PNC

The PNC Financial Services Group, Inc.

Fundamental data last updated:May 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/15/2026

Business Summary

The 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.

 


VALUATION

P/E

12.23

Market Cap ($M USD)

$86.17B

Forward P/E

11.03

PEG

1.01

PRICE TO SALES

2.69

PRICE TO BOOK

1.39

EV / EBITDA

13.72

5-Year Average P/E

Free Cash Flow Yield

7.92%

DCF Value

$126.36

Graham Number

$247.20

Price to FCF

12.63

EV to FCF

17.76

Earnings Yield

8.18%

FCF Yield

7.92%

DIVIDEND

Yield

3.17%

Annual Payout

$6.80

Payout Ratio

41.61%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$17.55

Next Year EPS Growth Estimate

$19.46

Next Year Revenue Growth Estimate

$2.00T

Return on Equity (ROE)

11.98%

FREE CASH FLOW

Operating Margin

27.54%

Debt-to-Equity

0.94

Piotroski F-Score

6

Altman Z-Score

-0.33

Return on Invested Capital (ROIC)

11.21%

Current Ratio

0.36

Quick Ratio

0.36

Net Debt to EBITDA

3.96

Interest Coverage

0.82

Gross Profit margin

71.88%

FCF PER SHARE

$16.59

REVENUE PER SHARE

$77.97

Gainseekers Quantitative Analysis

Summary

PNC’s current valuation paints a picture of a stock trading at a premium relative to its intrinsic value. With a DCF value significantly below its snapshot price and a Graham Number that suggests overvaluation, the market seems to be pricing in a flawless execution. The Forward P/E of 11.03 and an Earnings Yield of 8.18% indicate moderate growth expectations, yet the negative Altman Z-score raises red flags about financial stability. This juxtaposition of growth potential and financial risk demands a cautious approach.

AI Exposure / Tech Reliance

Operating in the regional banking sector, PNC is well-positioned to leverage AI and tech advancements for operational efficiency and customer service enhancement. The financial services industry is ripe for digital transformation, and PNC's ability to integrate these technologies could bolster its competitive edge. However, the traditional nature of banking may slow rapid adaptation compared to tech-native firms.

The Bull Case

For the value-driven investor, PNC offers compelling reasons to consider a position. The ROIC of 11.21% and a Piotroski F-Score of 6 suggest solid capital efficiency and operational health. Coupled with a robust operating margin of 27.54%, PNC demonstrates strong pricing power and effective cost management. The FCF Yield, though modest, indicates a capacity for generating cash, making it an attractive option for those seeking stability and growth.

The Bear Case

Despite some strengths, PNC faces significant structural risks. The Price/Book ratio of 1.39 and Price/Sales of 2.69 suggest a valuation that may not be justified by its fundamentals. The negative Altman Z-score and low interest coverage ratio highlight potential financial distress. Additionally, trading close to its 52-week high, the stock appears technically overextended, raising concerns about its sustainability at these levels.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$252.63

Institutional Ownership %

1-Year Beta

0.93

Insider Buying % (6 Mo)

Distance to 52-Week High

13.68%

Distance to 52-Week Low

21.10%

EARNINGS SURPRISE %

5.09%

50-DAY SMA

$213.82

200-DAY SMA

$205.63

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.