PN
PNC Financial Services Group Inc
PNC—
PNC Financial Services Group Inc AI Insights
Informational only. Not investment advice.Snapshot
- Net margin 28.9% TTM vs industry median 25.7% - top-tier efficiency among regional banks with 6.5B net income[Net Margin TTM]
- Goodwill 10.9B is 19% of equity (58.9B) - manageable vs peers but watch for acquisition-related impairment[Goodwill]
- Dividend yield 4.1% (6.50/share TTM) at 41% payout ratio - sustainable with 5.4B FCF cushion[Dividends Paid Per Share TTM]
Watch Triggers
- Net Margin TTM: Falls below 25% — Would signal NIM compression eroding competitive advantage vs peers
- ROE TTM: Drops below 10% — Below industry median would invalidate premium profitability thesis
- Total Revenue 3Y Growth: Accelerates above 5% — Would indicate market share gains closing gap to industry median
Bull Case
Premium profitability (28.9% net margin, 11.4% ROE) trading at P/E 12.6x vs median 12.2x - minimal premium for superior returns
Net Margin TTMROE TTMP/E Ratio
4.1% dividend yield with 41% payout and 5.4B FCF provides income floor while retaining capital for growth
Dividends Paid Per Share TTMFree Cash Flow TTM
Bear Case
Interest expense 11.2B TTM (50% of revenue) creates NIM compression risk if deposit competition persists
Interest Expense TTMTotal Revenue TTM
Revenue growth 2.1% 3Y CAGR trails industry median 5.1% - scale disadvantage vs money-center banks
Total Revenue 3Y Growth
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
55%
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Forward Thesis
NII pressure to stabilize as rate cuts slow, supporting 10%+ ROE through 2026
1-3ymed
- Interest expense 11.2B TTM reflects peak deposit costs
- ROE 11.4% already above industry median 10%
- Strong deposit franchise provides funding advantage
ROE TTM 11.4% vs median 10%Net margin 28.9% TTMCash position 38.9B
Valuation Context
Caveats
Public Strategies Rankings
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PNC Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$88.38B | — | ||
$111.85B | — | ||
14 | — | ||
$22.57B | +9.5% | — | |
$15.71 | +38.5% | — | |
0% | — | ||
28.9% | +4.0% | — | |
$5.43B | -50.4% | — | |
0.11 | +1.6% | — | |
Beta 5Y (Monthly) | unknown | — |
PNC Dividend History
105 dividends
2026
$1.700001/20/26$1.7000
2025
$6.600010/14/25$1.7000
07/15/25$1.7000
04/16/25$1.6000
01/15/25$1.6000
2024
$6.300010/16/24$1.6000
07/15/24$1.6000
04/12/24$1.5500
01/12/24$1.5500
2023
$6.100010/16/23$1.5500
07/14/23$1.5500
04/17/23$1.5000
01/13/23$1.5000
2022
$5.750010/14/22$1.5000
07/12/22$1.5000
04/12/22$1.5000
01/14/22$1.2500
2021
$4.800010/14/21$1.2500
07/15/21$1.2500
04/15/21$1.1500
01/15/21$1.1500
2020
$4.600010/15/20$1.1500
07/16/20$1.1500
04/15/20$1.1500
01/16/20$1.1500
2019
$4.200010/16/19$1.1500
07/18/19$1.1500
04/15/19$0.9500
01/16/19$0.9500
2018
$3.400010/16/18$0.9500
07/16/18$0.9500
04/13/18$0.7500
01/16/18$0.7500
2017
$2.600010/16/17$0.7500
07/13/17$0.7500
04/12/17$0.5500
01/12/17$0.5500
2016
$2.120010/13/16$0.5500
07/14/16$0.5500
04/13/16$0.5100
01/14/16$0.5100
2015
$2.010010/13/15$0.5100
07/13/15$0.5100
04/13/15$0.5100
01/13/15$0.4800
2014
$1.880010/10/14$0.4800
07/11/14$0.4800
04/11/14$0.4800
01/13/14$0.4400
2013
$1.720010/10/13$0.4400
07/11/13$0.4400
04/12/13$0.4400
01/11/13$0.4000
2012
$1.550010/12/12$0.4000
07/13/12$0.4000
04/13/12$0.4000
01/12/12$0.3500
2011
$1.150010/17/11$0.3500
07/14/11$0.3500
04/14/11$0.3500
01/12/11$0.1000
2010
$0.400010/13/10$0.1000
07/12/10$0.1000
04/09/10$0.1000
01/13/10$0.1000
2009
$0.960010/08/09$0.1000
07/09/09$0.1000
04/08/09$0.1000
01/14/09$0.6600
2008
$2.610010/08/08$0.6600
07/09/08$0.6600
04/10/08$0.6600
01/09/08$0.6300
2007
$2.440010/10/07$0.6300
07/11/07$0.6300
04/11/07$0.6300
01/10/07$0.5500
2006
$2.150010/11/06$0.5500
07/12/06$0.5500
04/11/06$0.5500
01/11/06$0.5000
2005
$2.000010/12/05$0.5000
07/13/05$0.5000
04/12/05$0.5000
01/12/05$0.5000
2004
$2.000010/13/04$0.5000
07/12/04$0.5000
04/12/04$0.5000
01/12/04$0.5000
2003
$1.940010/08/03$0.5000
07/09/03$0.4800
04/09/03$0.4800
01/09/03$0.4800
2002
$1.920010/09/02$0.4800
07/10/02$0.4800
04/10/02$0.4800
01/09/02$0.4800
2001
$1.920010/10/01$0.4800
07/11/01$0.4800
04/10/01$0.4800
01/10/01$0.4800
2000
$1.830010/11/00$0.4800
07/12/00$0.4500
04/12/00$0.4500
01/12/00$0.4500
PNC Stock Splits
No stock splits
PNC SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/03/25 | 09/30/25 | 10-Q | |
08/01/25 | 06/30/25 | 10-Q | |
05/02/25 | 03/31/25 | 10-Q | |
02/21/25 | 12/31/24 | Unknown | |
11/01/24 | 09/30/24 | 10-Q | |
08/02/24 | 06/30/24 | 10-Q | |
05/02/24 | 03/31/24 | 10-Q | |
02/21/24 | 12/31/23 | 10-K | |
11/02/23 | 09/30/23 | 10-Q | |
08/02/23 | 06/30/23 | 10-Q | |
05/02/23 | 03/31/23 | 10-Q | |
02/22/23 | 12/31/22 | 10-K | |
11/02/22 | 09/30/22 | 10-Q | |
08/02/22 | 06/30/22 | 10-Q | |
05/04/22 | 03/31/22 | 10-Q | |
02/25/22 | 12/31/21 | 10-K | |
11/03/21 | 09/30/21 | 10-Q | |
08/06/21 | 06/30/21 | 10-Q | |
05/05/21 | 03/31/21 | 10-Q | |
02/26/21 | 12/31/20 | 10-K | |
11/03/20 | 09/30/20 | 10-Q | |
08/04/20 | 06/30/20 | 10-Q | |
05/05/20 | 03/31/20 | 10-Q | |
03/02/20 | 12/31/19 | 10-K | |
11/04/19 | 09/30/19 | 10-Q | |
08/01/19 | 06/30/19 | 10-Q | |
05/03/19 | 03/31/19 | 10-Q | |
03/01/19 | 12/31/18 | 10-K | |
11/01/18 | 09/30/18 | 10-Q | |
08/02/18 | 06/30/18 | 10-Q | |
05/03/18 | 03/31/18 | 10-Q | |
02/28/18 | 12/31/17 | 10-K | |
10/31/17 | 09/30/17 | 10-Q | |
08/02/17 | 06/30/17 | 10-Q | |
05/03/17 | 03/31/17 | 10-Q | |
02/28/17 | 12/31/16 | 10-K | |
11/04/16 | 09/30/16 | 10-Q | |
08/03/16 | 06/30/16 | 10-Q | |
05/04/16 | 03/31/16 | 10-Q | |
02/29/16 | 12/31/15 | 10-K | |
11/05/15 | 09/30/15 | 10-Q | |
08/05/15 | 06/30/15 | 10-Q | |
05/07/15 | 03/31/15 | 10-Q | |
03/02/15 | 12/31/14 | 10-K | |
11/05/14 | 09/30/14 | 10-Q | |
08/07/14 | 06/30/14 | 10-Q | |
05/08/14 | 03/31/14 | 10-Q | |
03/03/14 | 12/31/13 | 10-K | |
11/06/13 | 09/30/13 | 10-Q | |
08/08/13 | 06/30/13 | 10-Q | |
05/09/13 | 03/31/13 | 10-Q | |
03/01/13 | 12/31/12 | 10-K | |
11/08/12 | 09/30/12 | 10-Q | |
08/08/12 | 06/30/12 | 10-Q | |
05/09/12 | 03/31/12 | 10-Q | |
02/29/12 | 12/31/11 | 10-K | |
11/08/11 | 09/30/11 | 10-Q | |
08/08/11 | 06/30/11 | 10-Q | |
05/09/11 | 03/31/11 | 10-Q | |
03/01/11 | 12/31/10 | 10-K | |
11/09/10 | 09/30/10 | 10-Q | |
08/09/10 | 06/30/10 | 10-Q | |
05/07/10 | 03/31/10 | 10-Q | |
03/11/10 | 12/31/09 | 10-K | |
11/06/09 | 09/30/09 | 10-Q | |
08/10/09 | 06/30/09 | 10-Q | |
05/11/09 | 03/31/09 | 10-Q | |
03/02/09 | 12/31/08 | 10-K | |
11/06/08 | 09/30/08 | 10-Q | |
08/08/08 | 06/30/08 | 10-Q | |
05/12/08 | 03/30/08 | Unknown | -- |
02/29/08 | 12/31/07 | 10-K | |
11/08/07 | 09/30/07 | 10-Q | |
08/08/07 | 06/30/07 | 10-Q | |
05/09/07 | 03/30/07 | Unknown | -- |
03/01/07 | 12/31/06 | 10-K | |
11/09/06 | 09/30/06 | 13F-HR | |
08/09/06 | 06/30/06 | 10-Q | |
05/09/06 | 03/30/06 | Unknown | -- |
03/15/06 | 12/31/05 | 13F-HR | |
11/07/05 | 09/30/05 | 8-K | |
08/05/05 | 06/30/05 | 13F-HR | |
05/09/05 | 03/30/05 | Unknown | -- |
03/16/05 | 12/31/04 | 13F-HR | |
11/05/04 | 09/30/04 | 4 | |
08/09/04 | 06/30/04 | 13F-HR | |
05/10/04 | 03/30/04 | Unknown | -- |
03/12/04 | 12/31/03 | 13F-HR | |
11/14/03 | 09/30/03 | 4 | |
08/14/03 | 06/30/03 | 4 | |
05/15/03 | 03/30/03 | Unknown | -- |
03/13/03 | 12/31/02 | 13F-HR | |
11/14/02 | 09/30/02 | 13F-HR | |
08/14/02 | 06/30/02 | 13F-HR | |
05/15/02 | 03/30/02 | Unknown | -- |
03/29/02 | 12/31/01 | 13F-HR | |
11/14/01 | 09/30/01 | 13F-HR | |
08/14/01 | 06/30/01 | 13F-HR | |
05/10/01 | 03/30/01 | Unknown | -- |
03/12/01 | 12/31/00 | 13F-HR | |
11/07/00 | 09/30/00 | 10-Q | |
08/14/00 | 06/30/00 | 13F-HR | |
05/15/00 | 03/30/00 | Unknown | -- |