PNC Financial (PNC) AI Stock Analysis

• Market Cap: $71.64B
• Dividend Yield: 3.64%
• Average Volume (3M): 1.97M
• Price to Earnings (P/E): 11.7
• Beta (1Y): 1.06
• Revenue Growth: 1.94%
• EPS Growth: 30.93%
• Country: US
• Employees: 53,686
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 4.35
• Shares Outstanding: 393,807,370
• 10 Day Avg. Volume: 3,032,437
• 30 Day Avg. Volume: 1,967,594
• PEG Ratio: 1.74
• Price to Book (P/B): 1.41
• Price to Sales (P/S): 2.28
• P/FCF Ratio: 9.76
• Enterprise Value/Market Cap: 1.45
• Enterprise Value/Revenue: 3.06
• Enterprise Value/Gross Profit: 4.88
• Enterprise Value/Ebitda: 13.11
• 1Y Price Target: $223.09
• Price Target Upside: 23.12% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 19

• Rating: 77 Outperform
• Price Target: $215.00 ▲(18.65% Upside)

PNC Financial's overall stock score of 77 reflects its strong financial performance and positive earnings call sentiment. The company's robust revenue growth, solid profitability, and strategic initiatives contribute significantly to the score. While technical analysis indicates some short-term challenges, the attractive valuation and dividend yield provide a compelling investment case. Economic uncertainties and specific sector challenges are noted but do not overshadow the company's strengths.

Positive Factors

Revenue Growth

PNC's consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Strategic Expansion

Strategic expansion through new branches and acquisitions enhances PNC's market presence and growth potential in key regions.

Strong Non-Interest Income

Growth in non-interest income diversifies revenue streams, reducing reliance on interest rate fluctuations and enhancing financial resilience.

Negative Factors

Pressure on Net Interest Margin

Decreased net interest margin could impact profitability, as it reflects challenges in managing interest rate spreads amid changing economic conditions.

Increased Non-Interest Expense

Rising non-interest expenses may pressure profit margins, necessitating efficiency improvements to maintain financial performance.

Economic Uncertainty

Economic uncertainties pose risks to PNC's growth prospects, potentially affecting loan demand and credit quality in the medium term.

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 solid financial health with strong profitability metrics and a stable balance sheet. Effective cost management and cash flow generation underpin their financial stability, although attention to revenue growth and debt levels is advisable to sustain long-term growth.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	33.85B	33.69B	31.90B	23.54B	19.70B	18.26B
Gross Profit	21.24B	20.01B	20.75B	20.64B	19.99B	13.73B
EBITDA	7.91B	7.50B	6.95B	8.12B	8.76B	4.93B
Net Income	6.21B	5.89B	5.58B	6.04B	5.67B	7.52B
Balance Sheet
Total Assets	559.11B	560.04B	561.58B	557.26B	557.19B	466.68B
Cash, Cash Equivalents and Short-Term Investments	97.53B	55.64B	92.51B	78.52B	213.79B	179.55B
Total Debt	60.42B	61.67B	72.74B	58.71B	33.00B	39.29B
Total Liabilities	501.45B	505.57B	510.44B	511.45B	501.46B	412.64B
Stockholders Equity	57.61B	54.42B	51.10B	45.77B	55.70B	54.01B
Cash Flow
Free Cash Flow	6.06B	7.88B	10.11B	9.08B	7.21B	4.66B
Operating Cash Flow	6.06B	7.88B	10.11B	9.08B	7.21B	4.66B
Investing Cash Flow	-9.34B	-3.23B	10.11B	-60.36B	-2.79B	-51.12B
Financing Cash Flow	-5.61B	-9.12B	-3.85B	3.38B	-3.43B	48.42B

PNC Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 181.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 181.2 is below the 20-day moving average (MA) of 189.85, below the 50-day MA of 195.67, and below the 200-day MA of 182.20, indicating a bearish trend. The MACD of -4.76 indicates Positive momentum. The RSI at 35.36 is Neutral, neither overbought nor oversold. The STOCH value of 30.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PNC.

PNC Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNC	77 Outperform	$71.64B	11.74	11.31%	3.64%	1.94%	30.93%
HBAN	74 Outperform	$24.97B	11.17	10.37%	3.91%	5.99%	38.40%
USB	73 Outperform	$74.09B	10.90	11.71%	4.27%	2.95%	33.77%
TFC	71 Outperform	$56.52B	11.75	7.98%	4.77%	21.90%	―
MTB	70 Outperform	$28.40B	11.19	9.61%	3.05%	-0.66%	20.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FITB	67 Neutral	$27.91B	12.61	11.52%	3.62%	-1.74%	11.62%

PNC Financial Corporate Events

PNC Financial Services Reports Strong Q3 2025 Results

PNC Financial Services Group, Inc. is a major diversified financial services institution in the United States, offering retail and business banking, corporate banking, real estate finance, asset-based lending, and wealth management services.

PNC Financial Services Reports Strong Earnings Amid Challenges

PNC Financial Services recently held its earnings call, revealing a strong financial performance marked by record revenue and net income. The sentiment expressed during the call was largely positive, with the company showcasing solid growth in loans and deposits, alongside strategic acquisitions. However, challenges such as a decline in commercial real estate loans, pressure on net interest margin, and increased expenses were acknowledged. Despite these hurdles, PNC remains optimistic about its future growth, although it exercises caution due to economic uncertainties.

PNC Financial Reports Strong Q3 2025 Results

On October 15, 2025, PNC Financial Services Group, Inc. reported strong financial results for the third quarter of 2025, with a net income of $1.8 billion and earnings per share of $4.35. The company achieved record revenue driven by increased net interest income and fee growth, while maintaining well-controlled expenses. PNC also announced an agreement to acquire FirstBank, which is expected to accelerate growth in strategic markets. The company demonstrated strong credit quality and increased liquidity and capital positions, with significant growth in loans and deposits.

The most recent analyst rating on (PNC) stock is a Buy with a $213.50 price target. To see the full list of analyst forecasts on PNC Financial stock, see the PNC Stock Forecast page.

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.

The most recent analyst rating on (PNC) stock is a Buy with a $220.00 price target. To see the full list of analyst forecasts on PNC Financial stock, see the PNC Stock Forecast page.