PNC Financial Services Group (PNC) is a large U.S. regional bank with over $600 billion in assets. It operates a nationwide branch network with particular density in the Midwest and Northeast, and is actively expanding in the South and West.
The bank serves retail customers (checking, savings, mortgages, cards) and businesses of all sizes (commercial loans, treasury management, investment banking, asset management). It recently acquired FirstBank, adding ~$26 billion in assets.
Revenue splits roughly 62% from net interest income (the spread between lending and deposit rates) and 38% from fees (card services, wealth management, investment banking, and treasury services).
Employees55,333IPOFeb 18, 1975SIC6021HQ300 Fifth Avenue, The Tower at PNC Plaza, Pittsburgh, PA, USA, 15222-2401
to
Financials
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
31.1%
OCF Margin
27.8%
FCF Margin
27.8%
Returns on Capital
ROE
12.5%
ROA
1.3%
ROIC
—
ROCE
0.0%
ROC (Greenblatt)
0.0%
3Y ROIIC
0.0%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
11.97
Forward P/E
11.45
P/E ex-NRI
11.97
Shiller P/E (CAPE)
14.25
Cash Flow Multiples
P/FCF
12.69
P/OCF
12.69
P/Owner Earnings
—
FCF Yield
7.86%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
5.89
EV / Forward Revenue
6.55
Asset / Sales
P/S
3.53
P/B
1.36
P/Tangible Book
1.85
Growth-Adjusted
PEG
3.42
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
3.25%
Forward Dividend Yield
3.67%
3Y Dividend Growth
4.7%
Payout Ratio
0.37
5Y Yield on Cost
4.17%
Buybacks & Dilution
3Y Buyback Ratio
0.90%
5Y Share Change
−7.3%
Combined
Shareholder Yield
9.67%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.34
Gross Debt / EBITDA
—
Cash / Debt
0.34
Equity / Assets
0.10
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
6
Altman Z-Score
—
Split History
Date
Split
1992-11-16
2:1
1985-07-02
2:1
1982-05-21
2:1
Ex-date
Amount
Pay date
2026-07-20
$2
2026-08-05
2026-04-14
$1.7
2026-05-05
2026-01-20
$1.7
2026-02-05
2025-10-14
$1.7
2025-11-05
2025-07-15
$1.7
2025-08-05
2025-04-16
$1.6
2025-05-05
2025-01-15
$1.6
2025-02-05
2024-10-16
$1.6
2024-11-05
2024-07-15
$1.6
2024-08-05
2024-04-12
$1.55
2024-05-05
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View allDate
Transcript
Type
2026-07-15
Q2 2026 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2026-06-09
PNC Financial Services Group Inc at Morgan Stanley US Financials Conference Transcript
Conference Presentations
2026-04-15
Q1 2026 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2026-01-16
Q4 2025 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2025-12-09
PNC Financial Services Group Inc at Goldman Sachs U.S. Financial Services Conference Transcript
Conference Presentations
2025-10-15
Q3 2025 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2025-07-16
Q2 2025 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2025-04-15
Q1 2025 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2025-01-16
Q4 2024 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
2024-10-15
Q3 2024 PNC Financial Services Group Inc Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
12.54%
×
×
Net Margin %
31.07%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
$24.55B
×
Tax Burden
0.8124
Net Income
$7.63B
÷
Pretax Income
$9.39B
×
Interest Burden
—
Pretax Income
$9.39B
÷
Operating Income
—
×
Asset Turnover
0.04
÷
Revenue
$24.55B
÷
Average Total Assets
$587.57B
Begin Total Assets
$559.11B
End Total Assets
$616.03B
×
Equity Multiplier
9.66
÷
Avg Total Assets
$587.57B
÷
Avg Stockholders Equity
$60.81B
Begin Equity
$57.61B
End Equity
$64.01B
Top institutional holders
Q2 2026| Holder | Shares | % Owned | Chg. shares | |
|---|---|---|---|---|
| BlackRock, Inc. | 32.2M | 7.98% | +196.4K | $7.92B |
| VANGUARD CAPITAL MANAGEMENT LLC | 26.2M | 6.50% | +3.0K | $6.45B |
| STATE STREET CORP | 18.4M | 4.57% | +765.1K | $4.54B |
| FMR LLC | 14.3M | 3.53% | -1.4M | $3.51B |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 10.6M | 2.63% | +842.9K | $2.61B |
| NORGES BANK | 10.1M | 2.52% | new | $2.50B |
| GEODE CAPITAL MANAGEMENT, LLC | 9.5M | 2.36% | +113.7K | $2.33B |
| BANK OF AMERICA CORP /DE/ | 8.5M | 2.12% | +548.5K | $2.10B |
| FRANKLIN RESOURCES INC | 8.4M | 2.09% | -189.0K | $2.07B |
| Capital Research Global Investors | 7.7M | 1.91% | -1.0M | $1.89B |
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View allTop insider holdings
as reported| Insider | Shares held | % Owned | |
|---|---|---|---|
| Parsley E William IIIOfficer | 198.3K | 0.0492% | $43.12M |
| Reilly Robert QOfficer | 183.7K | 0.0455% | $39.94M |
| Henn Vicki C.Officer | 51.3K | 0.0127% | $11.15M |
| Deborah GuildOfficer | 36.5K | 0.0090% | $7.92M |
| Wierenga AmyOfficer | 24.2K | 0.0060% | $5.27M |
| Fallon Kieran JohnOfficer | 20.5K | 0.0051% | $4.45M |
| Overstrom Alexander E. C.Officer | 19.6K | 0.0049% | $4.27M |
| Cestello Louis RobertOfficer | 18.9K | 0.0047% | $4.10M |
| DEMCHAK WILLIAM SOfficer | — | — | — |
| Feldstein Andrew TDirector | — | — | — |
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View allRecent insider activity
through Aug 13, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Juchno Stacy M.Officer | Open-Market or Private Sale | -3.4K | $858.1K | Aug 13, 2026 |
| Deborah GuildOfficer | Open-Market or Private Sale | -1.2K | $302.6K | Jul 22, 2026 |
| Deborah GuildOfficer | Gift | -72 | $0 | Jul 22, 2026 |
| Thomas Michael DuaneOfficer | Open-Market or Private Sale | -1.5K | $357.2K | Jun 12, 2026 |
| Overstrom Alexander E. C.Officer | Open-Market or Private Sale | -1.5K | $342.0K | Jun 8, 2026 |
| Novosel StephanieOfficer | Open-Market or Private Sale | -1.8K | $411.7K | Jun 5, 2026 |
| Feldstein Andrew TDirector | Open-Market or Private Sale | -23.0K | $5.07M | May 26, 2026 |
| Feldstein Andrew TDirector | Open-Market or Private Sale | -18.0K | $3.97M | May 26, 2026 |
| Feldstein Andrew TDirector | Open-Market or Private Sale | -4.0K | $882.3K | May 26, 2026 |
| Wiedman MarkOfficer | Grant/Award (Rule 16b-3(d)) | +4.6K | $0 | Apr 17, 2026 |
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View all