2026
Metric
Actual
Est
EPS
$4.13+5.1%
$3.93
Rev
$6.2B-1.2%
$6.2B
Q1 2026
Jan 16, 2026
Metric
Actual
Est
EPS
$4.88+15.4%
$4.23
Rev
$6.1B+1.9%
$6.0B
Q4 2025
Oct 15, 2025
Metric
Actual
Est
EPS
$4.35+7.4%
$4.05
Rev
$5.9B+1.5%
$5.8B
Q3 2025
Jul 16, 2025
Metric
Actual
Est
EPS
$3.85+8.5%
$3.55
Rev
$5.7B+1.0%
$5.6B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 15, 2026
$4.13vs $3.93+5.1%
$6.2Bvs $6.2B-1.2%
Q1 2026Jan 16, 2026
$4.88vs $4.23+15.4%
$6.1Bvs $6.0B+1.9%
Q4 2025Oct 15, 2025
$4.35vs $4.05+7.4%
$5.9Bvs $5.8B+1.5%
Q3 2025Jul 16, 2025
$3.85vs $3.55+8.5%
$5.7Bvs $5.6B+1.0%
Based on last 12 quarters of dataView full earnings history →

PNC Peer Comparison

The PNC Financial Services Group, Inc. (PNC) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
USB logoUSBU.S. BancorpDirect Competitor90.47B58.1412.610.35%17.68%12.03%1.19
TFC logoTFCTruist Financial CorporationDirect Competitor62.11B48.3312.6525.5%17.44%8.15%1.07
RF logoRFRegions Financial CorporationDirect Competitor25.19B28.6212.502.51%22.44%11.43%0.26
CFG logoCFGCitizens Financial Group, Inc.Direct Competitor29.21B67.0817.38-9.71%16.42%7.16%0.43
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.69B16.8612.134.38%17.71%10.04%0.76
KEY logoKEYKeyCorpDirect Competitor24.74B22.5914.8623.56%16.35%9.26%0.54
MTB logoMTBM&T Bank CorporationDirect Competitor35.24B225.1213.24-8.18%23.16%9.88%0.45
JPM logoJPMJPMorgan Chase & Co.Product Competitor908.57B325.2216.223.31%20.35%15.95%2.60

Compare PNC vs Peers

The PNC Financial Services Group, Inc. (PNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs USB

Most directly comparable listed peer for PNC.

Scale Benchmark

vs JPM

Larger-name benchmark to compare PNC against a more recognizable public peer.

Peer Set

Compare Top 5

vs USB, TFC, RF, CFG

PNC Income Statement

The PNC Financial Services Group, Inc. (PNC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
9.11B9.72B9.96B9.95B10.65B13.01B13.92B13.5B14.41B
NII Growth %
8.54%6.73%2.51%-0.19%7.05%22.23%6.93%-3%6.75%
Net Interest Margin %
2.39%2.54%2.43%2.13%1.91%2.34%2.48%2.41%2.51%
Interest Income
10.81B12.58B13.76B11.31B11.13B15.44B24.31B26.38B25.31B
Interest Expense
1.71B2.86B3.8B1.36B487M2.42B10.39B12.88B10.9B
Loan Loss Provision
441M408M773M3.17B-779M471M761M797M-2.01B
Non-Interest Income
7.22B6.47B6.87B6.96B8.56B8.1B7.59B7.31B6.04B
Non-Interest Income %
40.04%33.96%33.31%38.08%43.48%34.42%23.8%21.7%19.26%
Total Revenue
18.04B▲ 0%
19.05B▲ 5.6%
20.64B▲ 8.3%
18.26B▼ 11.5%
19.7B▲ 7.9%
23.54B▲ 19.5%
31.9B▲ 35.5%
33.69B▲ 5.6%
31.34B▼ 7.0%
Revenue Growth %
9.82%5.63%8.32%-11.5%7.86%19.48%35.54%5.62%-6.98%
Non-Interest Expense
10.4B10.3B10.57B10.3B13B13.17B14.01B12.77B13.97B
Efficiency Ratio
57.65%54.04%51.24%56.38%66.01%55.96%43.92%37.9%44.58%
Operating Income
5.49B▲ 0%
5.49B▼ 0.1%
5.49B▲ 0.1%
3.43B▼ 37.6%
6.99B▲ 103.8%
7.47B▲ 6.9%
6.74B▼ 9.9%
7.24B▲ 7.5%
8.49B▲ 17.2%
Operating Margin %
30.44%28.8%26.61%18.78%35.48%31.75%21.12%21.49%27.08%
Operating Income Growth %
4.51%-0.07%0.11%-37.56%103.79%6.94%-9.86%7.51%17.18%
Pretax Income
5.49B▲ 0%
5.49B▼ 0.1%
5.49B▲ 0.1%
3.43B▼ 37.6%
6.99B▲ 103.8%
7.47B▲ 6.9%
6.74B▼ 9.9%
7.24B▲ 7.5%
8.49B▲ 17.2%
Pretax Margin %
30.44%28.8%26.61%18.78%35.48%31.75%21.12%21.49%27.08%
Income Tax
102M928M901M426M1.26B1.36B1.09B1.29B1.49B
Effective Tax Rate %
1.86%16.92%16.41%12.42%18.07%18.2%16.17%17.8%17.55%
Net Income
5.34B▲ 0%
5.3B▼ 0.7%
5.37B▲ 1.3%
7.52B▲ 40.0%
5.67B▼ 24.5%
6.04B▲ 6.5%
5.58B▼ 7.7%
5.89B▲ 5.6%
6.94B▲ 17.8%
Net Margin %
29.6%27.83%26.02%41.16%28.8%25.67%17.49%17.48%22.13%
Net Income Growth %
36.77%-0.69%1.28%40.01%-24.52%6.47%-7.66%5.58%17.78%
Net Income (Continuing)
5.39B4.56B4.59B3B5.72B6.11B5.65B5.95B7B
EPS (Diluted)
10.36▲ 0%
10.71▲ 3.4%
11.39▲ 6.3%
6.36▼ 44.2%
12.70▲ 99.7%
13.85▲ 9.1%
12.79▼ 7.7%
13.74▲ 7.4%
16.59▲ 20.7%
EPS Growth %
41.92%3.38%6.35%-44.16%99.69%9.06%-7.65%7.43%20.74%
EPS (Basic)
10.4910.7911.436.3612.7113.8612.8013.7616.62
Diluted Shares Outstanding
486M470M448M427M426M412M401M400M394M

PNC Balance Sheet

The PNC Financial Services Group, Inc. (PNC) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
91.46B79.89B97.64B179.55B213.79B78.52B92.51B55.64B50.39B
Cash & Due from Banks
33.84B16.5B28.47B92.19B82.25B34.36B50.73B46.25B39.71B
Short Term Investments
57.62B63.39B69.16B87.36B131.54B44.16B41.78B9.38B10.67B
Total Investments
301.31B313.99B333.83B331.14B424.46B463.66B451.87B455.47B470.95B
Investments Growth %
3.41%4.21%6.32%-0.81%28.18%9.24%-2.54%0.8%3.4%
Long-Term Investments
243.69B250.6B264.67B243.78B292.92B419.5B410.09B446.08B460.28B
Accounts Receivables
000000000
Goodwill & Intangibles
11.01B11.2B10.88B10.47B12.73B14.41B14.62B14.64B14.62B
Goodwill
9.17B9.22B9.23B9.23B10.92B10.99B10.93B10.93B10.96B
Intangible Assets
1.83B1.98B1.64B1.24B1.82B3.42B3.69B3.71B3.66B
PP&E (Net)
0001.88B1.92B0000
Other Assets
26.71B33.36B30.01B24.74B29.79B38.42B37.9B36.98B48.29B
Total Current Assets
99.36B87.16B104.75B185.81B219.83B84.93B98.97B62.33B50.39B
Total Non-Current Assets
281.41B295.16B305.55B280.87B337.36B472.34B462.61B497.71B523.19B
Total Assets
380.77B▲ 0%
382.31B▲ 0.4%
410.3B▲ 7.3%
466.68B▲ 13.7%
557.19B▲ 19.4%
557.26B▲ 0.0%
561.58B▲ 0.8%
560.04B▼ 0.3%
573.57B▲ 2.4%
Asset Growth %
3.93%0.41%7.32%13.74%19.39%0.01%0.77%-0.27%2.42%
Return on Assets (ROA)
1.43%1.39%1.35%1.71%1.11%1.08%1%1.05%1.22%
Accounts Payable
000000000
Total Debt
59.38B57.7B60.58B39.29B33B58.71B72.74B61.67B57.1B
Net Debt
25.54B41.2B32.11B-52.9B-49.25B24.35B22.01B15.42B17.39B
Long-Term Debt
59.09B57.42B60.26B37.2B30.78B58.71B72.74B61.67B57.1B
Short-Term Debt
297M285M318M000000
Other Liabilities
000-1.51B-1.56B694M16.28B17.16B14.97B
Total Current Liabilities
274.1B277.13B300.69B374.86B470.02B452.04B421.42B426.74B440.87B
Total Non-Current Liabilities
59.09B57.42B60.26B37.78B31.45B59.41B89.02B78.83B72.07B
Total Liabilities
333.18B334.55B360.95B412.64B501.46B511.45B510.44B505.57B512.94B
Total Equity
47.59B▲ 0%
47.77B▲ 0.4%
49.34B▲ 3.3%
54.04B▲ 9.5%
55.73B▲ 3.1%
45.81B▼ 17.8%
51.14B▲ 11.6%
54.47B▲ 6.5%
60.64B▲ 11.3%
Equity Growth %
1.56%0.39%3.29%9.52%3.12%-17.79%11.63%6.51%11.32%
Equity / Assets (Capital Ratio)
12.5%12.49%12.03%11.58%10%8.22%9.11%9.73%10.57%
Return on Equity (ROE)
11.3%11.12%11.06%14.54%10.34%11.9%11.51%11.15%12.05%
Book Value per Share
97.91101.64110.14126.56130.81111.19127.53136.17153.90
Tangible BV per Share
75.2777.8185.86102.03100.9276.2291.0899.57116.80
Common Stock
2.71B2.71B2.71B2.71B2.71B2.71B2.72B2.72B2.72B
Additional Paid-in Capital
16.37B16.28B16.37B15.88B17.46B18.38B19.02B18.71B18.92B
Retained Earnings
35.48B38.92B42.22B46.85B50.23B53.57B56.29B59.28B63.27B
Accumulated OCI
-148M-725M799M2.77B409M-10.17B-7.71B-6.57B-3.41B
Treasury Stock
-6.9B-9.45B-12.78B-14.21B-15.11B-18.72B-19.21B-19.72B-20.91B
Preferred Stock
000000000

PNC Cash Flow Statement

The PNC Financial Services Group, Inc. (PNC) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
5.58B7.84B7.36B4.66B7.21B9.08B10.11B7.88B9.45B
Operating CF Growth %
59.4%40.53%-6.08%-36.72%54.84%25.91%11.32%-22.07%19.95%
Net Income
5.39B5.35B5.42B7.56B5.72B6.11B5.65B5.95B6.89B
Depreciation & Amortization
1.12B1.13B1.31B1.5B1.77B651M217M259M0
Deferred Taxes
-403M133M303M-2.24B178M351M-252M-30M0
Other Non-Cash Items
377M87M546M-1.56B-952M772M2.24B2.29B1.73B
Working Capital Changes
-900M1.15B-219M-596M490M1.2B2.26B-587M834M
Cash from Investing
-14.89B-3.97B-24.99B-51.12B-2.79B-60.36B10.11B-3.23B-20.68B
Purchase of Investments
-19.21B-26.79B-25.49B-45.41B-85.58B-41.01B-5.66B-32.11B-26.05B
Sale/Maturity of Investments
19.33B19.34B23.08B44.81B57.15B22.58B13.96B26.59B25.27B
Net Investment Activity
119M-7.45B-2.41B-597M-28.43B-18.43B8.29B-5.52B-775M
Acquisitions
-1.34B075M14.22B-10.51B0000
Other Investing
-13.67B3.48B-22.65B-64.75B36.15B-41.93B1.81B2.29B-19.91B
Cash from Financing
9.69B-3.51B17.08B48.42B-3.43B3.38B-3.85B-9.12B4.7B
Dividends Paid
-1.5B-1.84B-2.13B-2.21B-2.29B-2.69B-2.88B-2.89B-2.94B
Share Repurchases
-2.45B-2.88B-3.58B-1.62B-1.08B-5.23B-1.65B-1.19B-1.34B
Stock Issued
132M69M90M65M66M2.29B1.56B69M70M
Net Stock Activity
-2.31B-2.81B-3.49B-1.56B-1.01B-2.94B-95M-1.12B-1.27B
Debt Issuance (Net)
1000K-1000K-1000K-1000K-1000K1000K1000K-1000K-1000K
Other Financing
6.84B3.07B24.98B70.94B6.33B-20.97B-14.49B5.23B14.13B
Net Change in Cash
370M▲ 0%
359M▼ 3.0%
-547M▼ 252.4%
1.96B▲ 457.6%
987M▼ 49.5%
-47.89B▼ 4952.2%
16.36B▲ 134.2%
-4.47B▼ 127.3%
-6.54B▼ 46.1%
Exchange Rate Effect
000000000
Cash at Beginning
4.88B5.25B5.61B5.06B7.02B82.25B34.36B50.73B46.25B
Cash at End
5.25B5.61B5.06B7.02B8B34.36B50.73B46.25B39.71B
Interest Paid
1.74B2.83B3.74B1.29B582M2.17B9.45B13.05B0
Income Taxes Paid
72M372M430M3.41B675M197M997M434M0
Free Cash Flow
5.58B▲ 0%
7.84B▲ 40.5%
7.36B▼ 6.1%
4.66B▼ 36.7%
7.21B▲ 54.8%
9.08B▲ 25.9%
10.11B▲ 11.3%
7.88B▼ 22.1%
9.45B▲ 19.9%
FCF Growth %
59.4%40.53%-6.08%-36.72%54.84%25.91%11.32%-22.07%19.95%

PNC Banking Ratios

The PNC Financial Services Group, Inc. (PNC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
8.41%11.3%11.12%11.06%14.54%10.34%11.9%11.51%11.15%12.05%
Return on Assets (ROA)
1.08%1.43%1.39%1.35%1.71%1.11%1.08%1%1.05%1.22%
Net Interest Margin
2.29%2.39%2.54%2.43%2.13%1.91%2.34%2.48%2.41%2.51%
Efficiency Ratio
57.7%57.65%54.04%51.24%56.38%66.01%55.96%43.92%37.9%44.58%
Equity / Assets
12.79%12.5%12.49%12.03%11.58%10%8.22%9.11%9.73%10.57%
Book Value / Share
93.7197.91101.64110.14126.56130.81111.19127.53136.17153.9
NII Growth
1.37%8.54%6.73%2.51%-0.19%7.05%22.23%6.93%-3%6.75%
Dividend Payout
27.18%23.72%30.2%35.3%26.34%36.24%39.58%44.12%43.08%37.99%
Related:PNC Dividend History·PNC Revenue History·PNC Price History·PNC P/E History·PNC Financial Ratios·PNC Institutional Holders

PNC SEC Filings & Documents

The PNC Financial Services Group, Inc. (PNC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 15, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Jan 26, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 20, 2026·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 3, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

PNC Frequently Asked Questions

The PNC Financial Services Group, Inc. (PNC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

The PNC Financial Services Group, Inc. (PNC) saw revenue decline by 7.0% over the past year.

Yes, The PNC Financial Services Group, Inc. (PNC) is profitable, generating $6.94B in net income for fiscal year 2025 (22.1% net margin).

Dividend & Returns

Yes, The PNC Financial Services Group, Inc. (PNC) pays a dividend with a yield of 2.88%. This makes it attractive for income-focused investors.

The PNC Financial Services Group, Inc. (PNC) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics

The PNC Financial Services Group, Inc. (PNC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

The PNC Financial Services Group, Inc. (PNC) has an efficiency ratio of 44.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PNC back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

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How much would $100/month in PNC be worth today?

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