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Upturn AI SWOT - About
PNC 
PNC Financial Services Group Inc (PNC)
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Upturn Advisory Summary
06/20/2025: PNC (3-star) is a REGULAR-BUY. BUY since 26 days. Profits (-0.26%). 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
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $198.2
1 Year Target Price $198.2
| 11 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.25% | Avg. Invested days 63 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/20/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 73.74B USD | Price to earnings Ratio 13.17 | 1Y Target Price 198.2 |
Price to earnings Ratio 13.17 | 1Y Target Price 198.2 | ||
Volume (30-day avg) 23 | Beta 1.07 | 52 Weeks Range 143.63 - 212.28 | Updated Date 07/1/2025 |
52 Weeks Range 143.63 - 212.28 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 3.45% | Basic EPS (TTM) 14.15 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.75% | Operating Margin (TTM) 35.28% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.33% |
Valuation
Trailing PE 13.17 | Forward PE 12.42 | Enterprise Value 131742605312 | Price to Sales(TTM) 3.51 |
Enterprise Value 131742605312 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 6.37 | Enterprise Value to EBITDA - | Shares Outstanding 395567008 | Shares Floating 392390606 |
Shares Outstanding 395567008 | Shares Floating 392390606 | ||
Percent Insiders 0.37 | Percent Institutions 85.3 |
Analyst Ratings
Rating 5 | Target Price 198.2 | Buy 3 | Strong Buy 11 |
Buy 3 | Strong Buy 11 | ||
Hold 7 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
PNC Financial Services Group Inc
Company Overview
History and Background
PNC Financial Services Group, Inc. traces its roots back to 1852 with the founding of Pittsburgh Trust and Savings Company. It later merged with Provident National Corporation in 1983 to form PNC. Through strategic acquisitions, PNC has grown to become a major player in the financial services industry.
Core Business Areas
- Retail Banking: Provides deposit, lending, and investment services to individuals and small businesses.
- Corporate & Institutional Banking: Offers lending, treasury management, capital markets, and advisory services to mid-sized and large corporations.
- Asset Management Group: Provides investment management, wealth management, and retirement services to individuals and institutions.
- BlackRock: PNC maintains an equity investment in BlackRock, Inc., a leading global asset manager.
Leadership and Structure
The CEO of PNC Financial Services Group is William S. Demchak. The organizational structure is a typical hierarchical structure with executive leadership overseeing various business segments.
Top Products and Market Share
Key Offerings
- Consumer Lending: Includes mortgages, auto loans, and credit cards. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. Market share data is variable based on product and geography. PNC has a substantial market share in its core markets.
- Description: PNC offers a broad range of consumer lending products to meet the diverse needs of its customers.
- Corporate Lending: Provides loans and other credit products to businesses of all sizes. Competitors include Bank of America, Citigroup, and JPMorgan Chase. Market share data is variable based on loan type and geography.
- Description: PNC's corporate lending solutions support businesses' growth and operational needs.
- Description: PNC's treasury management solutions help businesses optimize their cash flow and streamline their operations.
- Treasury Management Services: Helps businesses manage their cash flow, payments, and liquidity. Competitors include Bank of America, JPMorgan Chase, and Wells Fargo. PNC is a strong player in treasury management.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and heavily regulated. It is influenced by interest rates, economic growth, and technological innovation.
Positioning
PNC positions itself as a relationship-focused bank with a strong regional presence and expertise in both retail and corporate banking. Its competitive advantages include a strong capital base and a diversified business model.
Total Addressable Market (TAM)
The TAM for financial services is in the trillions of dollars globally. PNC is well-positioned to capture a portion of this TAM through its various business lines.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified business model
- Strong capital base
- Experienced management team
- Commitment to technology and innovation
Weaknesses
- Geographic concentration in the Midwest and Mid-Atlantic
- Reliance on interest income
- Exposure to credit risk
- Smaller national presence compared to larger competitors
Opportunities
- Expanding into new geographic markets
- Increasing digital adoption
- Growing wealth management business
- Acquiring smaller banks or fintech companies
- Interest rate hikes
Threats
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity threats
- Interest rate volatility
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- USB
Competitive Landscape
PNC faces intense competition from larger national banks and smaller regional players. Its advantages include a strong regional presence and a diversified business model. Disadvantages include a smaller national presence and reliance on interest income.
Major Acquisitions
BBVA USA
- Year: 2021
- Acquisition Price (USD millions): 11600
- Strategic Rationale: Expanded PNC's presence into the fast-growing Sun Belt region and enhanced its national footprint.
Growth Trajectory and Initiatives
Historical Growth: PNC has grown through organic growth and strategic acquisitions. Over the past decade, PNC's assets and revenue have steadily increased.
Future Projections: Analyst estimates project moderate revenue growth for PNC in the coming years, driven by continued expansion in its core markets and strategic investments in technology.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of its wealth management business, and cost-cutting measures to improve efficiency.
Summary
PNC is a strong regional bank with a diversified business model. Its focus on relationship banking and strategic acquisitions have fueled steady growth. However, the company faces challenges from larger national banks and the increasing competition from fintech companies and needs to look out for economic downturns and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- PNC Financial Services Group Inc. SEC filings (10-K, 10-Q), investor presentations, analyst reports, market research reports, public press releases.
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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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