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Upturn AI SWOT - About
PNC 
PNC Financial Services Group Inc (PNC)
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Upturn Advisory Summary
08/14/2025: PNC (3-star) is a REGULAR-BUY. BUY since 64 days. Profits (10.35%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $214.95
1 Year Target Price $214.95
| 11 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 47.43% | Avg. Invested days 70 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 76.62B USD | Price to earnings Ratio 13.3 | 1Y Target Price 214.95 |
Price to earnings Ratio 13.3 | 1Y Target Price 214.95 | ||
Volume (30-day avg) 23 | Beta 1.09 | 52 Weeks Range 142.39 - 210.46 | Updated Date 08/15/2025 |
52 Weeks Range 142.39 - 210.46 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) 14.63 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-16 | When Before Market | Estimate 3.55 | Actual 3.85 |
Profitability
Profit Margin 29.23% | Operating Margin (TTM) 37.43% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 11.37% |
Valuation
Trailing PE 13.3 | Forward PE 12.58 | Enterprise Value 133825101824 | Price to Sales(TTM) 3.61 |
Enterprise Value 133825101824 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 6.18 | Enterprise Value to EBITDA - | Shares Outstanding 393807008 | Shares Floating 390660861 |
Shares Outstanding 393807008 | Shares Floating 390660861 | ||
Percent Insiders 0.38 | Percent Institutions 84.92 |
Upturn AI SWOT
PNC Financial Services Group Inc
Company Overview
History and Background
PNC Financial Services Group, Inc. was formed in 1983 through the merger of Pittsburgh National Corporation and Provident National Corporation. It has grown through acquisitions and organic growth to become a major financial services company.
Core Business Areas
- Retail Banking: Offers a wide range of deposit, lending, and investment products and services to individuals and small businesses.
- Corporate & Institutional Banking: Provides corporate banking, real estate finance, equipment finance, and other services to mid-sized and large corporations.
- Asset Management Group: Delivers investment management and wealth management solutions to individuals and institutions.
Leadership and Structure
William S. Demchak is the Chairman, President and Chief Executive Officer. The company operates with a board of directors and various executive management teams overseeing different business segments.
Top Products and Market Share
Key Offerings
- Checking Accounts: Variety of checking accounts tailored to different customer needs. Market share data for checking accounts across the US is difficult to isolate specifically for PNC, but PNC is a major player in the industry. Competitors include Bank of America (BAC), JPMorgan Chase (JPM), Wells Fargo (WFC), and U.S. Bancorp (USB).
- Commercial Lending: Provides loans and other credit products to businesses. The commercial lending market is highly competitive. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and Citigroup (C).
- Wealth Management: Offers investment advice and financial planning services. Competitors include Morgan Stanley (MS), Goldman Sachs (GS), and Charles Schwab (SCHW).
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and technological disruption from fintech companies.
Positioning
PNC is a major regional bank with a strong presence in the Midwest, Mid-Atlantic, and Southeast. They focus on providing a full range of financial services to a diverse customer base.
Total Addressable Market (TAM)
The total addressable market for financial services is massive, encompassing trillions of dollars globally. PNC captures a portion of this TAM through its retail, corporate, and asset management operations. PNC's positioning within this TAM is strong within its regional footprint, but it faces competition from larger national banks.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Solid capital base
- Established brand recognition
- Strong deposit base
Weaknesses
- Geographic concentration (reliance on specific regions)
- Exposure to credit risk (lending activities)
- Vulnerable to interest rate fluctuations
- Cybersecurity threats
- Operational risks
Opportunities
- Expanding into new markets
- Increasing digital banking adoption
- Acquiring smaller banks or fintech companies
- Growing wealth management business
- Capitalizing on rising interest rates
Threats
- Increased competition from larger banks and fintechs
- Economic downturn
- Regulatory changes
- Cybersecurity breaches
- Geopolitical instability
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
Competitive Landscape
PNC is a strong regional player, but it faces intense competition from larger national banks with greater resources and broader geographic reach.
Major Acquisitions
BBVA USA
- Year: 2021
- Acquisition Price (USD millions): 11600
- Strategic Rationale: Expanded PNC's presence in the Sun Belt region and increased its national scale.
Growth Trajectory and Initiatives
Historical Growth: PNC's historical growth has been driven by acquisitions and organic growth in its core business segments.
Future Projections: Future growth projections are best obtained from analyst reports.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
PNC is a well-established regional bank with a diversified business model and a strong presence in key markets. The acquisition of BBVA USA was a significant step towards increasing national scale. However, it faces intense competition from larger banks and must continue to invest in technology and innovation to remain competitive in a rapidly evolving industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary depending on the source and methodology. Financial data is illustrative and may not be current.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PNC Financial Services Group Inc
Exchange NYSE | Headquaters Pittsburgh, PA, United States | ||
IPO Launch date 1988-09-07 | Chairman & CEO Mr. William S. Demchak | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 53175 | Website https://www.pnc.com |
Full time employees 53175 | Website https://www.pnc.com | ||
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time 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, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The 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. It also provides outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
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