PNC Financial is one of the three super-regional banks in the US, with around $574 billion in total assets at the end of Dec. 30, 2025. Headquartered in Pittsburgh, Pennsylvania, PNC Financial has a coast-to-coast branch network, with a strong presence in the US Midwest and Northeast. It closed its acquisition of FirstBank in January 2026, which added around $26 billion in assets to its balance sheet, and PNC is currently expanding in the Southern and Western regions of the US. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, asset management, and investment banking. PNC derived around 38% of revenue from fee income and 62% from net interest income in 2025.
Employees55,333IPOSep 27, 2017SIC6021HQ300 Fifth Avenue, The Tower at PNC Plaza, Pittsburgh, PA, USA, 15222-2401
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Financials (EUR)
Profitability
Metric
Current
Margins
Gross Margin
—
Operating Margin
—
EBITDA Margin
—
Net Margin
30.1%
OCF Margin
18.5%
FCF Margin
18.5%
Returns on Capital
ROE
12.0%
ROA
1.2%
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)
12.42
Forward P/E
11.29
P/E ex-NRI
12.61
Shiller P/E (CAPE)
13.94
Cash Flow Multiples
P/FCF
18.60
P/OCF
18.60
P/Owner Earnings
—
FCF Yield
5.27%
Enterprise Value Multiples
EV / EBIT
—
EV / Forward EBIT
—
EV / EBITDA
—
EV / Forward EBITDA
—
EV / Revenue
4.36
EV / Forward Revenue
5.47
Asset / Sales
P/S
3.54
P/B
1.33
P/Tangible Book
1.75
Growth-Adjusted
PEG
3.60
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
3.28%
Forward Dividend Yield
3.26%
3Y Dividend Growth
4.7%
Payout Ratio
0.40
5Y Yield on Cost
4.66%
Buybacks & Dilution
3Y Buyback Ratio
0.90%
5Y Share Change
−7.3%
Combined
Shareholder Yield
14.78%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
0.94
Gross Debt / EBITDA
—
Cash / Debt
0.70
Equity / Assets
0.11
Coverage
Interest Coverage
—
Short-Term Liquidity
Current Ratio
0.00
Quick Ratio
0.00
Cash Ratio
0.00
Composite Scores
Piotroski F-Score
8
Altman Z-Score
—
Split History
Date
Split
No split history found.
Ex-date
Amount
Pay date
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
2024-06-10
2024-01-12
$1.55
2024-02-05
2023-10-16
$1.55
2023-11-06
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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
10 of 67
5-Step DuPont Analysis
ROE %
11.66%
×
×
Net Margin %
30.00%
×
×
Operating Margin %
—
Operating Income
—
÷
Revenue
€20.16B
×
Tax Burden
0.8170
Net Income
€6.05B
÷
Pretax Income
€7.40B
×
Interest Burden
—
Pretax Income
€7.40B
÷
Operating Income
—
×
Asset Turnover
0.04
÷
Revenue
€20.16B
÷
Average Total Assets
€512.33B
Begin Total Assets
€534.84B
End Total Assets
€489.83B
×
Equity Multiplier
9.88
÷
Avg Total Assets
€512.33B
÷
Avg Stockholders Equity
€51.86B
Begin Equity
€51.98B
End Equity
€51.74B