PNC FINANCIAL SERVICES GROUP, INC.(PNC)Stock Analysis
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Rank #287 of 2,879 stocksTOP 10%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
PNC Stock Analysis & AI Quality Score
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 70.9/100 on a 32-signal composite quality model, placing it at rank #287 of 2,879 stocks — the top 10% of the AI-ranked universe. PNC scores in the top quartile across revenue scale (93.7), profitability (90.1), free cash flow (81.5). Based on the latest XBRL financial filings (Q1 2026), PNC FINANCIAL SERVICES GROUP, INC. reports quarterly revenue of $6.2B, net income of $1.8B, an operating margin of 35.5%. 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 8 and 72 since 2021, currently 70.9 — a stable long-term trajectory across 56 quarterly and live scoring snapshots.
What's Driving PNC's Business? Latest 10-Q Breakdown
✓ 15/15 datapoints verifiedAI-extracted from PNC FINANCIAL SERVICES GROUP, INC.'s 10-Q filed 2026-05-05 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $1.8B ($4.13 per diluted share) decreased 13% QoQ but rose 18% YoY, driven by FirstBank acquisition contributing $29.1B in assets and 4% of revenue; total loans grew 9% to $360.9B.
Biggest Revenue Drivers
Total revenue: $6.2B+13% YoY
Benefit of FirstBank acquisition, loan growth, and lower funding costs; net interest margin increased 17 basis points.
Higher capital markets and advisory fees; offset by lower private equity revenue and mortgage servicing rights valuation decline.
Largest Expense Items
Increased business activity and FirstBank operating expenses.
FirstBank integration and technology investments.
Margins: Net interest margin expanded 11 basis points QoQ to 2.95%, reflecting 18 basis point decline in rate paid on interest-bearing deposits and FirstBank benefit. YoY, margin expanded 17 basis points driven by fixed rate asset repricing and lower funding costs.
Watch Items from the Filing
- FirstBank acquisition completed January 5, 2026 for $4.3B; integration costs expected $150M-$325M full year 2026; conversion to PNC Bank mid-June 2026.
- Commercial real estate office portfolio at $5.5B (1.5% of total loans) with 30.1% criticized loans and 8.8% nonperforming; 8.9% reserve coverage established.
- CET1 ratio declined from 10.6% to 10.1% at March 31, 2026; regulatory minimum is 6.0%; company maintains strong capital position but monitoring post-acquisition integration.
- Uninsured deposits represent ~44% of total deposit base; majority are commercial operating accounts with multiple PNC products; deposit costs decreased despite growth.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$6.2B
Net Income
Q1 2026
$1.8B
Free Cash Flow
Q1 2026
$1.9B
Operating Margin
Q1 2026
35.5%
D/E Ratio
Q1 2026
1.05
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+7.2% YoYEPS (Diluted)
+20.7% YoYTotal Assets
+2.4% YoYTotal Debt
-7.4% YoYOp. Cash Flow
-44.4% YoY| Metric | FY 2025 | FY 2024 | FY 2021 | FY 2020 | FY 2015 | FY 2012 |
|---|---|---|---|---|---|---|
| Revenue | $23.10B +7.2% | $21.55B +12.2% | $19.21B +13.7% | $16.90B +11.0% | $15.22B -1.9% | $15.51B |
| EPS (Diluted) | $16.59 +20.7% | $13.74 +8.2% | $12.70 -25.1% | $16.96 +129.5% | $7.39 +40.0% | $5.28 |
| Total Assets | $573.57B +2.4% | $560.04B +0.5% | $557.19B +19.4% | $466.68B +30.2% | $358.49B +17.5% | $305.11B |
| Total Debt | $57.10B -7.4% | $61.67B | — | — | — | — |
| Operating Cash Flow | $4.38B -44.4% | $7.88B +9.2% | $7.21B +54.8% | $4.66B | — | $6.83B |
AI Insight: PNC Financial Trends
PNC's revenue climbed 18% from Q1 2024 to Q4 2025 while total debt fell $15.6B, but operating cash flow remains highly volatile.
• Revenue grew consistently from $5,145M in Q1 2024 to $6,071M in Q4 2025, an 18% increase over eight quarters.
• Total debt decreased from $72,707M in Q1 2024 to $57,101M in Q4 2025, a $15.6B reduction.
• Equity strengthened from $51,340M in Q1 2024 to $60,585M in Q4 2025, rising $9.2B.
⚠ Operating cash flow swung from $3,287M in Q3 2024 to negative $509M in Q1 2025, showing extreme quarterly volatility.
⚠ Latest quarter operating cash flow of $757M dropped significantly from $2,656M in Q3 2025.
AI Insight: PNC Ratio Trends
PNC's operating margin expanded 620 basis points from Q1 2024 to Q4 2025 while debt-to-equity ratio improved from 1.42 to 0.94.
• Operating margin rose from 32.2% in Q1 2024 to 38.4% in Q4 2025, with notable acceleration in Q3 2025.
• ROIC increased from 5.3% in Q1 2024 to 7.9% in Q4 2025, showing consistent capital efficiency improvement.
• Debt-to-equity ratio declined from 1.42 in Q1 2024 to 0.94 in Q4 2025, indicating strengthening leverage profile.
⚠ TTM ROIC of 7.2% trails Q4 2025's 7.9%, suggesting potential seasonal headwinds or one-off benefits in recent quarter.
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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.
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.