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PNC Financial Services
PNCFinancialsGenerated Aug 19, 2026, 11:21 PM UTC
PNC (PNC Financial Services) analytical snapshot. Revenue grew +7.2% YoY to $23.10B. 5-year revenue CAGR +3.8%; 10y CAGR +4.8%. Net margin at 30.29% (expanding ▲). Market cap $98.32B at $246.46 per share. Trailing P/E 14.86, P/S 4.26, P/B 1.54. EV/Operating income ≈ 27.84 (EV $155.30B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score -2 (data confidence 73%). Descriptive analytics from public filings — not investment advice.
Free SEC analysis
— computed from SEC filings, free to readFilings & Ownership
Latest annual report (10-K) filed Feb 20, 2026. Latest quarterly report (10-Q) filed Aug 5, 2026. 9 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 20, 2026.
- Latest quarterly report (10-Q) filed Aug 5, 2026.
- 9 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- ~10,000+ recent 13F-HR filings reference PNC Financial Services; broad institutional reporting.
- Recent filers include PNC FINANCIAL SERVICES GROUP INC (PNC), PNC FINANCIAL SERVICES GROUP INC (PNC), PNC FINANCIAL SERVICES GROUP INC (PNC).
- 2 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 18 recent 13G passive institutional ownership notices.
| Filer | Form | Filed |
|---|---|---|
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Aug 5, 2011 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Nov 9, 2007 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Aug 6, 2004 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | May 6, 2011 |
| PNC FINANCIAL SERVICES GROUP INC (PNC) | 13F-HR | Nov 4, 2005 |
| Date | Form | Description |
|---|---|---|
| Jul 21, 2026 | 8-K | 8-K |
| Jul 15, 2026 | 8-K | 8-K |
| Jul 15, 2026 | 8-K | 8-K |
| Jun 22, 2026 | 8-K | 8-K |
| May 26, 2026 | 8-K | 8-K |
| Apr 24, 2026 | 8-K | 8-K |
| Apr 15, 2026 | 8-K | 8-K |
| Apr 15, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
4 risk signal(s) detected from XBRL filing diff analysis. 4 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- Earnings-cash flow divergence: Net income grew +17.5% while operating cash flow declined -44.4%. This divergence may indicate accrual-based earnings inflation — non-cash gains, aggressive revenue recognition, or working capital absorption. The accrual ratio (NI − OCF) is deteriorating.
- NEW: Going concern doubt in latest filing: The term "going concern" "substantial doubt" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 2 filing(s).
- NEW: Substantial doubt about ability to continue in latest filing: The term "substantial doubt" "ability to continue" appears in recent 10-K/10-Q filings but was NOT present in the prior 24-month period. This is a new risk disclosure that warrants attention. Found in 1 filing(s).
- Restatement of financial statements: The term "restatement of" "previously issued" appears in 2 recent filing(s) (vs 1 in the prior period). This risk language is ongoing.
- Endogenous analysis: 4 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 10 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 2 new risk-language term(s) detected in filing text: Going concern doubt, Substantial doubt about ability to continue.
- Ongoing high-severity risk language: Restatement of financial statements.
| Metric | Prior year | Latest year | Change | % Change |
|---|---|---|---|---|
| Revenue | $21.55B | $23.10B | $1.54B | +7.2% |
| Operating income | $6.04B | $5.58B | $-463.0M | -7.7% |
| Net income | $5.95B | $7.00B | $1.04B | +17.5% |
| Operating cash flow | $7.88B | $4.38B | $-3.50B | -44.4% |
| Total assets | $560.04B | $573.57B | $13.53B | +2.4% |
| Total liabilities | $505.57B | $512.94B | $7.37B | +1.5% |
| Long-term debt | $61.67B | $57.10B | $-4.57B | -7.4% |
| Cash & equivalents | $46.25B | $39.71B | $-6.54B | -14.1% |
| Stockholders equity | $54.42B | $60.59B | $6.16B | +11.3% |
| Interest expense | $2.42B | $10.39B | $7.97B | +329.1% |
| Type | Concepts |
|---|---|
| Added | BusinessCombinationAcquisitionRelatedCosts, BusinessCombinationIntegrationRelatedCosts, FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate, GoodwillPeriodIncreaseDecrease, NetIncomeLoss, PaymentsToAcquireBusinessesNetOfCashAcquired, ProceedsFromFederalHomeLoanBankBorrowings, ProceedsFromIssuanceOfSubordinatedLongTermDebt, ProceedsFromPaymentsForOtherFinancingActivities, StockIssuedDuringPeriodValueRestrictedStockAwardGross |
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AdjustmentForAmortization, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Going concern doubt | high | 2 | 0 | NEW |
| Substantial doubt about ability to continue | high | 1 | 0 | NEW |
| Restatement of financial statements | high | 2 | 1 | Ongoing |
| Impairment charge | medium | 5 | 2 | Ongoing |
| Restructuring | medium | 5 | 8 | Ongoing |
| Off-balance sheet arrangements | medium | 5 | 8 | Ongoing |
| Related party transactions | low | 5 | 0 | NEW |
Fundamentals
Revenue grew +7.2% YoY to $23.10B. 5-year revenue CAGR +3.8%; 10y CAGR +4.8%. Net margin at 30.29% (expanding ▲).
- Revenue grew +7.2% YoY to $23.10B.
- 5-year revenue CAGR +3.8%; 10y CAGR +4.8%.
- Net margin at 30.29% (expanding ▲).
- Return on equity 11.55%, ROA 1.22%, ROIC 0.00%.
- Gross margin 0.00%, operating margin 0.00%.
- Net income up ▲ +17.5% YoY.
- Debt/equity 1.34, current ratio —, net debt $56.98B.
- Asset turnover 0.04 — capital efficiency.
| FY | Revenue | Rev YoY | Gross% | Op% | Net% | FCF | ROE% |
|---|---|---|---|---|---|---|---|
| 2024 | $21.55B | +0.3% | 0.00 | 0.00 | 27.62 | — | 10.94 |
| 2025 | $23.10B | +7.2% | 0.00 | 0.00 | 30.29 | — | 11.55 |
| Quarter end | Revenue | YoY | QoQ | Net margin |
|---|---|---|---|---|
| Sep 30, 2024 | $5.43B | +3.8% | — | — |
| Mar 31, 2025 | $5.45B | +6.0% | +0.4% | — |
| Jun 30, 2025 | $5.66B | +4.6% | +3.8% | 28.74% |
| Sep 30, 2025 | $5.92B | +8.9% | +4.5% | — |
| Mar 31, 2026 | $6.17B | +13.1% | +4.2% | — |
| Jun 30, 2026 | $6.88B | +21.4% | +11.5% | 29.67% |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $98.32B at $246.46 per share. Trailing P/E 14.86, P/S 4.26, P/B 1.54. EV/Operating income ≈ 27.84 (EV $155.30B).
- Market cap $98.32B at $246.46 per share.
Price & Technicals
Price $246.46 — uptrend (above 200-DMA); 1-month momentum negative. RSI(14) 45.76.
- Price $246.46 — uptrend (above 200-DMA); 1-month momentum negative.
Macro & Rates
Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.71%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Elevated. Leverage debt/equity 1.34 (moderate). Earnings stability: net-margin stdev 6.82pp over 19y.
- Composite risk: Elevated.
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3 sections free · 4 Pro previews · composite -2
Macro exposure
Rate-sensitive · High sensitivityMacro regime: Risk-on · Supportive. PNC Financial Services is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.
Analytical read
deterministic previewRevenue grew **+7.2%** YoY to $23.10B..
Peer comparison
Rate-sensitive groupHow PNC stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.
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|---|---|---|
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| Visa Inc. V | 24 | Neutral |
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| U.S. Bancorp USB | 10 | Neutral |
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| Chubb Ltd. CB | 7 | Neutral |
| MetLife Inc. MET | 7 | Neutral |
| JPMorgan Chase & Co. JPM | 7 | Neutral |
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| Dominion Energy D | 4 | Neutral |
| Bank of America Corp. BAC | 3 | Neutral |
| Moody's Corp. MCO | 2 | Neutral |
| Wells Fargo & Co. WFC | 1 | Neutral |
| BlackRock Inc. BLK | 1 | Neutral |
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| American Electric Power AEP | 0 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Truist Financial TFC | -1 | Neutral |
| PNC Financial Services PNC● you | -2 | Neutral |
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