PNC Financial Services (PNC)
NYSE:PNC
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PNC Stock Chart & Stats
$224.81
-$1.29(-0.66%)
At close: 4:00 PM EST
$224.81
-$1.29(-0.66%)
Day’s Range― - ―
52-Week Range$172.73 - $243.94
Previous CloseN/A
Volume448.51K
Average Volume (3M)1.73M
Market Cap
$88.75B
Enterprise Value$123.76B
Total Cash (Recent Filing)$185.32B
Total Debt (Recent Filing)$66.67B
Price to Earnings (P/E)12.4
Beta0.94
Next Earnings
Jul 15, 2026EPS Estimate
4.33Next Dividend Ex-DateN/A
Dividend Yield3.11%
Share Statistics
EPS (TTM)17.23
Shares Outstanding401,564,640
10 Day Avg. Volume1,644,710
30 Day Avg. Volume1,729,143
Financial Highlights & Ratios
PEG Ratio0.57
Price to Book (P/B)1.36
Price to Sales (P/S)2.62
P/FCF Ratio18.76
Enterprise Value/Market Cap1.39
Enterprise Value/Revenue3.86
Enterprise Value/Gross Profit5.37
Enterprise Value/Ebitda14.02
Forecast
1Y Price Target
$252.46Price Target Upside12.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering14
EPS Forecast (FY)18.45
Revenue Forecast (FY)$25.80B
Bulls Say, Bears Say
Bulls Say
Acquisition-driven Balance Sheet ExpansionClosing FirstBank materially enlarged PNC's deposit and loan base, creating durable scale benefits. Added low‑cost deposits and $15B of loans support funding stability and cross‑sell opportunities, improving structural NII prospects and geographic diversification over the medium term.
Loan Growth And NII MomentumSustained organic loan growth—including stronger C&I lending—combined with expanding NIM shows durable core margin improvement. As lending scale and mix improve, net interest income becomes a repeatable earnings driver, supporting longer‑term profitability even as cyclical headwinds ebb.
Improved Cash Generation And ProfitabilityMaterial free cash flow growth and strong earnings‑to‑cash conversion indicate robust internal funding capacity. Reliable cash generation supports dividends, buybacks and reinvestment, enhancing financial flexibility to manage capital needs and drive shareholder returns over multiple quarters.
Bears Say
Elevated LeverageA debt-to-equity ratio near 1.05x and sizable absolute debt raise sensitivity to credit stress and interest rate changes. Low operating cash flow relative to total debt (~1.3%) limits rapid deleveraging ability, constraining capital flexibility and increasing medium‑term funding and regulatory risk.
Declining Revenue TrendRevenue contraction across the trailing twelve months signals structural pressure in fee and noninterest channels. Even with margin recovery, persistent top‑line weakness could cap sustainable earnings growth and makes the franchise more reliant on interest income and cost control to sustain profits.
Acquisition-related Capital And Expense PressureThe FirstBank deal and associated integration costs have compressed tangible book and CET1 capital, creating ongoing capital management demands. Merger charges and near‑term expense pressure can limit organic capital generation and heighten sensitivity to future regulatory or RWA changes.
PNC Financial News
PNC FAQ
What was PNC Financial Services’s price range in the past 12 months?
PNC Financial Services lowest stock price was $172.73 and its highest was $243.94 in the past 12 months.
What is PNC Financial Services’s market cap?
PNC Financial Services’s market cap is $88.75B.
When is PNC Financial Services’s upcoming earnings report date?
PNC Financial Services’s upcoming earnings report date is Jul 15, 2026 which is in 41 days.
How were PNC Financial Services’s earnings last quarter?
PNC Financial Services released its earnings results on Apr 15, 2026. The company reported $4.13 earnings per share for the quarter, beating the consensus estimate of $3.931 by $0.199.
Is PNC Financial Services overvalued?
According to Wall Street analysts PNC Financial Services’s price is currently Undervalued.
Does PNC Financial Services pay dividends?
PNC Financial Services pays a Quarterly dividend of $1.7 which represents an annual dividend yield of 3.11%. See more information on PNC Financial Services dividends here
What is PNC Financial Services’s EPS estimate?
PNC Financial Services’s EPS estimate is 4.33.
How many shares outstanding does PNC Financial Services have?
PNC Financial Services has 401,564,640 shares outstanding.
What happened to PNC Financial Services’s price movement after its last earnings report?
PNC Financial Services reported an EPS of $4.13 in its last earnings report, beating expectations of $3.931. Following the earnings report the stock price went up 0.389%.
Which hedge fund is a major shareholder of PNC Financial Services?
Currently, no hedge funds are holding shares in PNC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PNC Financial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$252.46 (12.30% Upside)
$252.46 (12.30% Upside)
Blogger Sentiment
Bullish
PNC Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 4.5M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $9.9M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.7%
Last 30 Days ▼ 1.4%
Last 30 Days ▼ 1.4%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
27.96%
12-Months-Change
Fundamentals
Return on Equity
11.98%
Trailing 12-Months
Asset Growth
8.71%
Trailing 12-Months
Company Description
PNC Financial Services
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.
PNC Company Deck
PNC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong balance sheet growth (including the FirstBank acquisition), robust loan growth and NII expansion, double-digit fee income growth year-over-year, solid credit metrics and active capital returns, supported by a favorable initial assessment of proposed Basel III changes. Offsetting items included short-term declines in noninterest income (notably mortgage MSR volatility), integration costs and modest increases in delinquencies and charge-offs. Management maintained constructive guidance for 2026 and reiterated confidence in the low-risk profile of NDFI-related exposures.View all PNC earnings summariesPNC Revenue Breakdown
62.38% Net interest income
37.62% Noninterest income
PNC Stock 12 Month Forecast
Average Price Target
$252.46
▲(12.30% Upside)
Technical Analysis
Ownership Overview
0.31% Insiders
25.06% Mutual Funds
15.91% Other Institutional Investors
35.02% Public Companies and Individual Investors