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PNC Financial Services Group Inc (PNC)

合理估值
Financial ServicesBanks - RegionalUnited States

基本面

68

价格

$218.01

市值

$89.23B

第一部分 · 这家公司值多少

概览

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 2026年9月19日 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.

资产负债表与流动性

营收

$25.03B

最近12个月(截至2026/6/30)

净利润

$7.68B

最近12个月(截至2026/6/30)

自由现金流

-

股东权益合计

$60.59B

负债合计

$512.94B

流动比率

-

利息覆盖率

0.61

债务/EBITDA

-

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

增长一览表

增长 — 营业收入

公允价值估算

银行合理估值

公允价值

$222.30

当前价格

$218.01

安全边际

+1.9%

公允价值区间

$177.37 - $267.24

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$276.98
现金流折现法(DCF):不适用于此类公司
市盈率法(P/E):$198.91
格雷厄姆成长公式:不适用于此类公司
盈利能力价值(EPV):不适用于此类公司
合理市净率(P/B):$231.97
股息折现模型(戈登模型):$139.53
P/FFO(运营资金):不适用于此类公司
周期中段收益:不适用于此类公司
市销率法(P/S):不适用于此类公司
分析师共识:强力买入 (19B / 8H / 0S)
最近财报超预期:+7.87%

估值指标

市盈率(P/E)

12.23

ROE

11.5%

市净率(P/B)

1.39

P/FCF

-

毛利率

-

ROIC

-

盈利能力雷达图

价值创造(经济护城河)

ROIC

-

WACC

11.4%

ROIC − WACC

-

基本面分析标准

通过(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

未通过(4)

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

不可用(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-评分

6/9

信号混杂:部分领域需关注

score
criteria

盈利质量

0.97

中等:利润与现金之间存在一定差距

股权稀释

-2.7%

正在回购股份,对股东友好

机构持股

公司治理

管理团队

姓名职位年龄
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

审计风险

3

董事会风险

6

薪酬风险

2

股东权利风险

5

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-20

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-08-05

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-09-29

    查看文件

via SEC EDGAR

损益历史

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