PNC Financial (0KEF) Price & Analysis
0KEF Stock Chart & Stats
- Day’s Range
- $227.04 - $236.47
- 52-Week Range
- $176.36 - $268.00
- Previous Close
- $231.20
- Volume
- 181
- Average Volume (3M)
- 443
- Market Cap
- $90.46B
- Enterprise Value
- $186.33B
- Total Cash (Recent Filing)
- $176.79B
- Total Debt (Recent Filing)
- $79.76B
- Price to Earnings (P/E)
- 12.1
- Beta
- 0.81
- Next Earnings
- Jan 15, 2027
- EPS Estimate
- 5.04
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 3.24%
Bulls Say, Bears Say
Bulls Say
Loan And Deposit Growth
Strong loan and deposit growth indicates PNC is expanding both earning assets and core funding, supporting future net interest income. Broad balance-sheet growth also demonstrates continued customer acquisition and provides a durable platform for scaling banking revenues over the next several quarters.
Diversified Fee Businesses
Broad-based fee growth reduces reliance on lending spreads and creates multiple recurring or activity-driven revenue streams. Strength across wealth, payments, treasury and capital markets can improve earnings resilience when interest margins or loan demand become less favorable.
Strong Credit Quality
Low nonperforming loans, delinquencies and charge-offs support the durability of PNC’s earnings by limiting credit losses and preserving capital. Healthy portfolio performance gives the bank greater flexibility to pursue loan growth while maintaining confidence in balance-sheet resilience.
Bears Say
Higher Balance-Sheet Leverage
The increase in leverage reduces financial flexibility and makes earnings more sensitive to funding costs, credit deterioration and changing market conditions. Although capital remains adequate, a higher debt burden can constrain balance-sheet management if growth requires continued external funding.
Contracting TTM Revenue
Revenue contraction indicates that recent earnings improvement has depended more on profitability and cost or mix benefits than on sustained top-line expansion. If revenue growth remains uneven, PNC may have less operating leverage and a weaker base for compounding earnings over coming quarters.
Greater Wholesale Funding Use
The rise in wholesale borrowings increases reliance on funding markets and can raise interest expense relative to stable customer deposits. If deposit growth does not keep pace with loan expansion, funding costs and liquidity management could weigh on margins and limit the benefits of balance-sheet growth.
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PNC Financial Stock Smart Score
Company Description
PNC Financial
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- William S. Demchak
- Employees
- 55,572
- Website
- www.pnc.com
- Address
- The Tower at PNC Plaza, Pittsburgh, PA, 15222-2401, US
PNC Financial (0KEF) Earnings & Revenues
0KEF Company Deck
0KEF Earnings Call
Earnings Call SentimentPositive
The call presented a strong quarter with substantial revenue and EPS growth, robust loan growth, broad-based fee income strength, solid credit metrics, and continued capital returns (dividend increase and buybacks). Management acknowledged modest integration and one-time items, some near-term fee and margin volatility, and a temporary increase in wholesale borrowings, but provided constructive full-year guidance (notably NII +15–15.5% and loan growth ~12.5%) and reiterated execution on strategic initiatives. Overall the positives materially outweigh the negatives.
View all GB:0KEF earnings summaries0KEF Net sales Breakdown
- 62.38% Net interest income
- 37.62% Noninterest income
0KEF Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 4 | 9 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 6 | 0 | 6 |