PNC Financial Services Group Inc

PNC Financial Services Group Inc

PNC

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Market Cap$101.54B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
PNC Financial Services Group IncPNC Financial Services Group Inc27.42.69%12%3.71.3

Earnings Call Q2 2026

July 15, 2026 - AI Summary

Strong Q2 results + broad-based momentum (good): - Net income: $2.1B ($4.81/share diluted), EPS adjusted: $4.85 after integration/significant items. - Revenue: $6.9B, +12% QoQ (+$710M). - NII: $4.1B, +4% QoQ, NIM: 2.96% (+1 bp QoQ). - Fees: $2.3B, +10% QoQ (+20% YoY per CEO commentary). Growth was broad across fee categories (asset management/brokerage +5%, capital markets/advisory +25%, card & cash +5%, etc.). - Operating leverage: ~3% positive operating leverage; PPNR +16%.
Loan/deposit dynamics indicate solid demand but some moderating (good + nuanced): - Avg loans: $363B, +4% QoQ (+$12B); growth was virtually all in C&I with higher utilization across almost every category. - CRE balances: +~$690M driven by retail + industrial exposures; consumer loans down ~$730M (credit cards up, but residential and auto expected declines partially offset). - Management expects loan growth in H2, but not at the same pace as earlier—guided to align closer to GDP-like growth rather than re-accelerating.
Clear capital return + strong capital position (good): - Tangible book value: $111/share (+2% QoQ, +7% YoY). - ROTC(E): 17.9% in Q2. - CET1: estimated ~9.9% (well capitalized). - Capital returned in quarter: $1.3B ($690M dividends, $610M buybacks). - Dividend increase approved: +$0.30/share quarterly (18%) to $2.00/share. - Buyback pace expectation: Q3 repurchases ~similar to Q2 level.

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$273.90

Target Price by Analysts

8.5% upsidePNC Financial Services Group Target Price DetailsTarget Price
$170.26

Current Fair Value

32.6% downside

Overvalued by 32.6% based on the discounted cash flow analysis.

Share Statistics

Market cap$101.54 Billion
Enterprise Value$159.11 Billion
Dividend Yield$6.80 (2.69%)
Earnings per Share$16.62
Beta0.9
Outstanding Shares405,000,000

Return

Return on Equity11.92%ROE
Return on Assets5.10%
Return on Invested Capital6.28%

Valuation & Multiples

P/E Ratio27.37P/E Ratio
PEG107.81PEG
Price to Sales3.71Price to Sales
Price to Book Ratio1.61Price to Book Ratio
Enterprise Value to Revenue5.7
Enterprise Value to EBIT16.95
Enterprise Value to Net Income20
Total Debt to Enterprise0.54
Debt to Equity1.34Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 15, 2026
EPS Estimate
$4.46
Average shareholder expectation
Revenue Estimate
$6.51 B
Average shareholder expectation

Next Earnings Call

Expected Date
October 15, 2026
EPS Estimate
$4.95
Average shareholder expectation
Revenue Estimate
$6.61 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio7.6667▲ 688.25%
Total Calls600▼ 99.95%
Total Puts4,600▼ 99.52%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %1.77%▼ 77.84%
Total Invested$1.76B▼ 97.41%
Investors Holding459▼ 1507.00%

ESG Score

No data

About PNC Financial Services Group

50,403 employees
CEO: William Demchak

he PNC Financial Services Group, Inc. is one of the largest diversified financial services institutions in the United States, organized around its customers and communities for strong relationships and local delivery of retail and busine...

Relevant Senate Committees

Joint Committee on Taxation

This committee's role in developing and analyzing tax legislation, including providing revenue estimates, directly influences the corporate tax structures and overall tax burden that are critical to PNC's financial performance and strategic planning.

Finance

This is a paramount committee for PNC, as it controls taxation and trade policy. Tax laws directly impact PNC's profitability, capital structures, and the financial health of its customers and the broader economy.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including banks, capital requirements, and real estate markets. It is the primary legislative body overseeing PNC's core commercial banking, lending, and wealth management operations.