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PNC Financial Services Group Inc (PNC)

Juste valeur
Financial ServicesBanks - RegionalUnited States

Fondamental

68

Prix

$218.01

Capitalisation boursière

$89.23B

Partie 1 · Ce que vaut l'entreprise

Vue d'ensemble

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 septembre 2026 with claude-haiku-4-5 — shared with all users

P/E: 10.6Score: 65Market 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: 66Market 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: 75Market 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: 67Market 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.

Bilan & Liquidités

Chiffre d'affaires

$25.03B

12 derniers mois (au 30/06/2026)

Résultat net

$7.68B

12 derniers mois (au 30/06/2026)

Flux de trésorerie libre

-

Capitaux propres totaux

$60.59B

Passif total

$512.94B

Ratio de liquidité général

-

Couverture des intérêts

0.61

Dette/EBITDA

-

Bénéfice par action

Chiffre d'affaires & Résultat net

Flux de trésorerie libre

Décomposition du résultat

État historique

Marges dans le temps

La dette dans le temps

Grille de la croissance

Croissance — Chiffre d'affaires

Estimation de la juste valeur

BanqueJustement valorisé

Juste valeur

$222.30

Prix actuel

$218.01

Marge de sécurité

+1.9%

Fourchette de juste valeur

$177.37 - $267.24

Écart entre les méthodes de valorisation utilisées, pas un intervalle de confiance calibré statistiquement.

Méthodes d'estimation

Objectif de cours des analystes:$276.98
Flux de trésorerie actualisés (DCF):Non applicable à ce type d'entreprise
Multiple de résultat (P/E):$198.91
Formule de croissance de Graham:Non applicable à ce type d'entreprise
Valeur de la capacité bénéficiaire (EPV):Non applicable à ce type d'entreprise
P/B justifié:$231.97
Actualisation des dividendes (Gordon):$139.53
P/FFO, les fonds provenant de l'exploitation:Non applicable à ce type d'entreprise
Bénéfices de milieu de cycle:Non applicable à ce type d'entreprise
Multiple sur le chiffre d'affaires:Non applicable à ce type d'entreprise
Consensus des analystes:Achat fort (19B / 8H / 0S)
Dernière surprise sur les résultats:+7.87%

Indicateurs de valorisation

Ratio P/E

12.23

ROE

11.5%

Ratio P/B

1.39

P/FCF

-

Marge brute

-

ROIC

-

Radar de rentabilité

Création de valeur (avantage concurrentiel)

ROIC

-

WACC

11.4%

ROIC − WACC

-

Critères d'analyse fondamentale

Réussi (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

Échoué (4)

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

Indisponible (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)

Score F de Piotroski

6/9

Signaux mixtes : certains domaines nécessitent attention

score
criteria

Qualité des bénéfices

0.97

Modérée : certain écart entre profits et trésorerie

Dilution du capital

-2.7%

Rachat d'actions. Favorable aux actionnaires

Participations institutionnelles

Gouvernance

Équipe dirigeante

NomTitreÂge
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

Risque d'audit

3

Risque du conseil

6

Risque de rémunération

2

Risque droits des actionnaires

5

Partie 2 · Le prix et le moment d'entrer

Cette partie ne dit pas si l'entreprise vaut la peine : elle aide à choisir quand l'acheter, une fois que les fondamentaux vous ont convaincu. À l'intérieur : analyse technique, potentiel, baisses historiques, exposition gamma.

Documents

  • Rapport annuel (10-K)

    Un aperçu annuel de l'activité, des résultats financiers et des risques de l'entreprise.

    Déposé le 2026-02-20

    Voir le document
  • Rapport trimestriel (10-Q)

    Une mise à jour de la performance financière des trois derniers mois.

    Déposé le 2026-08-05

    Voir le document
  • Rapport d'événement important (8-K)

    Un avis concernant un événement important, comme un changement de direction ou une annonce majeure.

    Déposé le 2026-09-29

    Voir le document

via SEC EDGAR

Historique des résultats

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