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PNC Financial Services
PNCFinancialsGenerated Jul 6, 2026, 10:00 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 $101.67B at $253.18 per share. Trailing P/E 15.26, P/S 4.40, P/B 1.60. EV/Operating income ≈ 24.50 (EV $136.64B). Risk: Elevated. Macro: Risk-on · Supportive. Composite analytical score 5 (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 May 5, 2026. 10 recent 8-K material-event filings in the index.
- Latest annual report (10-K) filed Feb 20, 2026.
- Latest quarterly report (10-Q) filed May 5, 2026.
- 10 recent 8-K material-event filings in the index.
- Recent insider Form 4s: 0 buy vs 0 sell transactions.
- 2 recent 13D activist/beneficial-ownership filings — potential catalyst.
- 18 recent 13G passive institutional ownership notices.
| Date | Form | Description |
|---|---|---|
| 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 |
| Jan 26, 2026 | 8-K | 8-K |
| Jan 16, 2026 | 8-K | 8-K |
| Jan 16, 2026 | 8-K | 8-K |
SEC Filing Deep-Analysis
3 risk signal(s), 1 watch item(s) detected from XBRL filing diff analysis. 3 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: 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).
- NEW: Restatement of financial statements in latest filing: The term "restatement of" "previously issued" 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: Off-balance sheet arrangements: Off-balance sheet arrangements appears in recent filings but not in the prior 24-month period. Monitor for materiality.
- Endogenous analysis: 3 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
- 6 new XBRL disclosure(s) in latest filing — expanding reporting scope.
- 20 disclosure(s) dropped from prior year — reduced reporting granularity.
- 3 new risk-language term(s) detected in filing text: Substantial doubt about ability to continue, Restatement of financial statements, Off-balance sheet arrangements.
| 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 | FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate, GoodwillPeriodIncreaseDecrease, PaymentsToAcquireBusinessesNetOfCashAcquired, ProceedsFromIssuanceOfSubordinatedLongTermDebt, ProceedsFromPaymentsForOtherFinancingActivities, StockIssuedDuringPeriodValueRestrictedStockAwardGross |
| Removed | AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment, AdjustmentForAmortization, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue, AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost, AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue |
| Term | Severity | Recent | Prior | Status |
|---|---|---|---|---|
| Substantial doubt about ability to continue | high | 1 | 0 | NEW |
| Restatement of financial statements | high | 2 | 0 | NEW |
| Restructuring | medium | 5 | 8 | Ongoing |
| Off-balance sheet arrangements | medium | 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 1.05, current ratio —, net debt $34.97B.
- 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 |
|---|---|---|---|---|
| Jun 30, 2024 | $5.41B | +2.2% | — | — |
| Sep 30, 2024 | $5.43B | +3.8% | +0.4% | — |
| Mar 31, 2025 | $5.45B | +6.0% | +0.4% | — |
| Jun 30, 2025 | $5.66B | +4.6% | +3.8% | — |
| Sep 30, 2025 | $5.92B | +8.9% | +4.5% | — |
| Mar 31, 2026 | $6.17B | +13.1% | +4.2% | — |
Pro analysis — preview
— score, signals & key metrics shown; full reasoning lockedValuation
Market cap $101.67B at $253.18 per share. Trailing P/E 15.26, P/S 4.40, P/B 1.60. EV/Operating income ≈ 24.50 (EV $136.64B).
- Market cap $101.67B at $253.18 per share.
Price & Technicals
Price $253.18 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 68.98.
- Price $253.18 — uptrend (above 200-DMA); 1-month momentum positive.
Macro & Rates
Risk-on · Supportive. Real GDP growth 2.10% (quarterly, as of Jan 1, 2026). CPI inflation +4.2% YoY (above the Fed's long-run ~2% target). Fed funds rate 3.63%, 10Y Treasury 4.49%.
- Market regime: Risk-on · Supportive.
Risk Scorecard
Composite risk Elevated. Leverage debt/equity 1.05 (moderate). Earnings stability: net-margin stdev 6.82pp over 19y.
- Composite risk: Elevated.
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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.
| Company | Score | Macro |
|---|---|---|
| Allstate Corp. ALL | 30 | Neutral |
| Capital One Financial COF | 23 | Neutral |
| Chubb Ltd. CB | 20 | Neutral |
| American Express Co. AXP | 16 | Neutral |
| U.S. Bancorp USB | 14 | Neutral |
| Simon Property Group SPG | 13 | Neutral |
| Dominion Energy D | 12 | Neutral |
| Mastercard Inc. MA | 8 | Neutral |
| Visa Inc. V | 7 | Neutral |
| Charles Schwab Corp. SCHW | 6 | Neutral |
| CME Group Inc. CME | 6 | Neutral |
| JPMorgan Chase & Co. JPM | 6 | Neutral |
| PNC Financial Services PNC● you | 5 | Neutral |
| Moody's Corp. MCO | 5 | Neutral |
| Wells Fargo & Co. WFC | 5 | Neutral |
| Citigroup Inc. C | 3 | Neutral |
| Exelon Corp. EXC | 3 | Neutral |
| Realty Income Corp. O | 3 | Neutral |
| Duke Energy Corp. DUK | 2 | Neutral |
| Bank of America Corp. BAC | 2 | Neutral |
| Travelers Cos. TRV | 2 | Neutral |
| American International Group AIG | 1 | Neutral |
| Bank of New York Mellon BK | 0 | Neutral |
| Marsh & McLennan MMC | 0 | Neutral |
| Equity Residential EQR | 0 | Neutral |
| Public Storage PSA | -1 | Neutral |
| Welltower Inc. WELL | -1 | Neutral |
| NextEra Energy NEE | -2 | Neutral |
| Morgan Stanley MS | -2 | Neutral |
| Prologis Inc. PLD | -3 | Neutral |
| Digital Realty Trust DLR | -4 | Neutral |
| Xcel Energy XEL | -5 | Neutral |
| Truist Financial TFC | -5 | Neutral |
| American Water Works AWK | -9 | Neutral |
| Goldman Sachs Group GS | -10 | Neutral |
| S&P Global SPGI | -10 | Neutral |
| MetLife Inc. MET | -13 | Neutral |
| BlackRock Inc. BLK | -14 | Neutral |
| Southern Company SO | -15 | Neutral |
| Equinix Inc. EQIX | -16 | Neutral |
| American Electric Power AEP | -18 | Neutral |
| Crown Castle Inc. CCI | -19 | Neutral |
| American Tower Corp. AMT | -39 | Neutral |