-0.05%
4.96%
6.23%
11.04%
31.00%
-1.90%
33.86%
AI Spotlight on PNC
Company Description
The PNC Financial Services Group, Inc.operates as a diversified financial services company in the United States.The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of 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, ATMs, call centers, and online and mobile banking channels.Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions.It serves mid-sized and large corporations, and government and not-for-profit entities.
The company's 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 for ultra high net worth individuals and their families.It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services for institutional clients.The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.
Market Data
| Last Price | 202.07 |
| Change Percentage | -0.05% |
| Open | 204.22 |
| Previous Close | 202.18 |
| Market Cap ( Millions) | 80020 |
| Volume | 1697495 |
| Year High | 216.26 |
| Year Low | 139.69 |
| M A 50 | 200.86 |
| M A 200 | 178.46 |
Financial Ratios
| FCF Yield | 13.68% |
| Dividend Yield | 3.14% |
| ROE | 9.76% |
| Debt / Equity | 122.23% |
| Net Debt / EBIDTA | 411.68% |
| Price To Book | 1.45 |
| Price Earnings Ratio | 15.68 |
| Price To FCF | 7.31 |
| Price To sales | 3.88 |
| EV / EBITDA | 16.37 |
News
- Jan -29 - Steven Cress' Top 10 Dividend Stocks For 2025
- Jan -28 - PNC Executive to Speak at UBS Financial Services Conference
- Jan -25 - PNC Looks Good Now, And Loan Growth Reacceleration Would Make It Even Better
- Jan -23 - President Michael P. Lyons to Depart PNC
- Jan -22 - PNC vs. TW: Which Stock Is the Better Value Option?
- Jan -22 - PNC Financial: Likely Fairly Valued Now
- Jan -21 - PNC Financial Positioned For Strong Loan Expansion And Yield Curve Benefits, Analyst Predicts Net Interest Income Growth Through 2026
- Jan -17 - 4 Stocks to Buy for "Higher for Longer" Interest Rates
- Jan -17 - Why The PNC Financial Services Group, Inc (PNC) is a Great Dividend Stock Right Now
- Jan -16 - PNC to Complement Branch Expansion With New Online Banking Platform
- Jan -16 - The PNC Financial Services Group, Inc. (PNC) Q4 2024 Earnings Call Transcript
- Jan -16 - PNC Financial Q4 Earnings Beat Estimates, NII & Fee Income Rise Y/Y
- Jan -16 - Compared to Estimates, The PNC Financial Services Group (PNC) Q4 Earnings: A Look at Key Metrics
- Jan -16 - The PNC Financial Services Group, Inc (PNC) Q4 Earnings and Revenues Surpass Estimates
- Jan -16 - PNC Financial's profit rises on interest income growth, lower rainy-day funds
- Jan -16 - PNC Reports Full Year 2024 Net Income of $6.0 Billion, $13.74 Diluted EPS
- Jan -15 - PNC Financial Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
- Jan -13 - Wall Street's Insights Into Key Metrics Ahead of The PNC Financial Services Group (PNC) Q4 Earnings
- Jan -10 - NII Growth to Aid PNC Financial's Q4 Earnings, High Costs to Hurt
- Jan -09 - Options Corner: BAC, PNC, XLF
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail Banking
Expected Growth : 4.5 %
What the company do ?
PNC Retail Banking offers personal banking services, including checking, savings, credit cards, loans, and investment products to individuals and small businesses.
Why we expect these perspectives ?
PNC's Retail Banking segment growth of 4.5% is driven by strategic expansion into new markets, increased digital banking adoption, and a focus on customer acquisition and retention. Additionally, the segment benefits from a strong brand reputation, competitive product offerings, and a robust risk management framework, enabling sustainable growth and profitability.
Segment n°2 -> Corporate and Institutional Banking
Expected Growth : 5.5 %
What the company do ?
Corporate and Institutional Banking from The PNC Financial Services Group, Inc. provides cash management, lending, and treasury management solutions to large corporations and institutions.
Why we expect these perspectives ?
PNC's Corporate and Institutional Banking growth is driven by increasing demand for treasury management services, expansion of commercial lending, and growth in capital markets and asset management. Additionally, strategic acquisitions, investments in digital capabilities, and a strong balance sheet contribute to the 5.5% growth.
Segment n°3 -> Other
Expected Growth : 4.0 %
What the company do ?
The 'Other' segment from The PNC Financial Services Group, Inc. includes revenue from treasury management, commercial lending, and other miscellaneous sources.
Why we expect these perspectives ?
PNC's 'Other' segment growth is driven by increasing demand for treasury management services, growth in commercial lending, and expansion of corporate banking activities. Additionally, strategic acquisitions and investments in digital capabilities have contributed to the 4.0% growth rate.
Segment n°4 -> Asset Management Group
Expected Growth : 4.8 %
What the company do ?
The Asset Management Group from The PNC Financial Services Group, Inc. provides investment and wealth management services to individuals, families, and institutions.
Why we expect these perspectives ?
The 4.8% growth of Asset Management Group from The PNC Financial Services Group, Inc. is driven by increasing demand for wealth management services, strategic acquisitions, and expansion of investment products. Additionally, the group's focus on digital transformation, cost savings initiatives, and a strong brand reputation have contributed to its growth.
The Pnc Financial Services Group, Inc. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Provides personal banking services, including checking and savings accounts, credit cards, loans, and investment services |
| Corporate Banking | Offers cash management, lending, and treasury management services to large corporations and middle-market companies |
| Wealth Management | Provides investment, trust, and estate services to individuals, families, and institutions |
| Asset Management | Offers investment management services to institutional clients, including pension funds, endowments, and foundations |
| Residential Mortgage Banking | Provides mortgage lending services to individuals and families |
| Commercial Mortgage Banking | Offers commercial mortgage lending services to real estate investors and developers |
| Treasury Management | Provides cash management and treasury services to corporations and government entities |
| Harris Williams & Co. | Provides M&A advisory services to middle-market companies |
The PNC Financial Services Group, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for PNC Financial Services Group, Inc. is medium due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers is low for PNC Financial Services Group, Inc. as customers have limited negotiating power due to the complexity of financial products and services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium for PNC Financial Services Group, Inc. as the company relies on various suppliers for technology, infrastructure, and services.
Threat Of New Entrants
The threat of new entrants is low for PNC Financial Services Group, Inc. due to the high barriers to entry in the financial services industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high for PNC Financial Services Group, Inc. due to the presence of several large and established financial institutions in the market, leading to intense competition.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 65.97% |
| Debt Cost | 9.69% |
| Equity Weight | 34.03% |
| Equity Cost | 9.69% |
| WACC | 9.69% |
| Leverage | 193.83% |
The PNC Financial Services Group, Inc. : Quality Control
The PNC Financial Services Group, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| PFBC | Preferred Bank provides various commercial banking products and services to small and mid-sized businesses and their owners, entrepreneurs, real estate developers and investors, professionals, and high net worth individuals in … |
| FCNCA | First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals. The company's deposit … |
| OPBK | OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, … |
| MTB | M&T Bank Corporation operates as a bank holding company that provides commercial and retail banking services. The company's Business Banking segment offers deposit, lending, cash management, and other financial services … |
| TFC | Truist Financial Corporation, a holding company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through three segments: Consumer Banking and Wealth, Corporate and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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OpenBank
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Preferred Bank
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Truist
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4
PNC Financial Services Group
A-Score
1-Year Total Return ->
5
M&T Bank
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6
