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PNC

CompareEarnings: May 31, 2026

PNC Financial Services Group Inc

Exchange: NYSESector: Financial ServicesIndustry: Banks - Regional

The PNC Financial Services Group, Inc. (PNC) is a financial service company. The Company has businesses engaged in retail banking, corporate and institutional banking, asset management, and residential mortgage banking, providing its products and services nationally and others in its markets located in Pennsylvania, Ohio, New Jersey, Michigan, Illinois, Maryland, Indiana, Kentucky, Florida, Washington, D.C., Delaware, Virginia, Missouri, Wisconsin and Georgia. It also provides certain products and services internationally. As of December 31, 2011, its corporate legal structure consisted of one domestic subsidiary bank, including its subsidiaries, and approximately 141 active non-bank subsidiaries. On March 2, 2012, it acquired RBC Bank (USA). Effective October 26, 2012, PNC divested certain deposits and assets of the Smartstreet business unit, which was acquired by PNC as part of the RBC Bank (USA) acquisition, to Union Bank, N.A.

Did you know?

Earnings per share grew at a 4.4% CAGR.

Current Price

$220.89

-0.20%

GoodMoat Value

$322.43

46.0% undervalued
Profile
Valuation (TTM)
Market Cap$86.62B
P/E13.09
EV$97.36B
P/B1.43
Shares Out392.16M
P/Sales3.75
Revenue$23.10B
EV/EBITDA11.81

PNC Financial Services Group Inc (PNC) Company Profile

GoodMoat Analysis

Based on data as of March 26, 2026

PNC is a large, traditional regional bank with a stable business model of taking deposits and making loans. A value investor might find its low P/E of 12.2x and 3.26% dividend yield attractive, but its moat appears limited by the competitive nature of banking, and its growth is modest.

Read full analysis
PNC Financial Services Group is a major regional bank in the United States. Its core business is classic banking: it takes deposits from consumers and businesses, and uses that money to make loans (like mortgages, auto loans, and commercial loans). It makes money on the difference between the interest it earns on loans and the interest it pays on deposits (the net interest margin). Customers range from individuals to large corporations, and the bank also offers wealth management and treasury services. Using the GoodMoat framework, PNC's competitive advantages (moat) are not immediately strong. It may have some scale privilege and regulatory barriers inherent to banking, but it lacks the high-switching-costs or proprietary-data advantages seen in tech firms. Its 11.4% ROE, while solid, is below the 15-20% high-quality threshold. Key risks for investors (Red Flags) include its sensitivity to interest rates and economic cycles (a macro risk), and potential for margin compression if the rate environment changes. The stock trades at a P/E of 12.2x, which is low historically for many sectors, and offers a 5.4% free cash flow yield and 3.26% dividend. For a value investor, this suggests a potentially favourable valuation for a stable business, but the limited moat and moderate growth of 9.6% YoY mean it doesn't score highly on the 'high-quality business' checklist that prioritizes durable advantages and high returns on capital. Analysis based on data as of 2024-05-15.

PNC Company Information

The PNC Financial Services Group, Inc. (PNC) is a financial service company.

The Company has businesses engaged in retail banking, corporate and institutional banking, asset management, and residential mortgage banking, providing its products and services nationally and others in its markets located in Pennsylvania, Ohio, New Jersey, Michigan, Illinois, Maryland, Indiana, Kentucky, Florida, Washington, D.

C. , Delaware, Virginia, Missouri, Wisconsin and Georgia. It also provides certain products and services internationally.

As of December 31, 2011, its corporate legal structure consisted of one domestic subsidiary bank, including its subsidiaries, and approximately 141 active non-bank subsidiaries.

On March 2, 2012, it acquired RBC Bank (USA).

Effective October 26, 2012, PNC divested certain deposits and assets of the Smartstreet business unit, which was acquired by PNC as part of the RBC Bank (USA) acquisition, to Union Bank, N. A.

Sector

Financial Services

Industry

Banks - Regional

Exchange

NYSE

Country

Pennsylvania, USA

PNC Key Officers

Key officers data coming soon

PNC Company Profile

PNC Financial Services Group Inc (PNC) is a Financial Services company in the Banks - Regional industry. It trades on NYSE. The company is based in Pennsylvania, USA.

The PNC Financial Services Group, Inc. (PNC) is a financial service company. The Company has businesses engaged in retail banking, corporate and institutional banking, asset management, and residential mortgage banking, providing its products and services nationally and others in its markets located in Pennsylvania, Ohio, New Jersey, Michigan, Illinois, Maryland, Indiana, Kentucky, Florida, Washington, D.C., Delaware, Virginia, Missouri, Wisconsin and Georgia. It also provides certain products and services internationally. As of December 31, 2011, its corporate legal structure consisted of one domestic subsidiary bank, including its subsidiaries, and approximately 141 active non-bank subsidiaries. On March 2, 2012, it acquired RBC Bank (USA). Effective October 26, 2012, PNC divested certain deposits and assets of the Smartstreet business unit, which was acquired by PNC as part of the RBC Bank (USA) acquisition, to Union Bank, N.A.

Market cap is $86.62B. There are 392.2M shares outstanding. Dividend yield is 3.04%.

See the full PNC Financial Services Group Inc profile on GoodMoat. It covers key officers, financial metrics, and sector details. You can also use GoodMoat's DCF calculator, fair value models, and quality score to help decide if PNC is a good investment.