PNC Financial Services Group, Inc. (PNC): price, analyst ratings, earnings and fundamentals
Updated 16 October 2026, 06:50 ET
PNC Financial Services Group, Inc. (PNC) closed at $214.94 on 15 October 2026, down 0.4%. The stock is down 7.1% over one month and up 13.3% over one year. It trades 17.0% below its 52-week high of $258.96. Analysts recorded 9 actions in the last 90 days; the median price target of $279 is 29.8% above the last close. The company last reported on 15 October 2026 for Q3 2026: EPS of $5.09 against an estimate of $4.91, a beat of 3.7%, on revenue of $6.6 billion.
Price and performance
Performance figures use dividend and split adjusted closes over trading sessions, so a one-year move compares the last close with the close 252 sessions earlier. The 52-week range uses the adjusted daily highs and lows of the same window. Read the guide: Momentum, trend and technical indicators.
The live chart with technical indicators is in the app: open PNC in FundSpec.
Analyst ratings
Over the last 90 days FundSpec recorded 9 analyst actions on PNC from 8 firms: 8 maintained or reiterated a view and 1 initiation. Price targets were 3 raised and 5 lowered. The most recent targets from 16 firms range from $245 to $290, with a median of $279, 29.8% above the last close.
| Date | Firm | Action | Price target |
|---|---|---|---|
| 8 Oct 2026 | TD Cowen | Reinstates Hold | $245.00 |
| 5 Oct 2026 | UBS | Maintains Buy | $288.00 to $286.00 |
| 5 Oct 2026 | Goldman Sachs | Maintains Neutral | $281.00 to $250.00 |
| 2 Oct 2026 | JP Morgan | Maintains Overweight | $269.50 to $258.00 |
| 1 Oct 2026 | Evercore ISI Group | Maintains Outperform | $285.00 to $265.00 |
| 1 Oct 2026 | Truist Securities | Maintains Hold | $264.00 to $252.00 |
| 28 Sep 2026 | HSBC | Maintains Buy | $275.00 to $283.00 |
| 29 Jul 2026 | JP Morgan | Maintains Overweight | $264.50 to $269.50 |
| 20 Jul 2026 | Citigroup | Maintains Buy | $280.00 to $290.00 |
| 17 Jul 2026 | Evercore ISI Group | Maintains Outperform | $280.00 to $285.00 |
A price target is one firm's twelve-month view, and the median across firms is a steadier reading than any single call. Upgrades and downgrades matter more when they change a rating, not only a target. Read the guide: What analyst ratings and price targets actually tell you.
Every action with the firm's history is in Analyst Ratings.
Earnings
The next report is scheduled for 15 January 2027 before the open for Q4 2026, with EPS expected at $5.10 on revenue of $6.7 billion. PNC Financial Services Group, Inc. beat the EPS estimate in 8 of its last 8 reported quarters.
| Period | Reported | EPS estimate | EPS actual | Surprise | Revenue |
|---|---|---|---|---|---|
| Q3 2026 | 15 Oct 2026 | $4.91 | $5.09 | +3.67% | $6.6B |
| Q2 2026 | 15 Jul 2026 | $4.43 | $4.85 | +9.48% | $6.9B |
| Q1 2026 | 15 Apr 2026 | $4.03 | $4.32 | +7.20% | $6.2B |
| Q4 2025 | 16 Jan 2026 | $4.22 | $4.88 | +15.64% | $6.1B |
| Q3 2025 | 15 Oct 2025 | $4.05 | $4.35 | +7.41% | $5.9B |
| Q2 2025 | 16 Jul 2025 | $3.54 | $3.85 | +8.76% | $5.7B |
| Q1 2025 | 15 Apr 2025 | $3.38 | $3.51 | +3.85% | $5.5B |
| Q4 2024 | 16 Jan 2025 | $3.31 | $3.77 | +13.90% | $5.6B |
An earnings surprise is the reported EPS against the consensus estimate on the day. The price reaction depends as much on guidance and on what was already priced in as on the surprise itself. Read the guide: Earnings season: estimates, surprises and price reaction.
Estimates, confirmed dates and alerts for every company are in Earnings.
Fundamentals
For the period ended 30 June 2026, PNC Financial Services Group, Inc. reported revenue of $6.9 billion and net income of $2.0 billion. On a trailing twelve month basis the company shows revenue growth of 13.18%, a gross margin of N.A., an operating margin of N.A. and a return on equity of 12.64%.
Income statement
| Line | Amount |
|---|---|
| Revenue | $6,875,000,000 |
| Depreciation & Amortization | $107,000,000 |
| Pre-tax Income | $2,586,000,000 |
| Income Tax Expense | $531,000,000 |
| Net Income | $2,040,000,000 |
Cash flow
| Line | Amount |
|---|---|
| Cash from Operating Activities | $2,147,000,000 |
| Cash from Investing Activities | -$15,060,000,000 |
| Cash from Financing Activities | $9,959,000,000 |
| Dividends Paid | $691,000,000 |
| Share Repurchases | $622,000,000 |
Assets
| Line | Amount |
|---|---|
| Cash & Cash Equivalents | $28,745,000,000 |
| Restricted Cash | $882,000,000 |
| Plant, Property & Equipment, Net | $8,935,000,000 |
| Operating Lease Right-of-Use Assets | $1,692,000,000 |
| Goodwill Intangible Assets, Net | $13,317,000,000 |
| Deferred Tax Asset | $3,495,000,000 |
| Total Assets | $616,034,000,000 |
Liabilities and equity
| Line | Amount |
|---|---|
| Long-term Debt | $85,723,000,000 |
| Operating Lease Liabilities, Long-term | $1,933,000,000 |
| Minority Interest | $53,000,000 |
| Other Borrowings | $2,767,000,000 |
| Total Liabilities | $551,973,000,000 |
| Common Stock | $2,786,000,000 |
| Additional Paid In Capital | $21,999,000,000 |
| Retained Earnings | $65,518,000,000 |
| Treasury Stock | -$22,175,000,000 |
| Other Accumulated Comprehensive Income | -$4,120,000,000 |
| Total Stockholders Equity | $64,008,000,000 |
| Total Liability & Stockholders Equity | $616,034,000,000 |
Figures as filed with the SEC for the period ended 30 June 2026, in US dollars.
FundSpec fundamental metrics
Each metric is computed from the company's filings and ranked against every company FundSpec covers; the percentile is the share of covered companies with a lower value.
Leverage
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Debt/Assets | 0.14 | 61st | Calculated as the ratio of Short-Term Debt + Long-Term Debt / Total Assets. The higher the ratio, the higher the degree of leverage, and consequently, financial risk |
| Debt/Equity | 1.34 | 82nd | Calculated as the ratio of Total Liabilities / Shareholders' Equity. The ratio indicates how much debt a company is using to finance its assets relative to the amount of value represented in shareholders’ equity |
| Long Term Debt/Long Term Capital | 0.57 | 69th | Calculated as Long-Term Debt / (Long-Term Debt + Shareholders' Equity). The ratio is an indicator of the company's leverage |
Earnings Growth (Net Income)
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Net Income Pct Growth | 23.2% | 60th | The Net Income growth rate over the trailing twelve months (TTM) |
| Net Income Pct Growth 3 year CAGR | 6.4% | 56th | The Net Income compound annual growth rate (CAGR) over the past 3 years |
| Net Income Pct Growth 5 year CAGR | 5.4% | 55th | The Net Income compound annual growth rate (CAGR) over the past 5 years |
Cashflow
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Operating Cashflow Pct Growth | 23.6% | 63rd | The Operating Cashflow growth rate over the trailing twelve months (TTM) |
| Operating Cashflow Pct Growth 3 year CAGR (FY) | -15.9% | 23rd | The Operating Cashflow compound annual growth rate (CAGR) over the past 3 years |
| Operating Cashflow Pct Growth 5 year CAGR (FY) | 10.6% | 68th | The Operating Cashflow compound annual growth rate (CAGR) over the past 5 years |
Profitability
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| PreTax Margin Pct | 37.5% | 91st | Calculated as the ratio of (Gross profit - (Operating Expense + Interest Expense)) / Revenue. The pretax profit margin enables profitability to be compared across companies with significant differences in size, scale, capital structure and tax rates. |
| Return on Assets Pct | 1.3% | 61st | Calculated as the ratio of Net Income / Total Assets. It is an indicator of how efficient the company is at using its assets to generate earnings. |
| Return on Equity Pct | 12.6% | 74th | Calculated as the ratio of Net Income / Shareholders' equity. It is a measure of how much profit a company generates with the money shareholders have invested. |
Top Line Growth
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Revenue Pct Growth | 13.2% | 68th | The Revenue (Sales) growth rate over the trailing twelve months (TTM) |
| Revenue Pct Growth 3 year CAGR | 4.1% | 47th | The Revenue (Sales) compound annual growth rate (CAGR) over the past 3 years |
| Revenue Pct Growth 5 year CAGR | 7.6% | 51st | The Revenue (Sales) compound annual growth rate (CAGR) over the past 5 years |
Taxes
| Metric | Value | Percentile | What it measures |
|---|---|---|---|
| Effective Tax Rate Pct | 18.2% | 62nd | The effective tax rate of the company over the trailing twelve months (TTM). |
Margins and returns say how much of each dollar of sales becomes profit and how hard the balance sheet is working; leverage and liquidity say how much room the company has when conditions turn. Read the guide: A practical guide to discounted cash flow valuation.
Fair value, peer multiples and the full statement history are in the app: open PNC in FundSpec.
Insider activity
In the last 90 days insiders filed 11 transactions: 8 acquisitions covering 717 shares. Acquisitions include awards and option exercises as well as open market purchases. The largest by value was a disposal of 3,354 shares by Stacy M. Juchno, Executive Vice President on 13 August 2026, worth about $858,076 at the transaction price.
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 1 Oct 2026 | Andrew T Feldstein | Director | Acquisition | 176 | $220.75 | $39K |
| 1 Oct 2026 | Bryan Scott Salesky | Director | Acquisition | 119 | $220.75 | $26K |
| 1 Oct 2026 | Debra A Cafaro | Director | Acquisition | 119 | $220.75 | $26K |
| 1 Oct 2026 | Renu Khator | Director | Acquisition | 119 | $220.75 | $26K |
| 1 Oct 2026 | Daniel Hesse | Director | Acquisition | 65 | $220.75 | $14K |
| 1 Oct 2026 | Robert A Niblock | Director | Acquisition | 59 | $220.75 | $13K |
| 1 Oct 2026 | Douglas A. Dachille | Director | Acquisition | 30 | $220.75 | $7K |
| 1 Oct 2026 | Richard J Harshman | Director | Acquisition | 30 | $220.75 | $7K |
| 13 Aug 2026 | Stacy M. Juchno | Executive Vice President | S | 3,354 | $255.84 | $858K |
| 22 Jul 2026 | Guild Deborah | Executive Vice President | S | 1,200 | $252.19 | $303K |
| 22 Jul 2026 | Guild Deborah | Executive Vice President | G | 72 | ||
| 1 Jul 2026 | Andrew T Feldstein | Director | Acquisition | 392 | $251.62 | $99K |
| 1 Jul 2026 | Debra A Cafaro | Director | Acquisition | 303 | $251.62 | $76K |
| 1 Jul 2026 | Renu Khator | Director | Acquisition | 204 | $251.62 | $51K |
| 1 Jul 2026 | Bryan Scott Salesky | Director | Acquisition | 184 | $251.62 | $46K |
Insider filings record what officers and directors did with their own shares. Disposals are often planned sales or tax related, so a pattern across several insiders says more than one filing.
SEC filings
The latest filing is a 10-Q from 5 August 2026.
| Filed | Form | Document |
|---|---|---|
| 5 Aug 2026 | 10-Q | View on sec.gov |
| 5 May 2026 | 10-Q | View on sec.gov |
| 20 Feb 2026 | 10-K | View on sec.gov |
| 3 Nov 2025 | 10-Q | View on sec.gov |
| 1 Aug 2025 | 10-Q | View on sec.gov |
| 2 May 2025 | 10-Q | View on sec.gov |
| 21 Feb 2025 | 10-K | View on sec.gov |
| 1 Nov 2024 | 10-Q | View on sec.gov |
| 2 Aug 2024 | 10-Q | View on sec.gov |
| 2 May 2024 | 10-Q | View on sec.gov |
Company profile
- Exchange
- NYSE
- Sector
- Banks
- Industry
- Banking
- Headquarters
- Pittsburgh, Pennsylvania
- Chief executive
- William S. Demchak
- Employees
- 61,500
- Website
- pnc.com
- SEC CIK
- 0000713676
PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. Retail Banking segment offers brokerage, insurance, and investment and cash management services. Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases. Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash. solutions, private banking, and trust management and administration solutions.
Sector and peers
PNC Financial Services Group, Inc. is part of the Banks sector, which FundSpec tracks across 311 companies.
Companies in the same industry by market capitalization:
JPM JPMorgan Chase & Co.BAC Bank of America Corp.WFC Wells Fargo & CompanyC Citigroup Inc.UBS UBS Group AGCOF Capital One Financial Corp.USB US Bancorp \de\TFC Truist Financial Corp.
Put two of them side by side in Compare.
In FundSpec: the fair value estimate, the momentum reading, relative valuation against sector and industry peers, unusual options activity and AI model signals for PNC are available to subscribers, with the same screen in the iOS and Android apps.
Open PNC in FundSpec