PNC Financial Services Group Inc (PNC)
Valor JustoFundamental
68
Preço
$218.01
Capitalização de Mercado
$89.23B
Parte 1 · Quanto vale a empresa
Visão Geral
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
Generated on 19 de setembro de 2026 with claude-haiku-4-5 — shared with all users
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.
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.
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.
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.
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.
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.
Balanço & Liquidez
Receita
$25.03B
Últimos 12 meses (até 30/06/2026)
Resultado Líquido
$7.68B
Últimos 12 meses (até 30/06/2026)
Fluxo de Caixa Livre
-
Capital Próprio Total
$60.59B
Passivo Total
$512.94B
Rácio de Liquidez
-
Cobertura de Juros
0.61
Dívida/EBITDA
-
Resultados Por Ação
Receita & Resultado Líquido
Fluxo de Caixa Livre
Decomposição dos Resultados
Demonstração histórica
Margens ao longo do tempo
A dívida ao longo do tempo
Grelha do crescimento
Crescimento — Receitas
Estimativa de Valor Justo
Valor Justo
$222.30
Preço Atual
$218.01
Margem de Segurança
+1.9%
Intervalo de Valor Justo
$177.37 - $267.24
Dispersão entre os métodos de avaliação utilizados, não um intervalo de confiança calibrado estatisticamente.
Métodos de Estimativa
Métricas de Avaliação
Rácio P/E
12.23
ROE
11.5%
Rácio P/B
1.39
P/FCF
-
Margem Bruta
-
ROIC
-
Radar de Rentabilidade
Criação de Valor (Vantagem Competitiva)
ROIC
-
WACC
11.4%
ROIC − WACC
-
Critérios de Análise Fundamental
Aprovado (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
Reprovado (4)
- Debt/Equity ratio
- Interest Coverage
- Return on Tangible Assets
- DCF valuation (Unknown)
Indisponível (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
Sinais mistos: algumas áreas requerem atenção
Qualidade dos Resultados
Moderada: alguma diferença entre lucros e caixa
Diluição de Ações
A recomprar ações. Favorável ao acionista
Participações institucionais
Governação
Equipa Executiva
| Nome | Cargo | Idade |
|---|---|---|
| Mr. William S. Demchak | Chairman & CEO | 63 |
| Mr. Mark Kenneth Wiedman J.D. | President | 54 |
| Mr. Robert Q. Reilly | Executive VP & CFO | 60 |
| Ms. Deborah Guild | Executive VP & Head of Technology | 56 |
| Mr. Alexander E. C. Overstrom | Executive VP & Head of Retail Banking | 41 |
| Ms. Laura L. Long J.D. | Executive VP, General Counsel & Chief Administrative Officer | 52 |
| Mr. Bryan K. Gill | EVP, Director of Investor Relations | - |
| Ms. Amanda Rosseter Schab | Executive VP, Chief Communications & Brand Officer | 56 |
| Ms. Jenn Garbach | Chief Marketing Officer | - |
| Ms. Vicki C. Henn | Executive VP & Chief Human Resources Officer | 56 |
Risco de Auditoria
3
Risco do Conselho
6
Risco de Remuneração
2
Risco dos Direitos dos Acionistas
5
Parte 2 · O preço e o momento de entrar
Esta parte não serve para saber se a empresa vale: serve para escolher quando comprá-la, depois que os fundamentos te convenceram. Dentro: análise técnica, potencial, quedas históricas, exposição gama.
Documentos
- Ver documento
Relatório anual (10-K)
Uma visão anual do negócio, dos resultados financeiros e dos riscos da empresa.
Arquivado em 2026-02-20
- Ver documento
Relatório trimestral (10-Q)
Uma atualização sobre o desempenho financeiro dos últimos três meses.
Arquivado em 2026-08-05
- Ver documento
Relatório de fato relevante (8-K)
Um aviso sobre um fato relevante, como uma mudança na liderança ou um grande anúncio.
Arquivado em 2026-09-29
via SEC EDGAR
Histórico de Resultados
via SEC EDGAR
Latest News
Recent headlines for PNC, sourced from Markets Gazette.
- 4/16/2026NEUTRALPNC 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.
- 4/16/2026POSITIVEPNC 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.
- 4/15/2026NEUTRALPNC 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.
- 4/13/2026NEUTRALPNC 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