— Know what they know.
/
Not Investment Advice

PNC

NYSE · USD
The PNC Financial Services Group, Inc.
Financial Services · Banks - Regional
CEO William S. Demchak Employees 53,859 R&D / revenue 0.0%
Last price
$217.39+1.14%last session
Market cap
$86.7B
P/E (TTM)
11.6x
From 52w high
−16.1%
From 52w low
+22.9%
1-year return
+21.9%
RSI 14 · vs SMA200
35.3 · −4.7%
IS score
51.4/ 100
Factor model across 8 sub-scores, ranked against 3,010 US stocks. Describes the business, not the outlook.
Download full factsheet (PDF)

One year, rebased to 100

PNC   SPY   XLF (sector ETF) · weekly closes
90100110120130140Jan 26Apr 26Jul 26Oct 26PNC 122SPY 116XLF 107

Score DNA

Each bar is a 0-100 score within the scored universe
67
Profitability
58
Growth
72
Value
77
Momentum
65
Risk (safety)
63
Quality
21
Balance sheet
92
Earnings quality

Flags

Strengths
✓ Congress buying
Warnings
▲ Share count rising
Observations
Moat model: Weak, Network EffectsPiotroski 4 / 9Beta 0.893 of 4 smart-money sources active

Smart-money strip

Each disclosure source on its own window. Filings coinciding is not coordination.
INSForm 4 · 180 days
Insider open-market buys
0
8 open-market sales, $12.2M
Form 144 notices (12m): 14, $28.5M proposed, not confirmed sales
CONGSTOCK Act · 180 days
Congressional purchases
1
Last disclosed purchase 2026-06-02
Members disclose in ranges, 30-45 days after the trade
13F13F · quarter to 2026-06-30
Net change in institutional holders
+113
234 new holders, 97 closed
2,046 filers hold 83.8% · 816 added, 671 trimmed
ETFETF holdings · 30 days
Net funds accumulating
+179
1,227 funds adding shares
1,048 funds trimming · counts of funds, not dollars
DARKFINRA · daily
Short-sale share of off-exchange volume
56.3%
20-day avg 39.6%, 50-day avg 40.4%
Latest 16.6 pp over its 20-day average · a flow, not short interest

Key financials · FY2025

USD, fiscal year. Stock-based compensation is non-cash; shown against FCF.
Income statement
Revenue$31.3B
Revenue growth YoY−7.0%
Gross margin71.7%
Operating income$8.5B
Operating margin27.1%
Net income$6.9B
Net margin22.1%
EPS (diluted)$16.59
Cash flow
Operating cash flow$9.5B
Capital expenditure$0
Free cash flow$9.5B
FCF conversion (FCF / OCF)100.0%
Stock-based compensation$0
FCF less SBC$9.5B
Buybacks$1.3B
Dividends$2.9B
Balance sheet & returns
Cash & short-term investments$39.7B
Total debt$57.1B
Net debt$17.4B
Shareholders' equity$60.6B
Goodwill & intangibles$14.6B
Debt / equity1.28
ROE (TTM)12.6%
ROIC (TTM)4.9%
Operating margin by fiscal year
35.6%FY202131.7%FY202221.1%FY202321.5%FY202425.0%FY2025
Revenue $19.7B (FY2021) to $31.3B (FY2025), a 12.3% CAGR.

Valuation

P/E (TTM)11.6x
EV / EBITDA10.6x
Price / sales2.43x
Price / FCF11.6x
FCF yield8.63%
Buyback yield1.54%
SBC / revenue0.0%
Price / book1.40x
Forward P/E FY202611.4x
Forward P/E FY202710.1x
Forward P/E FY20289.1x
Forward multiples divide today's price by Street EPS estimates. Street mean target $263.30 across 10 analysts last quarter is theirs, not ours.

PNC vs industry median

909 companies in Banks - Regional
Gross margin 68.6% 71.3% Operating margin 27.2% 25.6% Net margin 22.1% 21.2% ROIC 4.9% 5.9%
PNC (TTM)Industry median Asset turnover 0.06 vs industry 0.05 · financial leverage 10.07

Earnings delivery

Next report 2027-01-15 · consensus EPS $5.13
100%
beat rate, 12 of 12 quarters
+8.6%
median EPS surprise
12
longest beat streak
+6+12+11+14+16+4+8+7+15+5+9+4
EPS surprise in % vs the consensus at the time, oldest (left) to newest, 2024-01-16 to 2026-10-15. Bars cap at ±60%.

Peers

Market-cap band, not the industry cohort above
CompanyMkt capP/EROENet marginRev growth12m return
PNC The PNC Financial Services G $86.7B11.6x12.6%22.1%−7.0% +21.9%
USB U.S. Bancorp $91.5B11.4x12.7%19.9%+3.3% +28.6%
NU Nu Holdings Ltd. $70.3B19.7x31.6%19.2%+54.9% −1.2%
TFC Truist Financial Corporation $57.5B12.0x9.1%20.4%+0.3% +16.0%
FITB Fifth Third Bancorp $45.7B17.0x8.4%18.1%+15.9% +29.0%
MTB M&T Bank Corporation $31.1B11.2x10.7%24.3%−5.8% —
HBAN Huntington Bancshares Incorp $30.9B11.2x9.0%17.4%+18.5% —
CFG Citizens Financial Group, In $26.7B12.7x8.3%18.4%−4.5% —
12-month window: SPY +15.9%, sector ETF XLF +7.2%. Past returns describe history only.

Recent 8-K filings

2026-10-15Earnings Release; Exhibits
2026-10-15Regulation FD; Exhibits
2026-09-29Other Events; Exhibits
2026-07-21Other Events; Exhibits
2026-07-15Earnings Release; Exhibits
2026-07-15Regulation FD; Exhibits

Context

Shares outstanding398,944,000
Free float98.9%
Institutional ownership83.8%
Beta0.89
Dividend yield3.40%
Last dividend$2.00 on 2026-10-14
50 / 200-day average$236.21 / $228.41
Large-cap Financial Services median P/E14.0x

Full factsheet

The PDF carries everything on this page plus the cash-allocation waterfall, Form 144 notices, 13F holder detail, dark-pool and short-flow history, seasonality and the moat assessment (Weak).

Read it in the browser Download (PDF)

All fundamentals · 140 measures in 13 categories

Percentile = where PNC sits among 257 scored companies in Banks - Regional (0 = lowest value, 100 = highest). It is a position, not a grade. Balance-sheet ratios built for operating companies are n/a for lenders and insurers.
ValuationProfitability (TTM)Returns on capitalGrowthMargin history & stabilityLiquidity (latest quarter)Leverage & solvency (latest quarter)EfficiencyCash flow & earnings qualityDividends & buybacksScores & forensic checksPer shareSize (TTM)

Valuation

MeasurePNCIndustry medianIndustry percentileSector median
P/E (TTM) 11.4x 11.7x
43rd		 11.9x
PEG (P/E ÷ 3-yr EPS CAGR) 1.82 1.75
54th		 1.04
Price / sales 2.5x 2.5x
47th		 2.5x
Price / book 1.4x 1.2x
70th		 1.3x
Price / tangible book 2.1x 1.5x
88th		 1.6x
Price / free cash flow n/a
Price / operating cash flow n/a
Enterprise value n/a
EV / sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / free cash flow n/a
Earnings yield 8.8% 8.5%
58th		 7.9%
FCF yield n/a
Operating cash flow yield n/a
Graham number (per share) $259.47 $50.13
98th		 $50.71

Profitability (TTM)

MeasurePNCIndustry medianIndustry percentileSector median
Gross margin n/a
EBITDA margin n/a
Operating margin 26.7% 24.7%
57th		 23.3%
EBIT margin 26.7% 25.3%
55th		 23.3%
Net margin 21.7% 21.8%
49th		 18.7%
NOPAT margin 21.8% 19.7%
60th		 18.7%
FCF margin n/a
Operating cash flow margin n/a
R&D / revenue 0.0% 0.0%
0th		 0.0%
SG&A / revenue 28.7% 27.4%
57th		 20.1%
Stock comp / revenue 0.0% 0.8%
0th		 0.7%
Effective tax rate 18.2% 21.1%
18th		 21.0%

Returns on capital

MeasurePNCIndustry medianIndustry percentileSector median
ROE (on average equity) 12.5% 11.0%
70th		 11.9%
ROA 1.3% 1.2%
60th		 1.4%
ROIC n/a
ROCE n/a
Return on tangible assets 1.6% 1.5%
60th		 2.0%
Cash ROIC (OCF / invested capital) n/a
Gross profitability (GP / assets) n/a
ROIC, 3-yr average n/a
ROIC, 5-yr average n/a
ROE, 5-yr average 11.5% 10.4%
63rd		 10.7%
Incremental ROIC n/a

Growth

MeasurePNCIndustry medianIndustry percentileSector median
Revenue growth (TTM YoY) 3.9% 3.8%
50th		 7.1%
Revenue growth (QoQ) 4.4% 2.0%
68th		 2.8%
Revenue CAGR, 3 yr 6.9% 10.9%
29th		 10.8%
Revenue CAGR, 5 yr 14.5% 14.1%
53rd		 11.3%
Gross profit CAGR, 3 yr n/a
Operating income CAGR, 3 yr 6.7% 4.2%
58th		 8.8%
Net income growth (TTM YoY) 22.9% 22.8%
50th		 24.7%
Net income CAGR, 3 yr 6.5% 6.9%
49th		 9.4%
EPS growth (TTM YoY) 20.8% 22.0%
49th		 25.1%
EPS CAGR, 3 yr 6.3% 4.2%
60th		 7.3%
EPS CAGR, 5 yr -5.0% 4.3%
9th		 4.2%
FCF growth (TTM YoY) n/a
FCF CAGR, 3 yr n/a
Operating cash flow CAGR, 3 yr n/a
Book value CAGR, 3 yr 8.8% 8.9%
45th		 8.9%
Dividend CAGR, 3 yr 1.5% 1.1%
52nd		 1.9%
Sustainable growth rate 7.5% 7.8%
46th		 8.3%

Margin history & stability

MeasurePNCIndustry medianIndustry percentileSector median
Gross margin, 3-yr average n/a
Operating margin, 3-yr average 22.9% 22.5%
54th		 21.4%
Net margin, 3-yr average 18.6% 18.0%
54th		 16.5%
FCF margin, 3-yr average n/a
Revenue stability (0-1) 0.91 0.90
53rd		 0.86
Earnings stability (0-1) 0.14 0.35
32nd		 0.37
Margin stability (0-1) 0.78 0.82
30th		 0.81

Liquidity (latest quarter)

MeasurePNCIndustry medianIndustry percentileSector median
Cash & short-term investments n/a
Net cash (− = net debt) n/a
Working capital n/a
Current ratio n/a
Quick ratio n/a
Cash ratio (cash + ST investments / current liabilities) n/a
Defensive interval (days) n/a

Leverage & solvency (latest quarter)

MeasurePNCIndustry medianIndustry percentileSector median
Total debt n/a
Debt / equity n/a
Net debt / equity n/a
Debt / assets n/a
Debt / capital n/a
Debt / EBITDA n/a
Net debt / EBITDA n/a
Interest coverage (EBIT / interest) n/a
Cash interest coverage n/a
Debt payback (years of OCF) n/a
Liabilities / assets 89.6% 88.6%
73rd		 86.2%
IS credit model rating BBB — —
Implied credit spread (bps) 275 150
75th		 175

Efficiency

MeasurePNCIndustry medianIndustry percentileSector median
Asset turnover n/a
Fixed asset turnover n/a
Inventory turnover n/a
Receivables turnover n/a
Days sales outstanding n/a
Days inventory outstanding n/a
Days payables outstanding n/a
Cash conversion cycle (days) n/a
Capex / revenue n/a
Capex / depreciation n/a
Operating expense ratio n/a

Cash flow & earnings quality

MeasurePNCIndustry medianIndustry percentileSector median
Operating cash flow / net income n/a
FCF / net income n/a
FCF / operating cash flow n/a
Capex / operating cash flow n/a
Accruals ratio n/a
Sloan accruals ratio n/a
Earnings quality score (0-1) n/a

Dividends & buybacks

MeasurePNCIndustry medianIndustry percentileSector median
Dividend yield 3.4% 2.6%
74th		 2.3%
Dividend per share (TTM) $7.40 $0.97
98th		 $1.03
Payout ratio (dividends / net income) 40.0% 29.2%
73rd		 30.0%
Dividends / FCF n/a
Dividend growth (YoY) 3.4% 5.5%
38th		 6.4%
Buyback yield 2.5% 1.1%
67th		 1.7%
Shareholder yield (dividends + buybacks) 6.0% 4.1%
68th		 5.2%
Share count change (YoY) 1.8% 0.2%
65th		 -0.3%
Buybacks, last 5 years $8.5B $48.0M
99th		 $85.3M

Scores & forensic checks

MeasurePNCIndustry medianIndustry percentileSector median
IS score 51 54
41st		 53
IS profitability 67 62
64th		 59
IS growth 58 56
58th		 57
IS value 72 82
25th		 77
IS momentum 77 78
49th		 76
IS risk (safety) 65 65
37th		 65
IS quality 63 75
25th		 71
IS balance sheet 21 49
5th		 51
IS earnings quality 92 90
64th		 74
IS cash flow 66 73
32nd		 71
Piotroski F-score (0-9) 4 6
2nd		 6
Altman Z-score —
Beneish M-score —
Ohlson O-score −5.20 −5.12
46th		 −6.00
IS credit score 59 71
24th		 68

Per share

MeasurePNCIndustry medianIndustry percentileSector median
EPS, diluted (TTM) $18.88 $3.36
98th		 $3.36
Book value per share $158.46 $32.34
98th		 $28.13
Tangible book per share $112.33 $27.09
98th		 $21.49
Revenue per share $87.07 $15.66
98th		 $17.62
FCF per share n/a
Operating cash flow per share n/a
Cash per share n/a

Size (TTM)

MeasurePNCIndustry medianIndustry percentileSector median
Market cap $86.7B $1.5B
100th		 $2.5B
Revenue $35.2B $558.9M
100th		 $1.0B
EBITDA $9.7B $153.7M
100th		 $269.3M
Net income $7.6B $113.4M
100th		 $168.0M
Free cash flow n/a
Total assets $616.0B $9.5B
100th		 $8.5B
Shareholders' equity $64.0B $1.2B
99th		 $1.5B
Employees 53,859 930
100th		 1,392

Insider transactions, last 6 months

Form 4 · most recent 12
DateInsiderTypeSharesPriceValueOwned after
2026-10-01Dachille Douglas A.
Director
 Award / grant 30——306
2026-10-01Cafaro Debra A
Director
 Award / grant 119——9,835
2026-10-01Salesky Bryan Scott
Director
 Award / grant 119——2,510
2026-10-01Niblock Robert A
Director
 Award / grant 59——2,086
2026-10-01Khator Renu
Director
 Award / grant 119——3,774
2026-10-01Hesse Daniel
Director
 Award / grant 65——5,166
2026-10-01Harshman Richard J
Director
 Award / grant 30——2,336
2026-10-01Feldstein Andrew T
Director
 Award / grant 176——21,560
2026-08-13Juchno Stacy M.
Executive Vice President
 Open-market sale 3,354$255.84$858,07618,800
2026-07-22Deborah Guild
Executive Vice President
 Open-market sale 1,200$252.19$302,63436,527
2026-07-22Deborah Guild
Executive Vice President
 Gift 72——36,455
2026-07-01Khator Renu
Director
 Award / grant 204——3,627

Shares acquired vs disposed, by month

acquired disposed · all Form 4 types
MarAprMayJunJulAugOct

By transaction type, 6 months

TypeDirectionFilingsSharesValue
Award / grantAcquired2812,328—
GiftDisposed172—
Open-market saleDisposed854,354$12.2M
Awards, option exercises and tax withholding are compensation mechanics; open-market buys and sales are the discretionary ones.

Form 144 notices

12 months: 14 notices · 126,442 shares · $28.5M
FiledFilerShares proposedEst. proceeds
2026-08-13Juchno Stacy M.3,354$858,076
2026-07-22Deborah Guild1,200$302,553
2026-06-12Thomas Michael Duane1,500$357,205
2026-06-08Alexander E. C. Overstrom1,500$342,555
A Form 144 is notice of a proposed sale, not a confirmed one.

Congress trades

12 months: House 4 trades (2 purchases) · Senate 3 (2 purchases)
TradedMemberChamberTypeAmountDisclosed
2026-06-02Ro KhannaHousePurchase$15,001 - $50,0002026-07-08
2026-04-13Ro KhannaHousePurchase$1,001 - $15,0002026-05-13
2026-03-27Alan ArmstrongSenateSale$50,001 - $100,0002026-07-21
2026-03-12Shelley Moore CapitoSenatePurchase$1,001 - $15,0002026-04-05
2026-03-12Shelley Moore CapitoSenatePurchase$1,001 - $15,0002026-04-05
2025-10-21Julie JohnsonHouseSale$1,001 - $15,0002025-11-17
2025-10-20Julie JohnsonHouseSale (Full)$1,001 - $15,0002025-11-17
2023-09-21Pete RickettsSenateSale$50,001 - $100,0002023-10-20
STOCK Act disclosures, in ranges, filed up to 45 days after the trade.

Largest 13F holders

Quarter to 2026-06-30, the latest most managers have filed
ManagerSharesValue% of shares out
BlackRock, Inc.32,172,263$7.9B8.06%
VANGUARD CAPITAL MANAGEMENT LLC26,208,803$6.5B6.57%
STATE STREET CORP18,434,446$4.5B4.62%
FMR LLC14,254,710$3.5B3.57%
VANGUARD PORTFOLIO MANAGEMENT LLC10,597,926$2.6B2.66%
NORGES BANK10,145,985$2.5B2.54%
GEODE CAPITAL MANAGEMENT, LLC9,519,144$2.3B2.39%
BANK OF AMERICA CORP /DE/8,539,645$2.1B2.14%
FRANKLIN RESOURCES INC8,424,086$2.1B2.11%
Capital Research Global Investors7,694,464$1.9B1.93%
WELLS FARGO & COMPANY/MN6,059,766$1.5B1.52%
MASSACHUSETTS FINANCIAL SERVICES CO /MA/6,019,533$1.5B1.51%
GOLDMAN SACHS GROUP INC5,343,276$1.3B1.34%
AMERIPRISE FINANCIAL INC4,572,235$1.1B1.15%
DEUTSCHE BANK AG\4,263,679$1.0B1.07%

Institutional ownership by quarter

2023-092026-0683.8%
% of shares held by 13F filers
2023-092026-062,046
Number of 13F filers holding

Holder changes by quarter

QuarterHoldersOwnershipNewIncreasedReducedClosed
2026-06-302,04683.8%23481667197
2026-03-311,93381.1%179844607104
2025-12-311,89283.0%251676658115
2025-09-301,79981.3%166703613106
2025-06-301,76582.0%171680654131
2025-03-311,74982.5%152709619116
2024-12-311,73782.2%25859960960
2024-09-301,57682.4%14355862694
2024-06-301,54581.9%12560654988
2024-03-311,53481.9%14658456393
2023-12-311,50582.4%22247560375
2023-09-301,38181.0%110507538100

Schedule 13D / 13G filers

FiledFormFiler% of classShares
2026-04-30SCHEDULE 13GVanguard Capital Management7.5%30,290,398
2026-03-27SCHEDULE 13G/AThe Vanguard Group0.0%0
Required above 5% of a class; 13G is the passive form.

ETFs with the largest holding

ETFWeight in fundHolding value
VITSX0.12%$2.8B
VSMPX0.12%$2.8B
VTI0.12%$2.8B
VTSAX0.12%$2.8B
VFIAX0.13%$2.3B
VFFSX0.13%$2.3B

Share structure

Shares outstanding398,944,000
Float394,382,411
Free float98.9%

Income statement

Fiscal years, USD
FY2021FY2022FY2023FY2024FY2025
Revenue$19.7B$23.5B$31.9B$33.7B$31.3B
Cost of revenue−$292.0M$2.9B$11.2B$13.7B$8.9B
Gross profit$20.0B$20.6B$20.7B$20.0B$22.5B
R&D$0$0$0$0$0
SG&A$7.5B$7.6B$7.8B$7.7B$9.5B
Operating income$7.0B$7.5B$6.7B$7.2B$8.5B
EBITDA$8.8B$8.1B$7.0B$7.5B$8.6B
Pretax income$7.0B$7.5B$6.7B$7.2B$8.5B
Income tax$1.3B$1.4B$1.1B$1.3B$1.5B
Net income$5.7B$6.0B$5.6B$5.9B$6.9B
EPS, diluted$12.70$13.85$12.79$13.74$16.59
Diluted shares426.0M412.0M401.0M400.0M394.0M

Balance sheet

FY2021FY2022FY2023FY2024FY2025
Cash & short-term investments$213.8B$78.5B$92.5B$55.6B$39.7B
Receivables$6.0B$6.4B$6.5B$6.7B$327.1B
Inventory$0$0$0$0$0
Total current assets$219.8B$84.9B$99.0B$62.3B$368.7B
PP&E, net$1.9B$0$0$0$0
Goodwill & intangibles$12.7B$14.4B$14.6B$14.6B$14.6B
Total assets$557.2B$557.3B$561.6B$560.0B$573.6B
Accounts payable$0$0$0$0$440.9B
Total current liabilities$470.0B$452.0B$421.4B$426.7B$456.3B
Long-term debt$30.8B$58.7B$72.7B$61.7B$41.7B
Total liabilities$501.5B$511.5B$510.4B$505.6B$512.9B
Shareholders' equity$55.7B$45.8B$51.1B$54.5B$60.6B

Cash flow statement

Outflows are negative
FY2021FY2022FY2023FY2024FY2025
Net income$5.7B$6.1B$5.6B$6.0B$6.9B
Depreciation & amortization$1.8B$651.0M$217.0M$259.0M$0
Stock-based compensation$0$0$0$0$0
Change in working capital$490.0M$1.2B$2.3B−$587.0M$834.0M
Operating cash flow$7.2B$9.1B$10.1B$7.9B$9.5B
Capital expenditure$0$0$0$0$0
Free cash flow$7.2B$9.1B$10.1B$7.9B$9.5B
Investing cash flow−$2.8B−$60.4B$10.1B−$3.2B−$20.7B
Net debt issued / repaid−$7.9B$30.0B$13.6B−$10.3B−$5.2B
Buybacks−$1.1B−$5.2B−$1.7B−$1.2B−$1.3B
Dividends paid−$2.3B−$2.7B−$2.9B−$2.9B−$2.9B

Ratio history

Margins on the fiscal-year (TTM at Q4) basis; multiples at each year end
FY2021FY2022FY2023FY2024FY2025
Gross margin101.7%87.7%65.1%59.4%65.7%
Operating margin35.6%31.7%21.1%21.5%25.0%
Net margin28.9%25.7%17.5%17.5%20.4%
FCF margin36.7%38.6%31.7%23.4%12.9%
ROE10.3%11.9%11.5%11.2%12.1%
ROIC-4.6%23.5%18.0%9.8%9.0%
ROA1.1%1.1%1.0%1.1%1.2%
Debt / equity0.591.281.421.130.94
Interest coverage14.3x3.1x0.6x0.6x0.8x
Current ratio0.470.190.230.150.81
Revenue growth+8.2%+19.8%+35.4%+5.7%+0.9%
EPS growth−52.8%+11.7%−7.0%+6.1%+19.3%
P/E at year end12.8x9.4x10.3x12.6x11.9x
EV / EBITDA at year endn/m4.5x5.4x10.7x11.5x
FCF yield at year end9.90%16.07%17.54%10.62%5.33%
Dividend payout40.3%44.6%51.6%49.1%42.4%

Revenue by segment

FY2021FY2022FY2023
Retail Banking 1$9.0B$10.5B$12.9B
Corporate & Institutional Banking$8.3B$8.8B$9.3B
Asset Management Group$1.5B$1.5B$1.5B

Street estimates by fiscal year

Next report 2027-01-15 · consensus EPS $5.13 · these are analysts' numbers, not ours
Fiscal yearRevenue (mean)Revenue rangeEPS (mean)EPS rangeAnalystsP/E on mean EPS
2026$26.4B$26.1B – $26.6B$18.99$18.58 – $19.391411.4x
2027$27.8B$27.5B – $28.1B$21.50$20.17 – $22.491710.1x
2028$29.1B$28.5B – $29.5B$23.83$21.38 – $25.27129.1x

Reported vs expected, every quarter on file

ReportedEPS expectedEPS actualEPS surpriseRevenue expectedRevenue actualRevenue surprise
2026-10-15$4.91$5.09+3.7%$6.6B$6.6B−0.7%
2026-07-15$4.46$4.85+8.7%$6.5B$6.9B+5.5%
2026-04-15$3.93$4.13+5.1%$6.2B$6.2B−1.2%
2026-01-16$4.23$4.88+15.4%$6.0B$6.1B+1.9%
2025-10-15$4.05$4.35+7.4%$5.8B$5.9B+1.5%
2025-07-16$3.55$3.85+8.5%$5.6B$5.7B+1.0%
2025-04-15$3.38$3.51+3.8%$5.5B$5.4B−0.7%
2025-01-16$3.26$3.77+15.6%$5.5B$5.6B+1.0%
2024-10-15$3.30$3.75+13.6%$5.4B$5.4B+0.8%
2024-07-16$2.98$3.30+10.7%$5.4B$4.7B−13.6%
2024-04-16$3.01$3.36+11.6%$5.2B$5.1B−0.8%
2024-01-16$2.99$3.16+5.7%$5.3B$5.4B+1.5%
2023-10-13$3.11$3.60+15.8%$5.4B$5.2B−2.5%
2023-07-18$3.28$3.36+2.4%$5.5B$5.3B−2.9%
2023-04-14$3.67$3.98+8.4%$5.6B$5.6B−0.6%
2023-01-18$3.95$3.47−12.2%$5.7B$5.7B+0.7%
2022-10-14$3.69$3.78+2.4%$5.4B$5.5B+2.4%
2022-07-15$3.12$3.39+8.7%$5.1B$5.1B−0.3%
2022-04-14$2.73$3.23+18.3%$4.8B$4.8B+1.1%
2022-01-18$3.16$2.86−9.5%$5.0B$5.1B+2.4%
2021-10-15$3.20$3.30+3.1%$5.0B$5.2B+3.0%
2021-07-14$3.16$4.50+42.4%$4.3B$4.7B+9.0%
2021-04-16$2.75$4.10+49.1%$3.5B$4.2B+19.0%
2021-01-15$2.65$3.26+23.0%$3.2B$4.2B+29.2%

Off-exchange (dark pool) volume, weekly

FINRA ATS, $ billions · through the week of 2026-08-31 (FINRA publishes with a delay)
0.806-150.706-220.306-290.507-060.807-130.507-200.507-270.508-030.408-100.408-170.408-240.408-31
Week ofNotionalSharesTrades
2026-08-31$434.9M1,794,75252,700
2026-08-24$440.2M1,806,56754,340
2026-08-17$425.9M1,714,00256,213
2026-08-10$402.6M1,586,88950,806
2026-08-03$480.1M1,894,13152,243
2026-07-27$462.9M1,853,78754,417

Short-sale share of off-exchange volume

daily 20-day average
07-2310-1556.3%
DateShort shareShort volumeTotal volume
2026-10-1556.3%937,2441,666,039
2026-10-1438.1%423,2551,110,751
2026-10-1352.6%518,126985,565
2026-10-1234.9%223,611640,472
2026-10-0937.1%161,089434,775
2026-10-0847.2%300,796637,102
2026-10-0748.9%339,722695,326
2026-10-0629.1%262,645901,576
2026-10-0531.1%255,151821,457
2026-10-0251.8%309,177596,996
A daily flow measure from FINRA, not short interest.

Seasonality

Average return by calendar month
-0.6Jan-1.8Feb-0.6Mar+4.3Apr+0.9May-1.7Jun+2.5Jul-0.2Aug+1.4Sep+1.9Oct+4.4Nov+2.0Dec
MonthAvg returnUp yearsYears
Jan−0.6%55%20
Feb−1.8%30%20
Mar−0.6%52%21
Apr+4.3%65%20
May+0.9%50%20
Jun−1.7%50%20
Jul+2.5%65%20
Aug−0.2%55%20
Sep+1.4%60%20
Oct+1.9%70%20
Nov+4.4%85%20
Dec+2.0%70%20
History, not a forecast.

Indicators

as of 2026-10-16
RSI 1435.3
MFI33.5
ADX41.3
Stochastic %K / %D40.8 / 34.8
Williams %R-36.3
CCI-38
TSI / signal-40.9 / -40.8
Chaikin money flow-0.00
ATR$4.80
Bollinger width8.2%
Volume vs 20-day avg0.89x
SupertrendDown

Moving averages and bands

level (price vs level)
SMA 20$220.37 (−1.4%)
SMA 50$235.06 (−7.5%)
SMA 200$228.08 (−4.7%)
EMA 21$221.95 (−2.1%)
EMA 50$230.02 (−5.5%)
EMA 200$225.84 (−3.7%)
Bollinger upper$229.39 (−5.2%)
Bollinger lower$211.35 (+2.9%)
Parabolic SAR$221.11 (−1.7%)
Open the live chart, 110+ indicators

About The PNC Financial Services Group, Inc.

PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses. This includes a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. Lending products span residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education financing, and personal and small business loans and credit lines. Additionally, the segment provides brokerage, insurance, investment, and cash management services, all accessible via its branch network, ATMs, call centers, and digital banking channels. The Corporate & Institutional Banking segment caters to the needs of mid-sized and large corporations, government entities, and not-for-profit organizations. It offers secured and unsecured commercial loans, letters of credit, and equipment leases. Services extend to sophisticated cash and investment management, including receivables and disbursement handling, fund transfers, international payment processing, and access to online/mobile information reporting. Furthermore, this segment provides expert advice on foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions, alongside offering equity capital markets advisory, commercial loan servicing, and technology solutions. PNC's Asset Management Group specializes in wealth management for a diverse clientele. For high net worth and ultra high net worth individuals and their families, it delivers tailored investment and retirement planning, customized investment management, credit and cash management strategies, and trust administration. This also includes specialized multi-generational family planning services for its wealthiest clients. Institutional clients benefit from outsourced chief investment officer capabilities, custody services, private real estate investment opportunities, cash and fixed income solutions, and fiduciary retirement advisory services.

https://www.pnc.com

Key executives

NameTitlePayBorn
William S. DemchakChairman & Chief Executive Officer$10.7M1962
Mark Kenneth WiedmanPresident$4.8M1971
Robert Q. ReillyExecutive Vice President & Chief Financial Officer$4.0M1965
Deborah GuildExecutive VP & Head of Technology$3.4M1969
Alexander E. C. OverstromExecutive VP & Head of Retail Banking$2.8M1984
Laura L. LongExecutive Vice President, General Counsel & Chief Administrative Officer$1.9M1973
Bryan K. GillEVP, Director of Investor Relations——
Jenn GarbachChief Marketing Officer——

Executive pay, latest proxy

ExecutiveYearSalaryStock awardsIncentiveTotal
William S. Demchak Chairman and CEO2025$1.3M$17.5M$9.2M$29.5M
Mark Wiedman President2025$511,539$5.2M$3.2M$10.0M
Robert Q. Reilly Exec. VP and CFO2025$700,000$4.5M$3.3M$9.2M
E William Parsley, III Former Exec. VP and COO2025$700,000$5.4M$0$8.5M
Deborah Guild Exec. VP, Head of Technology2025$600,000$3.0M$2.8M$6.5M
Alexander E. C. Overstrom Exec. VP, Head of Retail Banking2025$700,000$3.0M$2.1M$5.9M

Employees

51k201850k201950k202058k202160k202255k202354k202454k2025

Dividends

Ex-dateAmountPaid
2026-10-14$22026-11-05
2026-07-20$22026-08-05
2026-04-14$1.72026-05-05
2026-01-20$1.72026-02-05
2025-10-14$1.72025-11-05
2025-07-15$1.72025-08-05
2025-04-16$1.62025-05-05
2025-01-15$1.62025-02-05

Moat model

Weak · Network Effects · 2026-06-30
Cost advantage47
Intangibles55
Switching costs46
Network effect65
Efficient scale65
Our component scores (0-100) and overall 54.2; a model of the business, not a call on the stock.
InsiderStreet reports findings from filings and market data. Nothing on this page is a recommendation to buy or sell.Every figure is computed in code · data as of 2026-10-17

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