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PNC Financial Services Group Inc (PNC)

Valor Justo
Financial ServicesBanks - RegionalUnited States

Fundamental

68

Precio

$222.26

Capitalización Bursátil

$89.23B

Parte 1 · Cuánto vale la empresa

Resumen

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time 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, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The 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. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.

No editorial profile for this company yet

Direct competitors

Who this company fights with for the same customers

Compare

Generated on 19 de septiembre de 2026 with claude-haiku-4-5 — shared with all users

P/E: 10.6Score: 64Market cap: $57.64B

A super-regional of comparable scale whose branch network and commercial banking business overlap directly with PNC across the Mid-Atlantic and the Southeast, the region PNC entered with its BBVA USA acquisition.

P/E: 17.3Score: 63Market cap: $46.67B

Competes for the same Midwest retail and small-business deposit base and for middle-market commercial lending in core PNC markets such as Ohio, Kentucky and Indiana.

P/E: 13.9Score: 79Market cap: $27.29B

A regional bank built on the same mix of consumer branch banking, commercial lending and wealth management, competing head-on with PNC in Pennsylvania, Ohio and the Northeast.

P/E: 13.4Score: 62Market cap: $21.77B

Overlaps with PNC across Pennsylvania, Ohio and the Great Lakes for retail deposits and competes for the same middle-market commercial and corporate banking relationships.

P/E: 11.7Score: 68Market cap: $31.04B

Direct rival for consumer checking accounts, small-business lending and commercial banking in the Ohio and Great Lakes markets that form part of PNC's core branch footprint.

U.S. BancorpUSB

The closest peer in size and model: a diversified super-regional bank competing with PNC for the same retail deposit customers, middle-market commercial borrowers and treasury-management mandates across an overlapping Midwest footprint.

Balance y Liquidez

Ingresos

$25.03B

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$7.68B

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

-

Patrimonio Neto Total

$60.59B

Pasivo Total

$512.94B

Ratio de Liquidez

-

Cobertura de Intereses

0.61

Deuda/EBITDA

-

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

BancoValoración Justa

Valor Justo

$222.30

Precio Actual

$222.26

Margen de Seguridad

0.0%

Rango de Valor Justo

$177.37 - $267.24

Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.

Métodos de Estimación

Precio objetivo de los analistas:$276.98
Flujo de caja descontado (DCF):No aplicable a este tipo de empresa
Múltiplo sobre beneficios (P/E):$198.91
Fórmula de crecimiento de Graham:No aplicable a este tipo de empresa
Valor de la capacidad de generar beneficios (EPV):No aplicable a este tipo de empresa
P/B justificado:$231.97
Descuento de dividendos (Gordon):$139.53
P/FFO, fondos de operaciones:No aplicable a este tipo de empresa
Beneficios de mitad de ciclo:No aplicable a este tipo de empresa
Múltiplo sobre ingresos:No aplicable a este tipo de empresa
Consenso de Analistas:Compra Fuerte (19B / 8H / 0S)
Última Sorpresa de Resultados:+7.87%

Métricas de Valoración

Ratio P/E

12.23

ROE

11.5%

Ratio P/B

1.39

P/FCF

-

Margen Bruto

-

ROIC

-

Radar de Rentabilidad

Creación de Valor (Ventaja Competitiva)

ROIC

-

WACC

11.4%

ROIC − WACC

-

Criterios de Análisis Fundamental

Superado (15)

  • EPS shows upward trend
  • EPS CAGR 7.76%
  • Price CAGR 7.64%
  • P/B Ratio 1.39
  • Operating Margin 37.5%
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 12.3%
  • Revenue Growth 5Y 7.4%
  • Analyst Consensus 70% Buy
  • Earnings Surprise avg 7.4%
  • Earnings Quality (OCF/NI) 0.97
  • Share Dilution -2.7%
  • Net Margin Trend 30.7% vs 28.3%
  • Piotroski F-Score 6/9

Fallido (4)

  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Unknown)

No disponible (9)

  • ROIC NaN%
  • Gross Margin NaN%
  • P/FCF NaN
  • Dividend Payout NaN%
  • Positive Free Cash Flow
  • CapEx intensity
  • Current Ratio
  • Debt/EBITDA
  • PEG Ratio (need PE > 0 and growth > 0)

Piotroski F-Score

6/9

Señales mixtas: algunas áreas requieren atención

score
criteria

Calidad de los Beneficios

0.97

Moderada: cierta brecha entre beneficios y efectivo

Dilución de Acciones

-2.7%

Recomprando acciones. Favorable para el accionista

Participaciones institucionales

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. William S. DemchakChairman & CEO63
Mr. Mark Kenneth Wiedman J.D.President54
Mr. Robert Q. ReillyExecutive VP & CFO60
Ms. Deborah GuildExecutive VP & Head of Technology56
Mr. Alexander E. C. OverstromExecutive VP & Head of Retail Banking41
Ms. Laura L. Long J.D.Executive VP, General Counsel & Chief Administrative Officer52
Mr. Bryan K. GillEVP, Director of Investor Relations-
Ms. Amanda Rosseter SchabExecutive VP, Chief Communications & Brand Officer56
Ms. Jenn GarbachChief Marketing Officer-
Ms. Vicki C. HennExecutive VP & Chief Human Resources Officer56

Riesgo de Auditoría

3

Riesgo del Consejo

6

Riesgo de Compensación

2

Riesgo de Derechos del Accionista

5

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Documentos

  • Informe anual (10-K)

    Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.

    Presentado el 2026-02-20

    Ver documento
  • Informe trimestral (10-Q)

    Una actualización del desempeño financiero de los últimos tres meses.

    Presentado el 2026-08-05

    Ver documento
  • Informe de hecho relevante (8-K)

    Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.

    Presentado el 2026-09-29

    Ver documento

via SEC EDGAR

Historial de Resultados

via SEC EDGAR

Latest News

Recent headlines for PNC, sourced from Markets Gazette.

  • 4/16/2026NEUTRAL
    PNC CEO on US Consumers, Private Credit and Real Estate

    PNC Financial Services Group CEO Bill Demchak stated that he has not yet observed a slowdown in US consumer spending. His remarks, made during an appearance on "Bloomberg The Close," also touched upon current concerns surrounding private credit, the condition of the commercial real estate market, and PNC's strategic growth initiatives. While the commentary offers insights into consumer resilience and market conditions, it does not present immediate data points or forward-looking guidance that would definitively sway investor sentiment in a particular direction.

  • 4/16/2026POSITIVE
    PNC Financial Analysts Boost Their Forecasts After Upbeat Q1 Results

    PNC Financial Services Group has reported robust first-quarter earnings that surpassed analyst expectations, prompting a wave of upward revisions to price targets from financial analysts. The company's positive outlook, despite acknowledging potential headwinds from broader economic conditions and market shifts, has been met with increased confidence by the market. This performance suggests resilience and effective strategic execution, which could translate into sustained shareholder value and potentially attract new investment.

  • 4/15/2026NEUTRAL
    PNC Reports $7 Billion of Exposure to Private-Credit Providers

    PNC Financial Services Group Inc. disclosed an exposure of $7 billion to private-credit providers. This announcement aligns with a broader trend among large banks to increase transparency regarding their involvement in the private credit market, a sector currently under investor scrutiny due to potential spillover risks. While the disclosure itself is informational, the market will be watching for any signs of distress or contagion within these exposures. For investors, this highlights the interconnectedness of traditional banking and alternative lending, and the importance of monitoring systemic risk.

  • 4/13/2026NEUTRAL
    PNC Financial Gears Up For Q1 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts

    PNC Financial Services Group (NYSE: PNC) is scheduled to report its first-quarter earnings on April 15th, with analysts projecting an Earnings Per Share (EPS) of $3.93 and revenue of $6.21 billion. While the upcoming earnings report is a significant event for investors, the provided information focuses on the timing and consensus estimates rather than any new developments or performance indicators. Recent analyst ratings from January 2022, including Outperform, Neutral, and Overweight, indicate a mixed but generally stable outlook from Wall Street, without offering a clear directional bias ahead of the earnings release.

via Markets Gazette