What is the 13F Pro Quality Score for PNC?

13F Pro ranks PNC FINANCIAL SERVICES GROUP, INC. (PNC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PNC's current score at https://13fpro.ai/company/PNC (free sign-up required for the full ranking).

Which hedge funds own the most PNC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of PNC include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/PNC as soon as new 13F filings post.

Where does 13F Pro source PNC data?

All PNC FINANCIAL SERVICES GROUP, INC. fundamentals and ownership data come directly from SEC EDGAR. PNC FINANCIAL SERVICES GROUP, INC. files with the SEC under CIK 713676. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PNC in?

PNC FINANCIAL SERVICES GROUP, INC. (PNC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives PNC's revenue?

Per PNC FINANCIAL SERVICES GROUP, INC.'s latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net interest income ($4,107M, +4% QoQ); Noninterest income ($2,768M, +26% QoQ); Other income ($489M, +291% QoQ). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/PNC.

What are PNC's largest expenses?

PNC FINANCIAL SERVICES GROUP, INC.'s latest 10-Q reports these as the largest expense items: Personnel ($2,273M, +8% QoQ); Other ($1,028M, +14% QoQ); Equipment ($435M, +5% QoQ). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

How often is PNC research updated on 13F Pro?

PNC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PNC FINANCIAL SERVICES GROUP, INC.(PNC)Stock Analysis

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SEC EDGAR: CIK 713676 PNC stock profile & AI dashboard →

13F Pro Quality Score

73.7/100

Rank #131 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

56.4/100

Profitability

91.0/100

Balance Sheet

47.1/100

Earnings Quality

31.3/100

Free Cash Flow

84.0/100

Institutional Flow

70.0/100

Revenue Scale

93.8/100

Dilution Risk

94.7/100

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Why PNC Scores 74/100

exact factor attribution · 2026-09-11

PNC's composite is driven by scale and profitability, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+8.8 pts

94th pct

Profitability

+8.2 pts

91th pct

Free cash flow

+5.1 pts

84th pct

Shareholder dilution

+3.0 pts

95th pct

Revenue growth

+1.7 pts

56th pct

Institutional flow

+1.3 pts

70th pct

Earnings growth

+1.1 pts

67th pct

Capital efficiency

-0.4 pts

47th pct

Earnings quality

-1.9 pts

31th pct

Latest change (2026-08-05): 71 → 73 · ↑ Earnings growth 47→58

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PNC Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for PNC FINANCIAL SERVICES GROUP, INC. (PNC), a Financials sector company. 13F Pro's AI-powered ranking engine scores PNC at 73.7/100 on a 32-signal composite quality model, placing it at rank #131 of 2,961 stocks — the top 5% of the AI-ranked universe. PNC scores in the top quartile across revenue scale (93.8), profitability (91.0), free cash flow (84.0). Areas of concern include earnings quality (31.3), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), PNC FINANCIAL SERVICES GROUP, INC. reports quarterly revenue of $6.9B, net income of $2.0B, an operating margin of 37.6%. Top institutional holders of PNC by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. PNC trades on the NYSE exchange and files with the SEC under CIK 713676. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PNC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PNC FINANCIAL SERVICES GROUP, INC. directly from SEC EDGAR. PNC FINANCIAL SERVICES GROUP, INC.'s 13F Pro composite quality score has ranged between 62 and 74 since 2021, currently 73.7 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about PNC FINANCIAL SERVICES GROUP, INC.

Quirks, history, and lore behind PNC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · large-cap · listed on the NYSE · headquartered in Pittsburgh, Pennsylvania.
2
The Numbers
One of the ten largest banks in America by assets, with a balance sheet north of $550 billion and operations spanning roughly 2,600 branches across 29 states.
3
The History
Its roots trace back to the 19th century in Pittsburgh; it grew into a national powerhouse through decades of acquisitions, including a landmark deal for National City Corp during the 2008 financial crisis.
4
The Secret
It runs a significant asset management arm and is one of the largest owners of BlackRock shares — a stake worth tens of billions that quietly underpins its balance sheet.
5
The Lore
Its Virtual Wallet product became a cult favorite among younger customers for gamifying personal finance, and the bank has long been associated with the Steel City's civic identity.
6
The Giveaway
Three letters, a Pittsburgh skyline on the logo, and a corporate tower that dominates the Steel City's financial district — this bank's ticker is basically its whole name.

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What's Driving PNC's Business? Latest 10-Q Breakdown

✓ 31/31 datapoints verified

AI-extracted from PNC FINANCIAL SERVICES GROUP, INC.'s 10-Q filed 2026-08-05 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Total revenue of $6.9B rose 12% versus Q1 2026 on a $448M Visa exchange gain and record capital markets fees, lifting net income to $2.1B, or $4.81 per diluted share.

Biggest Revenue Drivers

Net interest income$4,107M+4% QoQ

Included the benefit of commercial loan growth and higher noninterest-bearing deposit balances

Noninterest income$2,768M+26% QoQ

Reflecting higher capital markets and advisory revenue plus second quarter significant items

Biggest Revenue Drivers

Total revenue: $6.9B+12% QoQ

Net interest income$4,107M+4% QoQ

Included the benefit of commercial loan growth and higher noninterest-bearing deposit balances

Noninterest income$2,768M+26% QoQ

Reflecting higher capital markets and advisory revenue plus second quarter significant items

Within Noninterest income

Other income$489M+291% QoQ

$448M Visa exchange gain offset by a $139M securities loss on AFS portfolio repositioning

Card and cash management$772M+5% QoQ

Seasonally higher consumer transaction volumes and growth in treasury management product revenue

Capital markets and advisory$577M+25% QoQ

Growth across capital markets businesses, including strong merger and acquisition advisory activity

Largest Expense Items

Personnel$2,273M+8% QoQ

Higher personnel costs as a result of increased business activity

Other$1,028M+14% QoQ

Included FirstBank integration expenses of $121 million and a $140 million pre-tax PNC Foundation contribution

Equipment$435M+5% QoQ

Technology investments supporting business growth

Provision for credit losses$191M-$19M QoQ

Reflected portfolio activity as well as updates to macroeconomic factors

Margins: Net interest margin rose 1 basis point to 2.96% from Q1 2026, aided by commercial loan growth and higher noninterest-bearing deposits. Efficiency ratio improved to 60% from 61%.

Watch Items from the Filing

CET1 ratio fell to 9.9% at June 30, 2026 from 10.6% at December 31, 2025 as loans grew 11% and borrowed funds rose 50% to $85.7B.
Office portfolio loans of $5.1 billion, 1.4% of total loans, carry 29.4% criticized and 8.1% nonperforming, with reserves of 8.8%.
Q3 2026 guidance calls for fee income down 5% to 5.5% and noninterest expense down 7% to 8% versus Q2.
Uninsured deposits were approximately 45% of the total deposit base at June 30, 2026; brokered deposits fell to $2.1B from $5.1B.
FirstBank integration remains ongoing: $218M of the expected ~$325M merger costs booked in the first half, with ~$50M more expected in Q3 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$6.9B

Net Income

Q2 2026

$2.0B

Operating Margin

Q2 2026

37.6%

ROIC

Q2 2026

6.9%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+7.2% YoY

$23.10BFY 2025

FY22 $21.12BFY23 $21.49BFY24 $21.55BFY25 $23.10B

EPS (Diluted)

+20.7% YoY

$16.59FY 2025

FY22 $13.85FY23 $12.79FY24 $13.74FY25 $16.59

Total Assets

+2.4% YoY

$573.57BFY 2025

FY22 $557.26BFY23 $561.58BFY24 $560.04BFY25 $573.57B

Total Debt

-7.4% YoY

$57.10BFY 2025

FY22 $58.73BFY23 $72.74BFY24 $61.67BFY25 $57.10B

Op. Cash Flow

-44.4% YoY

$4.38BFY 2025

FY22 $9.08BFY23 $10.11BFY24 $7.88BFY25 $4.38B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$23.10B +7.2%	$21.55B +0.3%	$21.49B +1.8%	$21.12B +9.9%	$19.21B +13.7%	$16.90B
EPS (Diluted)	$16.59 +20.7%	$13.74 +7.4%	$12.79 -7.7%	$13.85 +9.1%	$12.70 -25.1%	$16.96
Total Assets	$573.57B +2.4%	$560.04B -0.3%	$561.58B +0.8%	$557.26B +0.0%	$557.19B +19.4%	$466.68B
Total Debt	$57.10B -7.4%	$61.67B -15.2%	$72.74B +23.9%	$58.73B	—	—
Operating Cash Flow	$4.38B -44.4%	$7.88B -22.1%	$10.11B +11.3%	$9.08B +25.9%	$7.21B +54.8%	$4.66B

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Available Research

13F Pro tracks comprehensive data for PNC FINANCIAL SERVICES GROUP, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PNC

BlackRock, Inc.
$7.9B32,172,263 sh
VANGUARD CAPITAL MANAGEMENT LLC
$6.5B26,208,803 sh
STATE STREET CORP
$4.5B18,434,446 sh
FMR LLC
$3.5B14,254,710 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.6B10,597,926 sh
NORGES BANK
$2.5B10,145,985 sh
GEODE CAPITAL MANAGEMENT, LLC
$2.3B9,519,144 sh
BANK OF AMERICA CORP /DE/
$2.1B8,539,645 sh
FRANKLIN RESOURCES INC
$2.1B8,424,326 sh
Capital Research Global Investors
$1.9B7,694,464 sh

Fund	Value	Shares
BlackRock, Inc.	$7.9B	32,172,263
VANGUARD CAPITAL MANAGEMENT LLC	$6.5B	26,208,803
STATE STREET CORP	$4.5B	18,434,446
FMR LLC	$3.5B	14,254,710
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.6B	10,597,926
NORGES BANK	$2.5B	10,145,985
GEODE CAPITAL MANAGEMENT, LLC	$2.3B	9,519,144
BANK OF AMERICA CORP /DE/	$2.1B	8,539,645
FRANKLIN RESOURCES INC	$2.1B	8,424,326
Capital Research Global Investors	$1.9B	7,694,464

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Is PNC a good stock to buy?

13F Pro's AI-powered analysis of PNC FINANCIAL SERVICES GROUP, INC. (PNC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PNC are available on the PNC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. PNC is classified as a large company.

Which hedge funds own PNC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PNC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PNC FINANCIAL SERVICES GROUP, INC.'s investment landscape.