Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
PNC 
PNC Financial Services Group Inc (PNC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/15/2025: PNC (4-star) is a STRONG-BUY. BUY since 85 days. Simulated Profits (14.83%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
23 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $215.59
1 Year Target Price $215.59
| 11 | Strong Buy |
| 3 | Buy |
| 7 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 53.41% | Avg. Invested days 74 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 79.73B USD | Price to earnings Ratio 13.81 | 1Y Target Price 215.59 |
Price to earnings Ratio 13.81 | 1Y Target Price 215.59 | ||
Volume (30-day avg) 23 | Beta 1.11 | 52 Weeks Range 142.39 - 210.46 | Updated Date 09/15/2025 |
52 Weeks Range 142.39 - 210.46 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 3.17% | Basic EPS (TTM) 14.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 13.81 | Forward PE 11.72 | Enterprise Value 136932245504 | Price to Sales(TTM) 3.75 |
Enterprise Value 136932245504 | Price to Sales(TTM) 3.75 | ||
Enterprise Value to Revenue 6.33 | Enterprise Value to EBITDA - | Shares Outstanding 393807008 | Shares Floating 390664799 |
Shares Outstanding 393807008 | Shares Floating 390664799 | ||
Percent Insiders 0.37 | Percent Institutions 85.66 |
Upturn AI SWOT
PNC Financial Services Group Inc
Company Overview
History and Background
PNC Financial Services Group Inc. was founded in 1852 as Pittsburgh Trust and Savings Company. Through mergers and acquisitions, including Provident National Corporation and National City Corporation, it has evolved into a major financial services provider.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, mortgages, credit cards, and other consumer banking services.
- Corporate & Institutional Banking: Provides lending, treasury management, capital markets, and advisory services to businesses and institutions.
- Asset Management Group: Offers investment management, wealth management, and retirement planning services to individuals and institutions.
- BlackRock: PNC has a strategic investment in BlackRock. The value is affected by BlackRock's overall performance.
Leadership and Structure
William S. Demchak is the Chairman, President, and Chief Executive Officer. The company has a hierarchical organizational structure with various executive vice presidents leading different business segments.
Top Products and Market Share
Key Offerings
- Consumer Lending (Mortgages, Auto Loans, Credit Cards): Provides loans to consumers. US Mortgages market share is about 2%. Competitors include Wells Fargo, JPMorgan Chase, and Bank of America. Difficult to separate specific revenue from this individual product category.
- Commercial Lending: Offers loans to businesses. Competitors include Truist, U.S. Bank, and KeyCorp. Market share is fragmented, making revenue or market share data estimation challenging without access to proprietary data.
- Treasury Management Services: Provides cash management and payment processing solutions for businesses. Competitors are Citi, Bank of America and JPMChase. This is a key segment for PNC.
- Wealth Management: Offers advisory services to individuals and institutions. Competitors include Fidelity, Morgan Stanley and Goldman Sachs. Market share information is difficult to isolate for PNC, and requires significant industry-specific market research data.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, technological advancements, and evolving regulatory landscapes. Interest rates and economic growth play significant roles.
Positioning
PNC is a super-regional bank with a strong presence in the Midwest, Mid-Atlantic, and Southeast regions. It competes with both national and regional banks. Key competitive advantages include strong branch network and comprehensive service offerings.
Total Addressable Market (TAM)
The U.S. banking industry has a very large TAM, estimated in the trillions of dollars. PNC is positioned with a moderate share in specific regions of the country, making its percentage of the TAM dependent on its geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Diversified revenue streams
- Solid capital base
- Established brand reputation
- Experienced management team
Weaknesses
- Geographic concentration compared to national banks
- Reliance on interest rate environment
- BlackRock Stock price directly impacts earnings
- Cost structure may not be the most optimized
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased focus on wealth management
- Organic growth in key regions
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- USB
- KEY
- ALLY
Competitive Landscape
PNC faces competition from large national banks, regional banks, and fintech companies. It differentiates itself through its regional focus and customer service.
Major Acquisitions
BBVA USA
- Year: 2021
- Acquisition Price (USD millions): 11600
- Strategic Rationale: Expanded PNC's footprint into new markets, particularly in the Sun Belt region and strengthened its national presence.
Growth Trajectory and Initiatives
Historical Growth: Requires current data. Evaluate past revenue and earnings growth rates. Refer to PNC's Investor Relations website for accurate financials.
Future Projections: Requires current data. Provide analyst estimates for future revenue and earnings growth. Analyst ratings are found on many major websites such as Yahoo Finance, TipRanks, CNN Business.
Recent Initiatives: Examine recent acquisitions, partnerships, or product launches.
Summary
PNC is a strong regional bank with a diversified business model. Recent acquisitions have expanded its geographic reach. However, it faces competition and regulatory challenges. Success depends on successful integration and continued growth in key markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Reports
- PNC Investor Relations
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.