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Upturn AI SWOT - About
PNC 
PNC Financial Services Group Inc (PNC)
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Upturn Advisory Summary
10/17/2025: PNC (3-star) is currently NOT-A-BUY. Pass it for now.
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 $221.98
1 Year Target Price $221.98
| 11 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 44.08% | Avg. Invested days 78 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 70.39B USD | Price to earnings Ratio 11.59 | 1Y Target Price 221.98 |
Price to earnings Ratio 11.59 | 1Y Target Price 221.98 | ||
Volume (30-day avg) 23 | Beta 1.11 | 52 Weeks Range 141.07 - 208.51 | Updated Date 10/19/2025 |
52 Weeks Range 141.07 - 208.51 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 3.64% | Basic EPS (TTM) 15.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 4.04 | Actual 4.35 |
Profitability
Profit Margin 29.94% | Operating Margin (TTM) 39.79% |
Management Effectiveness
Return on Assets (TTM) 1.16% | Return on Equity (TTM) 11.49% |
Valuation
Trailing PE 11.59 | Forward PE 11.44 | Enterprise Value 99350798336 | Price to Sales(TTM) 3.23 |
Enterprise Value 99350798336 | Price to Sales(TTM) 3.23 | ||
Enterprise Value to Revenue 6.26 | Enterprise Value to EBITDA - | Shares Outstanding 392381546 | Shares Floating 388856160 |
Shares Outstanding 392381546 | Shares Floating 388856160 | ||
Percent Insiders 0.38 | Percent Institutions 85.97 |
Upturn AI SWOT
PNC Financial Services Group Inc
Company Overview
History and Background
PNC Financial Services Group was founded in 1852 as Pittsburgh Trust and Savings Company. Through numerous acquisitions and mergers, most notably with Provident National Corporation in 1983, it evolved into a major financial institution. Recent acquisitions include BBVA USA in 2021, solidifying its national presence.
Core Business Areas
- Retail Banking: Provides deposit, lending, and investment services to individuals and small businesses.
- Corporate & Institutional Banking: Offers a range of financial solutions to mid-sized and large corporations, including lending, treasury management, and capital markets services.
- Asset Management Group: Delivers investment management and wealth management services to high-net-worth individuals and institutions.
- BlackRock: PNC maintains a significant ownership stake in BlackRock, which contributes substantially to its earnings.
Leadership and Structure
William S. Demchak serves as Chairman, President, and Chief Executive Officer. The company operates with a hierarchical structure, with various executive vice presidents leading different business lines, reporting to the CEO. It has a board of directors overseeing its operations.
Top Products and Market Share
Key Offerings
- Checking Accounts: A variety of checking account options for consumers and businesses. Market share data varies regionally, difficult to provide exact figure without granular regional data. Competitors include Bank of America, JPMorgan Chase, Wells Fargo.
- Commercial Lending: Loans to businesses of various sizes. PNC is a major player in this market. Competitors include JPMorgan Chase, Wells Fargo, US Bank.
- Wealth Management: Investment advice and financial planning services for high-net-worth individuals. Competitors include Morgan Stanley, Goldman Sachs, Charles Schwab.
- Treasury Management Services: Solutions for managing cash flow, payments, and receivables for businesses. Competitors include Bank of America, JPMorgan Chase, Citi.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Digital banking is rapidly transforming the industry, requiring banks to innovate and adapt.
Positioning
PNC is a major regional bank with a growing national presence following the BBVA USA acquisition. It differentiates itself through its strong focus on technology and customer service.
Total Addressable Market (TAM)
The TAM for the US banking sector is estimated to be in the trillions of dollars. PNC is positioned as a key regional player with growing national presence, focusing on organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence, particularly in the Midwest and Mid-Atlantic
- Diversified revenue streams
- Strong capital position
- Technological Innovation, including digital banking platform
- Experienced Management Team
Weaknesses
- Geographic concentration compared to national players
- Reliance on net interest income
- Potential integration challenges with large acquisitions
- Exposure to regional economic downturns
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Growth in wealth management services
- Strategic acquisitions to enhance market share
- Capitalizing on fintech partnerships
Threats
- Increased competition from fintech companies
- Rising interest rates impacting loan demand
- Regulatory changes
- Economic recession
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
- USB
Competitive Landscape
PNC faces intense competition from larger national banks and smaller regional players. It competes on customer service, technology, and product offerings. PNC's BBVA USA acquisition significantly enhanced its competitive position.
Major Acquisitions
BBVA USA
- Year: 2021
- Acquisition Price (USD millions): 11600
- Strategic Rationale: Expanded PNC's geographic footprint into the Southwest and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: PNC has grown through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by increased lending activity and wealth management expansion.
Recent Initiatives: Recent initiatives include investment in digital banking platforms, expansion into new geographic markets, and focus on sustainable finance.
Summary
PNC is a strong regional bank with growing national ambitions due to strategic initiatives. Its solid capital position and tech-forward approach are positive. Increased competition from fintech companies and economic risks represent headwinds to watch out for. The company is positioned to grow as long as it integrates its acqisitions properly.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Analyst reports, Market research reports, Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change. Specific market share data is difficult to obtain and may be estimated.
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 53686 | Website https://www.pnc.com |
Full time employees 53686 | 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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