PNC Financial Services Group logo

PNC Financial Services Group (PNC)

Common Stock · Currency in USD · XNYS

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.

Company Info

SIC6021
Composite FIGIBBG000BRD0D8
CIK0000713676
IPOFeb 18, 1975
Sectornational commercial banks

Highlights

Market Cap$85.39B
EPS$17.44
P/E Ratio11.72
Revenue$23.15B
Gross Profit$23.66B
Net Income$7.29B
Employees55,333
WSO403,370,923
Phone888-762-2265

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Analysis

Share Price Chart

Performance Chart

The chart shows the growth of an initial investment of $10,000 in PNC Financial Services Group, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.

Returns By Period

PNC Financial Services Group (PNC) has returned 1.42% so far this year and 40.54% over the past 12 months. Looking at the last ten years, PNC has achieved an annualized return of 9.54%, underperforming the Benchmark (SPY), which averaged 12.23% per year.

PNC

1M0.13%
6M5.89%
YTD1.42%
1Y40.54%
5Y3.23%
10Y9.54%

Benchmark (SPY)

1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%

Monthly Returns

The table below presents the monthly returns of PNC Financial Services Group (PNC) with color gradation from worst to best to easily spot seasonal factors.

JanFebMarAprMayJunJulAugSepOctNovDec
20266.98%-5.07%0.22%0.73%
20254.22%-2.67%-8.62%-7.73%8.68%7.66%2.27%10.66%-2.32%-8.55%4.85%9.64%
2024-1.80%-2.86%9.59%-5.04%2.71%-1.59%16.13%2.07%0.36%2.61%13.31%-10.59%
20233.62%-3.62%-19.03%2.63%-8.42%7.44%8.26%-11.36%0.87%-6.19%16.74%15.83%
20220.68%-3.20%-6.65%-9.85%4.16%-10.28%5.51%-3.59%-5.17%6.61%3.28%-6.85%
2021-4.12%16.32%2.36%7.17%3.19%-3.54%-4.73%4.12%2.03%8.48%-7.50%-0.74%
2020-7.01%-15.76%-24.52%18.52%10.28%-8.35%0.85%4.37%0.09%1.66%21.66%6.25%
20196.53%2.36%-3.11%10.45%-6.92%8.11%3.27%-9.47%9.83%3.93%3.30%3.70%
20188.79%0.16%-4.07%-3.72%-1.28%-7.31%7.89%-1.71%-5.09%-6.44%5.03%-14.87%
20171.41%4.58%-7.85%-0.75%-1.65%4.63%2.51%-3.23%7.10%1.13%1.94%2.41%
20163.70%1.38%-8.46%2.00%8.44%-0.22%6.76%15.06%5.15%

Performance Indicators

The charts below present risk-adjusted performance metrics for PNC Financial Services Group (PNC) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.

Sharpe ratio

-2.00-1.000.001.002.003.00PNC: 0.88SPY: 0.92

Sortino ratio

-6.00-4.00-2.000.002.004.00PNC: 1.22SPY: 1.40

Omega ratio

0.501.001.502.00PNC: 1.17SPY: 1.22

Calmar ratio

0.002.004.006.00PNC: 1.16SPY: 1.20

Martin ratio

0.001.003.00PNC: 0.19SPY: 0.42

The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.

These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.

The chart below shows the rolling Sharpe ratio of PNC compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.

Volatility Chart

The current PNC Financial Services Group volatility is 1.27%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.

Income Statement

The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.

2025202420232022202120202019201820172016201520142013201220112009
Liabilities And Equity (USD)573.57B560.04B561.58B557.26B557.19B466.68B410.30B382.32B380.77B366.38B358.49B345.07B320.30B305.11B271.21B269.86B
Equity Attributable To Parent (USD)60.59B54.43B51.11B45.77B55.70B54.01B49.31B47.73B47.51B45.70B44.71B44.55B42.41B39.00B34.05B29.94B
Equity Attributable To Noncontrolling Interest (USD)51.00M44.00M36.00M38.00M31.00M31.00M29.00M42.00M72.00M1.16B1.27B1.52B1.69B2.76B3.19B2.63B
Equity (USD)60.64B54.47B51.14B45.81B55.73B54.04B49.34B47.77B47.59B46.85B45.98B46.07B44.10B41.77B37.25B32.57B
Long-term Debt (USD)57.10B61.67B72.74B58.73B------------
Noncurrent Liabilities (USD)----------------
Current Liabilities (USD)512.94B505.57B510.44B511.45B501.47B412.64B360.95B334.55B333.18B319.53B312.51B299.00B276.20B263.34B233.96B237.30B
Liabilities (USD)512.94B505.57B510.44B511.45B501.47B412.64B360.95B334.55B333.18B319.53B312.51B299.00B276.20B263.34B233.96B237.30B
Intangible Assets (USD)----------379.00M1.84B2.22B1.80B1.86B3.40B
Fixed Assets (USD)8.94B8.67B8.52B8.75B8.59B7.69B7.73B5.73B5.44B5.52B5.91B5.64B5.62B5.43B4.64B-
Noncurrent Assets (USD)----------------
Current Assets (USD)573.57B560.04B561.58B557.26B557.19B466.68B410.30B382.32B380.77B366.38B358.49B345.07B320.30B305.11B271.21B269.86B
Assets (USD)573.57B560.04B561.58B557.26B557.19B466.68B410.30B382.32B380.77B366.38B358.49B345.07B320.30B305.11B271.21B269.86B

News and Insights

PNC Declares Dividend of $1.70 on Common Stock

PNC Financial Services Group declared a quarterly cash dividend of $1.70 per share on common stock, payable May 5, 2026, to shareholders of record as of April 14, 2026. The company also declared dividends on various preferred stock series with payment dates ranging from April to June 2026.

Benzinga faviconBenzingaPrnewswire
Cynthia Day Honored as a 2026 Georgia Titan 100

Cynthia Day, President and CEO of Citizens Trust Bank, has been named one of the 2026 Georgia Titan 100, recognizing Georgia's top CEOs and C-level executives. The honor celebrates her visionary leadership and commitment to empowering communities through financial solutions. Day will be formally honored at the Titan 100 Awards Celebration on May 7, 2026, in Atlanta.

Benzinga faviconBenzingaPrnewswire
Latest Private Student Loan Report from Enterval Highlights Steady Repayment Trends

Enterval Analytics published its 25th semi-annual Private Student Loan Report showing strong performance metrics for Q3 2025. Early-stage delinquencies stand at 3.49%, late-stage delinquencies at 1.71%, and gross charge-offs at 2.71%, with forbearance utilization at 1.53%. Private student loans represent 7.66% of the total student loan market with $4.53B in originations for Q1 AY 2025-2026.

GlobeNewswire Inc. faviconGlobeNewswire Inc.Enterval Analytics, Llc
PNC Eyes Double-Digit Growth In 2026 After Closing Strong Year

PNC Financial Services reported better-than-expected Q4 2025 results with EPS of $4.88 (vs. $4.21 consensus) and revenue of $6.07 billion (vs. $5.96 billion expected). The bank achieved 21% earnings per share growth in 2025 and expects double-digit revenue growth of ~11% in 2026, along with positive operating leverage of ~400 basis points. PNC recently closed its acquisition of FirstBank and plans $600-700 million in share repurchases in Q1 2026.

Benzinga faviconBenzingaLekha Gupta
Markets Week Ahead: Key Bank Earnings, Inflation Data Take Center Stage

Bank earnings season kicks off this week with major financial institutions reporting results amid geopolitical tensions and Fed uncertainty. December CPI data will be crucial for the Fed's rate outlook. Gold hit record highs above $4,600/oz due to Iran unrest and concerns over Fed independence following DOJ subpoenas. Oil rallied on Iran protests, while US stocks opened 2026 strongly despite political risks.

Investing.com faviconInvesting.comAli Merchant
3 Stocks With Momentum and Fundamentals Aligned Ahead of Earnings Season

As Q4 2025 earnings season approaches, three financial stocks show strong momentum and solid fundamentals. PNC Financial Services has broken above 2024 highs with potential upside to $266/share. Bank of America offers 22% upside potential with consistent dividend growth. Wells Fargo combines strong demand signals with positive analyst revisions. All three stocks are in clear upward trends and expected to continue rallying if earnings meet consensus expectations.

Investing.com faviconInvesting.comDamian Nowiszewski
PNC Declares Dividend of $1.70 on Common Stock

PNC Financial Services Group Inc. announced a quarterly cash dividend of $1.70 per share, payable on February 5, 2026, to shareholders of record as of January 20, 2026. The board also declared dividends on various preferred stock series.

Benzinga faviconBenzingaPrnewswire
2026 Sector Playbook: 3 Sectors Trading Below Fair Value

As investors rotate away from overvalued tech and AI stocks in 2026, three sectors are identified as trading below fair value: Financials (expected to benefit from lower interest rates), Industrials (supported by infrastructure demand and capex revival), and Utilities (driven by data center energy needs). Specific undervalued stocks are highlighted in each sector as alternatives to broader ETFs.

Investing.com faviconInvesting.comChris Markoch
FirstBank Maintains Strong Financial Position and Growth Momentum Through Third Quarter

FirstBank reported strong Q3 2025 financial performance with $216.4 million net income and announced an agreement to be acquired by PNC, expected to close in early 2026. CEO Kevin Classen will become PNC's Colorado Regional President after the acquisition.

GlobeNewswire Inc. faviconGlobeNewswire Inc.Cody Wheeler
Prediction: XRP (Ripple) Will Surge Past This Price by 2029

The article predicts XRP could reach over $10 by 2029, driven by positive regulatory developments, resolution of SEC lawsuit, and growing institutional interest in blockchain technology for cross-border transactions.

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