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.
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.
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2026
6.98%
-5.07%
0.22%
0.73%
2025
4.22%
-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%
2023
3.62%
-3.62%
-19.03%
2.63%
-8.42%
7.44%
8.26%
-11.36%
0.87%
-6.19%
16.74%
15.83%
2022
0.68%
-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%
2019
6.53%
2.36%
-3.11%
10.45%
-6.92%
8.11%
3.27%
-9.47%
9.83%
3.93%
3.30%
3.70%
2018
8.79%
0.16%
-4.07%
-3.72%
-1.28%
-7.31%
7.89%
-1.71%
-5.09%
-6.44%
5.03%
-14.87%
2017
1.41%
4.58%
-7.85%
-0.75%
-1.65%
4.63%
2.51%
-3.23%
7.10%
1.13%
1.94%
2.41%
2016
3.70%
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
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
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.
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2009
Liabilities And Equity (USD)
573.57B
560.04B
561.58B
557.26B
557.19B
466.68B
410.30B
382.32B
380.77B
366.38B
358.49B
345.07B
320.30B
305.11B
271.21B
269.86B
Equity Attributable To Parent (USD)
60.59B
54.43B
51.11B
45.77B
55.70B
54.01B
49.31B
47.73B
47.51B
45.70B
44.71B
44.55B
42.41B
39.00B
34.05B
29.94B
Equity Attributable To Noncontrolling Interest (USD)
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•Prnewswire
AI Insight
The declaration of a $1.70 quarterly dividend demonstrates the company's financial strength and commitment to returning capital to shareholders. Consistent dividend payments are typically viewed positively as they indicate stable earnings and management confidence in future performance.
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•Prnewswire
AI Insight
PNC Bank is mentioned only as an investor providing $5 million to Citizens Trust Bank for lending expansion. While this indicates confidence in Citizens Trust Bank, there is no direct impact or news specific to PNC Bank itself.
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.•Enterval Analytics, Llc
AI Insight
Included as a major private student loan lender in a market demonstrating strong credit quality and manageable delinquency rates.
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•Lekha Gupta
AI Insight
PNC exceeded earnings and revenue expectations, reported strong 21% EPS growth in 2025, achieved record revenue, and provided optimistic 2026 guidance with double-digit revenue growth (~11%), strong NII growth (~14%), and positive operating leverage. The company also recently completed the FirstBank acquisition and is returning capital to shareholders through dividends and buybacks.
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•Ali Merchant
AI Insight
Reporting earnings Friday; part of banking sector earnings week with no specific catalysts mentioned.
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•Damian Nowiszewski
AI Insight
Stock broke above 2024 highs with strong technical momentum. Estimated upside potential to $266/share if quarterly results meet expectations. Clear upward trend with important support level at $205.
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•Prnewswire
AI Insight
The declaration of a $1.70 quarterly dividend demonstrates the company's financial strength and commitment to returning capital to shareholders. Consistent dividend payments are typically viewed positively by investors as they indicate stable earnings and management confidence in future performance.
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•Chris Markoch
AI Insight
Recommended as undervalued financial sector stock with potential benefits from lower rate environment
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.•Cody Wheeler
AI Insight
Acquiring a well-performing regional bank with strong community presence and committed to retaining local leadership and branch network
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.
The Motley Fool•Adam Levy
AI Insight
Mentioned as testing RippleNet, indicating potential interest in blockchain technology