PNC Financial Services (PNC) Stock Analysis

November 11, 2026

This is a peer-relative look at PNC Financial Services (PNC): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for PNC Financial Services (PNC)
Profile Item	PNC
Name	The PNC Financial Services Group, Inc.
Country/Region	United States
GICS Sector	Financials
GICS Industry Group	Banks
GICS Industry	Banks
GICS Sub-Industry	Diversified Banks
Market Capitalization	89.43 billion USD
Currency	USD
Exchange	NYSE
Listing Date	November 17, 1975
Security Type	Common Stock

Price Performance

Cumulative Growth

PNC

GSPC

PNC Financial Services (PNC) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for PNC Financial Services (PNC) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for PNC Financial Services (PNC) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
Total Return (1Y)	30.50%	30.28%
Total Return (3Y, Annualized)	29.46%	26.57%
Total Return (5Y, Annualized)	6.26%	9.43%

Risk Profile

Drawdown History

PNC

GSPC

PNC Financial Services (PNC) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for PNC Financial Services (PNC) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
Volatility (1Y, Annualized)	21.60%	24.34%
Beta (5Y)	0.90	0.72
Max Drawdown (5Y)	-47.98%	-43.36%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. PNC is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
Sharpe Ratio (1Y)	1.21	1.08
Sortino Ratio (1Y)	1.77	1.61

Profitability

ROE (TTM)

PNC Financial Services (PNC) posts ROE of 13.10%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

PNC

Banks industry group

13.10%

Group distribution

Max: 19.84%
Q3: 13.67%
PNC: 13.10%
Median: 11.49%
Q1: 9.50%
Min: 3.64%

Largest peers

JPM: 18.01%
RY: 16.21%
HSBC: 14.22%
PNC: 13.10%
WFC: 12.91%
BAC: 10.73%
MUFG: 9.46%

Where PNC Financial Services (PNC) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

PNC Financial Services (PNC) keeps 31.68% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

PNC

Banks industry group

31.68%

Group distribution

Max: 47.19%
Q3: 35.25%
PNC: 31.68%
Median: 31.21%
Q1: 27.11%
Min: 14.93%

Largest peers

HSBC: 41.16%
JPM: 34.59%
RY: 33.87%
PNC: 31.68%
BAC: 28.06%
WFC: 27.64%
MUFG: 27.45%

Where PNC Financial Services (PNC) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for PNC Financial Services (PNC) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
ROE (TTM)	13.10%	11.49%
ROA (TTM)	1.33%	1.24%
Net Margin (TTM)	31.68%	31.21%
Operating Margin (TTM)	--	--
Gross Margin (TTM)	--	--

Growth

Revenue Growth

PNC Financial Services (PNC) grew revenue 10.90%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

PNC Financial Services (PNC): Revenue Growth across different time periods, set against Banks industry-group medians.

EPS Growth

PNC Financial Services (PNC) grew earnings per share 20.74%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

PNC Financial Services (PNC): EPS Growth across different time periods, set against Banks industry-group medians.

Growth Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
Revenue Growth (YoY)	10.90%	11.23%
Revenue Growth (3Y CAGR)	3.01%	6.33%
EPS Growth (YoY)	20.74%	16.14%
EPS Growth (3Y CAGR)	6.20%	3.15%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for PNC Financial Services (PNC) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for PNC Financial Services (PNC) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

PNC Financial Services (PNC) has dividend yield of 3.13%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

PNC

Banks industry group

3.13%

Group distribution

Max: 5.79%
Q3: 3.18%
PNC: 3.13%
Median: 2.39%
Q1: 1.20%
Min: 0.00%

Largest peers

MUFG: 406.81%
RY: 3.23%
PNC: 3.13%
BAC: 2.33%
WFC: 2.19%
JPM: 1.82%
HSBC: 0.86%

Where PNC Financial Services (PNC) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

PNC Financial Services (PNC) has payout ratio of 37.81%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

PNC

Banks industry group

37.81%

Group distribution

Max: 70.75%
Q3: 41.28%
PNC: 37.81%
Median: 29.26%
Q1: 18.98%
Min: 0.00%

Largest peers

HSBC: 53.57%
RY: 41.49%
PNC: 37.81%
MUFG: 34.74%
BAC: 27.62%
WFC: 26.09%
JPM: 25.80%

Where PNC Financial Services (PNC) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
Dividend Yield (TTM)	3.13%	2.39%
Dividend Payout Ratio (TTM)	37.81%	29.26%

Valuation

P/E Ratio (TTM)

PNC Financial Services (PNC) trades at P/E ratio of 12.00, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

PNC

Banks industry group

12.00

Group distribution

Max: 18.16
Q3: 13.75
PNC: 12.00
Median: 11.81
Q1: 10.64
Min: 6.49

Largest peers

RY: 17.58
JPM: 14.03
MUFG: 13.71
PNC: 12.00
WFC: 11.84
BAC: 11.79
HSBC: 11.38

Where PNC Financial Services (PNC) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for PNC Financial Services (PNC) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

PNC Financial Services (PNC) trades at 1.59 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

PNC

Banks industry group

1.59

Group distribution

Max: 2.28
PNC: 1.59
Q3: 1.58
Median: 1.32
Q1: 1.10
Min: 0.59

Largest peers

HSBC: 6.87
RY: 2.92
JPM: 2.53
MUFG: 1.64
WFC: 1.59
PNC: 1.59
BAC: 1.26

Where PNC Financial Services (PNC) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

PNC Financial Services (PNC) metric values compared with Banks industry-group medians
Metric	Current stock: PNC	Industry group median
P/E Ratio (TTM)	12.00	11.81
P/S Ratio (TTM)	--	--
P/B Ratio (MRQ)	1.59	1.32
Free Cash Flow Yield (TTM)	--	--