New York Post·16h ago
Banks seek work-around on debit card fee limitsSome industry leaders are reportedly eyeing a deal that could help them skirt around limits on how much they can charge for debit-card fees.
The PNC Financial Services Group, Inc.(PNC)Earnings, Financials & Key Ratios
PNC•NYSE•Banking & Credit
$254.01
15.3× P/E·Price updated Jul 7, 2026
AboutThe PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of 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, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's 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 for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.Show more
- Net Interest Income$14.41B+6.7%
- Total Revenue$31.34B-7.0%
- Net Income$6.94B+17.8%
- Return on Equity12.05%+8.1%
- Net Interest Margin2.51%+4.2%
- Efficiency Ratio44.58%+17.6%
- ROA1.22%+16.5%
- Equity / Assets10.57%+8.7%
- Book Value per Share153.90+13.0%
PNC Price & Volume
The PNC Financial Services Group, Inc. (PNC) stock price & volume — 10-year historical chart
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Provisioning Volatility Clouds Net Interest Income Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Mixed
Cash Flow:Deteriorating
Primary Risk:Credit Provisioning Volatility
Key Thesis Takeaways
- PNC demonstrates a complex fundamental profile where accelerating 14.0% year-over-year net interest income growth is currently overshadowed by a massive $2.3 billion provision for credit losses in 2026Q1.
- While the bank has successfully expanded its total assets to $603.0 billion, the sharp reversal in non-interest income to a negative $279 million suggests significant sensitivity to market-driven fee volatility.
- Investors should monitor whether the recent spike in the efficiency ratio to 61.1% represents a temporary operational adjustment or a more permanent shift in the bank's cost structure.
Verdict Logic
while the bank shows growth momentum in net interest income, the recent $2.3 billion provision for credit losses and negative non-interest income of $279 million warrant a cautious wait-and-see approach.
PNC Growth Metrics
The PNC Financial Services Group, Inc. (PNC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.78%
5 Years11.41%
3 Years10.02%
TTM-
Profit CAGR
10 Years5.38%
5 Years-1.6%
3 Years4.71%
TTM19.45%
EPS CAGR
10 Years8.42%
5 Years21.14%
3 Years6.2%
TTM21.54%
Return on Capital
10 Years5.7%
5 Years6.55%
3 Years5.72%
Last Year6.38%
PNC Recent Earnings
The PNC Financial Services Group, Inc. (PNC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
Apr 15, 2026Metric
Actual
Est
EPS
$4.13+5.1%
$3.93
Rev
$6.2B-1.2%
$6.2B
Q1 2026
Jan 16, 2026Metric
Actual
Est
EPS
$4.88+15.4%
$4.23
Rev
$6.1B+1.9%
$6.0B
Q4 2025
Oct 15, 2025Metric
Actual
Est
EPS
$4.35+7.4%
$4.05
Rev
$5.9B+1.5%
$5.8B
Q3 2025
Jul 16, 2025Metric
Actual
Est
EPS
$3.85+8.5%
$3.55
Rev
$5.7B+1.0%
$5.6B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 15, 2026 | $4.13vs $3.93+5.1% | $6.2Bvs $6.2B-1.2% |
| Q1 2026 | Jan 16, 2026 | $4.88vs $4.23+15.4% | $6.1Bvs $6.0B+1.9% |
| Q4 2025 | Oct 15, 2025 | $4.35vs $4.05+7.4% | $5.9Bvs $5.8B+1.5% |
| Q3 2025 | Jul 16, 2025 | $3.85vs $3.55+8.5% | $5.7Bvs $5.6B+1.0% |
Based on last 12 quarters of dataView full earnings history →
Latest PNC News
Recent stock market news and headlines for The PNC Financial Services Group, Inc. (PNC)
Zacks Investment Research·17h ago
PNC Financial Rewards Shareholders With 18% Dividend Hike, Stock UpPNC raises its dividend by 18% following the Fed's 2026 stress test, reflecting a strong capital position and shareholder return plans.
Investopedia·19h ago
Big Banks Are Considering a Deal to Get Around Debit Card Fee Caps. This Fintech Stock is Rising on the NewsBig banks have reportedly been looking to acquire a payments processing network from Fiserv, and the financial technology firm's stock is getting a boost Tuesday on the news.
PRNewsWire·23h ago
PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial LivesA Personalized, Customizable Experience Powered by Secure, Scalable Technology PITTSBURGH, July 7, 2026 /PRNewswire/ -- PNC today announced the launch of its new Mobile Banking app, a modernized platform that delivers a personalized, secure and high-performing digital experience to help retail clients seamlessly manage their financial lives. PNC is introducing the new app through a phased rollout to ensure a seamless transition for clients.
GuruFocus·1 day ago
PNC DCF Analysis: Intrinsic Value $247 vs Price $253On July 07, 2026, we delve into the DCF analysis for PNC Financial Services Group Inc (PNC). The company has shown a strong price performance with a year-to-dat
Peers Comparison
Key metrics vs top competitors for The PNC Financial Services Group, Inc. (PNC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $254.01 | $102B | 15.31 | -6.98% | 22.13% | 12.05% | 2.63% | |
| $62.89 | $97.97B | 13.64 | 0.35% | 18.02% | 12.13% | — | |
| $50.89 | $63.4B | 13.32 | 25.5% | 18.14% | 8.51% | — | |
| $30.59 | $26.1B | 13.36 | 2.51% | 23.13% | 11.75% | — | |
| $71.78 | $30.35B | 18.60 | -9.71% | 17.51% | 7.63% | — | |
| $18.01 | $36.51B | 12.96 | 4.38% | 16.63% | 8.81% | — |
Compare PNC vs Peers
The PNC Financial Services Group, Inc. (PNC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PNC SEC Filings & Documents
The PNC Financial Services Group, Inc. (PNC) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Jun 22, 2026·SEC
Material company update
May 26, 2026·SEC
Material company update
Apr 24, 2026·SEC
10-K Annual Reports
1FY 2026
Feb 20, 2026·SEC
10-Q Quarterly Reports
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PNC Frequently Asked Questions
The PNC Financial Services Group, Inc. (PNC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is The PNC Financial Services Group, Inc. growing?
The PNC Financial Services Group, Inc. (PNC) saw revenue decline by 7.0% over the past year.
Is PNC profitable?
Yes, The PNC Financial Services Group, Inc. (PNC) is profitable, generating $7.21B in net income for fiscal year 2025 (22.1% net margin).
Dividend & Returns
Does PNC pay dividends?
Yes, The PNC Financial Services Group, Inc. (PNC) pays a dividend with a yield of 2.63%. This makes it attractive for income-focused investors.
What is PNC's return on equity?
The PNC Financial Services Group, Inc. (PNC) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.
Industry Metrics
What is The PNC Financial Services Group, Inc.'s net interest margin?
The PNC Financial Services Group, Inc. (PNC) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.
What is The PNC Financial Services Group, Inc.'s efficiency ratio?
The PNC Financial Services Group, Inc. (PNC) has an efficiency ratio of 44.6%. This is excellent, indicating strong cost control.