PNC Financial (PNC) AI Stock Analysis

• Market Cap: $80.25B
• Dividend Yield: 3.22%
• Average Volume (3M): 1.57M
• Price to Earnings (P/E): 13.9
• Beta (1Y): 1.05
• Revenue Growth: 3.60%
• EPS Growth: 22.68%
• Country: US
• Employees: 53,686
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 3.85
• Shares Outstanding: 393,807,370
• 10 Day Avg. Volume: 1,646,361
• 30 Day Avg. Volume: 1,573,538
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.69
• Enterprise Value/Revenue: 4.06
• Enterprise Value/Gross Profit: 6.69
• Enterprise Value/Ebitda: 17.50
• 1Y Price Target: $213.70
• Price Target Upside: 5.85% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 20

• Rating: 79 Outperform
• Price Target: $220.00 ▲(8.97% Upside)

PNC Financial's overall stock score reflects its strong financial performance, strategic growth initiatives, and positive technical indicators. The company's effective management and strategic acquisitions bolster its market position, while a reasonable valuation and attractive dividend yield provide additional investor appeal. However, attention to economic uncertainties and revenue growth sustainability is necessary.

Positive Factors

Strategic Acquisition

The acquisition of FirstBank Holding expands PNC's market presence in Colorado and Arizona, enhancing its branch network and customer base, which supports long-term growth and competitive positioning.

Cash Flow Generation

Efficient cash generation from operations indicates robust financial health, providing PNC with the flexibility to invest in growth opportunities and manage debt effectively.

Loan Growth Outlook

Positive loan growth projections suggest sustained demand for PNC's lending services, contributing to revenue stability and supporting its strategic expansion initiatives.

Negative Factors

Rising Debt Levels

Increased debt levels could pressure PNC's financial flexibility, potentially affecting its ability to invest in growth or respond to economic downturns.

Revenue Growth Challenges

Negative revenue growth indicates challenges in expanding the top line, which could impact long-term profitability if not addressed through strategic initiatives.

Economic Uncertainty

Economic uncertainty affecting fee income guidance may lead to revenue volatility, challenging PNC's ability to maintain consistent growth in non-interest income streams.

PNC Financial Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

PNC generates revenue primarily through its diverse banking services, which include net interest income and non-interest income. Net interest income comes from the difference between the interest earned on loans and the interest paid on deposits. The company issues various loans—such as personal loans, mortgages, and commercial loans—which contribute significantly to this income stream. Non-interest income is derived from fees for services like asset management, treasury management, and investment banking. Additionally, PNC earns revenue from wealth management services and investment advisory fees. The bank also has strategic partnerships and collaborations that enhance its service offerings and expand its customer base, further contributing to its earnings.

PNC Financial Financial Statement Overview

Summary

PNC Financial exhibits strong profitability metrics and a stable balance sheet, with effective cost management and cash flow generation. However, challenges remain with revenue growth and rising debt levels.

Income Statement

PNC Financial demonstrated strong profitability with a stable gross profit margin reflecting consistent performance in TTM (Trailing-Twelve-Months). The net profit margin and EBIT margin remained robust, showcasing efficient cost management. However, revenue growth was slightly negative in the most recent annual report, indicating some challenges in expanding their top line.

Balance Sheet

The balance sheet reveals a sound financial position with a moderate debt-to-equity ratio, indicating balanced leverage. Return on equity is healthy, reflecting effective use of shareholders' funds to generate profit. The equity ratio is stable, showcasing adequate equity financing, though the rising debt levels warrant monitoring.

Cash Flow

PNC's cash flow statement highlights a strong operating cash flow to net income ratio, implying efficient cash generation from operations. Free cash flow growth, however, has been inconsistent, suggesting potential volatility in capital expenditure or cash management strategies.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	33.69B	31.90B	23.54B	19.70B	18.26B
Gross Profit	20.01B	20.75B	20.64B	19.99B	13.73B
EBITDA	7.50B	6.95B	8.12B	8.76B	4.93B
Net Income	5.89B	5.58B	6.04B	5.67B	7.52B
Balance Sheet
Total Assets	560.04B	561.58B	557.26B	557.19B	466.68B
Cash, Cash Equivalents and Short-Term Investments	55.64B	92.51B	78.52B	213.79B	179.55B
Total Debt	61.67B	72.74B	58.71B	33.00B	39.29B
Total Liabilities	505.57B	510.44B	511.45B	501.46B	412.64B
Stockholders Equity	54.42B	51.10B	45.77B	55.70B	54.01B
Cash Flow
Free Cash Flow	7.88B	10.11B	9.08B	7.21B	4.66B
Operating Cash Flow	7.88B	10.11B	9.08B	7.21B	4.66B
Investing Cash Flow	-3.23B	10.11B	-60.36B	-2.79B	-51.12B
Financing Cash Flow	-9.12B	-3.85B	3.38B	-3.43B	48.42B

PNC Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 201.89
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PNC, the sentiment is Positive. The current price of 201.89 is above the 20-day moving average (MA) of 200.32, above the 50-day MA of 195.99, and above the 200-day MA of 184.02, indicating a bullish trend. The MACD of 3.07 indicates Positive momentum. The RSI at 55.36 is Neutral, neither overbought nor oversold. The STOCH value of 29.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PNC.

PNC Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNC	79 Outperform	$80.25B	13.92	11.19%	3.22%	3.60%	22.68%
HBAN	78 Outperform	$25.99B	13.20	10.43%	3.51%	6.06%	28.03%
USB	77 Outperform	$75.71B	11.64	11.64%	4.07%	1.10%	32.55%
FITB	76 Outperform	$30.11B	14.16	11.58%	3.26%	1.90%	2.87%
MTB	76 Outperform	$31.13B	12.91	9.47%	2.80%	0.69%	14.79%
TFC	69 Neutral	$59.33B	12.50	8.13%	4.61%	18.31%	―
Sector *	68 Neutral	$17.85B	11.54	9.95%	3.76%	9.70%	1.08%

PNC Financial Corporate Events

PNC Financial Announces Acquisition of FirstBank Holding

On September 8, 2025, PNC Financial Services Group announced a definitive agreement to acquire FirstBank Holding Company, significantly expanding its presence in Colorado and Arizona. This strategic acquisition will triple PNC’s branch network in Colorado and enhance its market position in Denver and Arizona, aligning with PNC’s strategy to scale through organic growth and acquisitions. The transaction, valued at $4.1 billion, is expected to close in early 2026, subject to approvals. PNC plans to retain FirstBank’s branches and employees, ensuring continuity and leveraging FirstBank’s community relationships to enhance its corporate and private banking services.

PNC Financial Completes $1.5 Billion Senior Notes Sale

On July 21, 2025, PNC Financial Services Group, Inc. successfully completed the sale of $1.5 billion in 5.373% Fixed Rate/Floating Rate Senior Notes due in 2036. This strategic financial move, executed with major financial institutions like Citigroup and Goldman Sachs, is expected to bolster PNC’s financial standing and potentially enhance its market position.

PNC Financial Reports Strong Q2 2025 Results

On July 16, 2025, PNC Financial Services Group reported strong financial results for the second quarter of 2025, with a net income of $1.6 billion and a 4% revenue growth. The company experienced its strongest loan growth since the fourth quarter of 2022, maintained stable noninterest expenses, and announced a dividend increase, reflecting its continued financial strength. PNC’s strategic priorities include expanding its client base and leveraging technology for superior client service, which contributed to record treasury management revenue and increased brokerage assets. The company also reported improved credit quality and maintained its stress capital buffer at the regulatory minimum.