PNC Financial Services
NYSE: PNC
Stock price
224.54 USD
(+3.92%) 5 years
Financial Performance
5Y price score: 5
The price score is a basic measure of the stock's performance against the S&P 500 Index over a five-year period.
A score of 100 indicates that the stock did as well as the S&P 500 Index.
A score below 100 means the stock underperformed the index, while a score above 100 means it outperformed the S&P 500.
10Y return: 191.7%
%
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177.0
52-week range
258.9
Your model inputs
Your fair value & Margin of safety
To calculate fair value based on cost of capital and terminal growth assumptions above, please select free cash flow forecast.
Forecast:
Valuation
Free Cash Flow Yield
5.3 %
Dividend Yield TTM
3.3 %
Market cap $
$ 89,579
Price / Earnings TTM
11.9
Price / Book TTM
1.4
PEG TTM
0.6
Earnings growth and return
LTM
5YR
10YR
Total return (price & dividends)
27.6 %
17.6 %
191.7 %
Free cash flow per share growth
(20.8) %
2 %
4.9 %
Earnings per share growth
14.3 %
160.8 %
124.5 %
Founded: 1,845
Employees: 53,686
Business Summary:
Q&A
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Latest Earnings Call Takeaways
2026 Q3 (Oct 15, 2026)
1) Strong Financial Performance - PNC reported a net income of $2.1 billion or $5.09 per diluted share for Q3 2026, with a return on tangible common equity exceeding 18%. - Total revenue was $6.6 billion, a decline of 5% from the previous quarter, while noninterest expense decreased by 8% to $3.8 billion. - Year-to-date, PPNR increased by 17% compared to the same period last year, contributing to a 19% growth in diluted EPS.
2) Robust Growth Across Segments - Corporate & Institutional Banking (C&IB) saw a 5% average loan growth in Q3, with a 17% year-over-year increase, driven by the addition of 500 new client relationships. - Retail Banking added 215,000 net new checking accounts in 2026, with total accounts up 2% year-over-year. - Asset management fees increased by 10% year-to-date, with assets under administration totaling $0.5 trillion.
3) Challenges and Credit Quality - Nonperforming loans rose by 8% to $2.2 billion, primarily due to previously reserved commercial real estate loans. - Total delinquencies decreased to 0.34% of total loans, indicating overall strong credit quality. - The bank is managing a transition away from student loans, which has impacted consumer loan growth.
4) Strategic Outlook and Guidance - PNC expects average loan growth of approximately 13.5% for the full year 2026, with net interest income projected to increase by 15.5%. - For Q4 2026, average loans are expected to grow by 2.5%, with net interest income anticipated to rise by 4%. - The bank is focused on disciplined growth and prudent risk management, with plans to continue investing in capabilities that enhance its competitive position.
5) Missing Information - The transcript does not provide detailed segment breakdowns for all revenue sources or specific future guidance for 2027, which could impact investor expectations.
Bottom line: PNC's strong Q3 performance, driven by robust growth across its banking segments and disciplined expense management, positions the bank favorably for continued growth despite some credit quality challenges. The focus on strategic investments and client acquisition suggests a positive outlook for shareholders.
Annual Reports, Presentations And IR Contacts
Go to the websitePNC Financial Services — Financial Overview, Stock Price, Market Cap
PNC Financial Services is a company. Founded in 1845. As of October 23, 2026, the company's market capitalization is $89578885760 with a current stock price of $224.54.