PNC Financial Services Group
Connects coast-to-coast retail banking with commercial finance, treasury management, and wealth services.
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Profile
Provides consumer and small-business banking, commercial lending, treasury management, capital-markets services, and wealth management across a coast-to-coast U.S. footprint. Customer deposits fund much of the balance sheet, while lending spreads and fee-based services drive revenue under extensive bank regulation.
Runs Retail Banking, Corporate & Institutional Banking, and Asset Management Group across a coast-to-coast U.S. franchise. Branches and digital channels deliver deposits, consumer and small-business loans, payments, cards, mortgages, and investments.
Corporate & Institutional Banking combines commercial lending with treasury management, real estate finance, asset-based lending, capital markets, and advisory services; wealth businesses provide private banking, investment management, custody, and fiduciary services. The relationship model links deposits and credit with fee-based services, and the completed FirstBank conversion added branches in Colorado and Arizona.
Earnings and funding depend on loan demand, credit quality, deposit pricing, interest rates, market levels, and capital-markets activity. The holding company is supervised by the Federal Reserve; PNC Bank is principally regulated by the OCC and also overseen by the FDIC and CFPB.
Company facts
Key statistics
Year to date +14.6% · Average volume (30d) 1.5M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 22, 2026 | Deutsche Bank | Downgrade | Buy | Hold | $190 | $265 |
| Jul 16, 2026 | Argus Research | Reiterate | Buy | $220 | $280 | |
| Jul 16, 2026 | Oppenheimer | Reiterate | Outperform | $271 | $281 | |
| Jul 16, 2026 | RBC Capital | Reiterate | Outperform | $235 | $273 | |
| Jul 16, 2026 | Stephens | Reiterate | Overweight | $200 | $275 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 15, 2026Q2 FY26 | $4.46 | $4.85 | +8.7% | $6.51B | $6.88B | +5.5% | +0.41% |
| Apr 15, 2026Q1 FY26 | $3.93 | $4.13 | +5.1% | $6.24B | $6.17B | −1.2% | −0.90% |
| Jan 16, 2026Q4 FY25 | $4.23 | $4.88 | +15.4% | $5.96B | $6.07B | +1.9% | −0.99% |
| Oct 15, 2025Q3 FY25 | $4.05 | $4.35 | +7.4% | $5.83B | $5.92B | +1.5% | −2.18% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $8.10B | $8.38B | $8.79B | $8.72B | $8.64B | $9.02B | |
| Gross profit | $5.23B | $5.41B | $5.75B | $5.93B | $5.96B | $6.24B | |
| Operating income | $1.85B | $2.02B | $2.29B | $2.33B | $2.19B | $2.59B | |
| Net income | $1.48B | $1.63B | $1.81B | $2.02B | $1.76B | $2.04B | |
| Diluted EPS | $3.51 | $3.85 | $4.35 | $4.88 | $4.13 | $4.81 | |
| Gross margin | 64.6% | 64.6% | 65.4% | 68.0% | 68.9% | 69.2% | |
| Operating margin | 22.8% | 24.2% | 26.0% | 26.7% | 25.3% | 28.7% |
Fiscal years (4-quarter sums)FY21 $19.65B · FY22 $23.54B · FY23 $31.87B · FY24 $33.69B · FY25 $33.99B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $177.66B · Total debt $85.72B · Total assets $616.03B · Shareholders' equity $64.01B
Dividends
Raised for 16 straight years — most recently to $2.00 from $1.70 in Jul 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 20, 2026 | Jul 20 | Aug 5 | $2.00 | raised from $1.70 |
| Apr 14, 2026 | Apr 14 | May 5 | $1.70 | |
| Jan 20, 2026 | Jan 20 | Feb 5 | $1.70 | |
| Oct 14, 2025 | Oct 14 | Nov 5 | $1.70 | |
| Jul 15, 2025 | Jul 15 | Aug 5 | $1.70 | raised from $1.60 |
| Apr 16, 2025 | Apr 16 | May 5 | $1.60 | |
| Jan 15, 2025 | Jan 15 | Feb 5 | $1.60 | |
| Oct 16, 2024 | Oct 16 | Nov 5 | $1.60 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 399.00M · Float 397.59M · 99.7% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 32.17M | 8.06% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 26.21M | 6.57% | 13F | Aug 13, 2026 |
| State Street Corp | 18.43M | 4.62% | 13F | Aug 7, 2026 |
| FMR LLC | 14.25M | 3.57% | 13F | Aug 13, 2026 |
| Vanguard Portfolio Management LLC | 10.60M | 2.66% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 13, 2026 | Stacy M. Juchno | officer: Executive Vice President | −3,354 | $255.84 |
| Jul 22, 2026 | Guild Deborah | officer: Executive Vice President | −1,200 | $252.20 |
| Jun 12, 2026 | Michael Duane Thomas | officer: Executive Vice President | −1,500 | $238.14 |
| Jun 8, 2026 | Alexander E. C. Overstrom | officer: Executive Vice President | −1,500 | $227.97 |
| Jun 5, 2026 | Stephanie Novosel | officer: Executive Vice President | −1,800 | $228.73 |
Peers
- U.S. Bancorp
Closest super-regional peer competing in payments, C&IB, treasury, and retail.
- Truist Financial
Major Southeast/Mid-Atlantic super-regional competing in retail, C&IB, and wealth.
- Fifth Third
Midwest-rooted super-regional with expanded C&IB, payments, and retail scale.
- Wells Fargo
National bank competing in treasury management, middle-market C&IB, and retail.
- Citizens Financial Group
Northeast/Mid-Atlantic bank competing in retail, commercial banking, and wealth.
- M&T Bank
Mid-Atlantic/Northeast bank competing in C&I lending, CRE finance, and retail.
- KeyCorp
Midwest/Northeast bank competing in middle-market C&IB and capital markets.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| PNC Financial Services Group | $256.30 | +5.78% | $96.65B | 13.3 | 11.9 | 2.7 | +21.4% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Wells Fargo | $86.69 | +0.01% | $262.12B | 12.5 | 11.6 | 2.0 | +8.6% |
| Citizens Financial Group | $71.05 | +1.96% | $29.48B | 15.2 | 11.9 | 2.6 | +12.1% |
| M&T Bank | $237.29 | −0.08% | $34.39B | 12.5 | 11.9 | 2.8 | +5.7% |
| KeyCorp | $21.91 | +0.07% | $23.65B | 12.7 | 11.2 | 2.3 | +7.3% |
| Median | 12.5 | 11.6 | 2.3 | +8.6% |