PNC
Financial ServicesThe PNC Financial Services Group, Inc. · Banks - Regional · $88B
What is The PNC Financial Services Group, Inc.?
PNC Financial Services Group is a large-cap diversified bank headquartered in Pittsburgh, serving consumers, small businesses, corporations, and institutions across the United States.
PNC generates revenue through retail banking, corporate and institutional lending, and asset management. Its retail arm offers everyday deposit accounts, mortgages, and consumer loans, while its institutional segment provides treasury, capital markets, and advisory services to mid-sized and large organizations, including government and non-profit entities.
PNC was established in 1975 and remains headquartered in Pittsburgh, Pennsylvania.
- Retail checking, savings, and lending products
- Corporate and institutional banking and treasury services
- Asset management and investment planning for high-net-worth clients
Is PNC a Good Stock to Buy?
UQS Score rates PNC as Below Average overall.
PNC's strongest pillar is Quality, rated Good, reflecting a reasonably managed balance sheet relative to sector peers. Valuation is rated Attractive, suggesting the market may not be pricing in the bank's fundamentals aggressively.
Moat, Growth, and Risk are all rated Weak, pointing to limited competitive differentiation, subdued expansion prospects, and meaningful risk exposure within the current banking environment.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does PNC pay dividends?
Yes — The PNC Financial Services Group, Inc. pays a dividend.
PNC pays a regular dividend, consistent with the income-oriented tradition of large US regional banks. The dividend reflects the company's capacity to return capital to shareholders while maintaining regulatory capital requirements. Income-focused investors often consider PNC alongside peers in the financial services sector.
When does PNC report earnings?
PNC Financial reports earnings on a quarterly cadence, typical for US-listed financial institutions.
Earnings results have reflected the broader pressures facing regional banks, including interest rate sensitivity and credit quality trends. Revenue mix across retail, institutional, and asset management segments can shift meaningfully with the economic cycle.
For the most recent quarter's results, visit PNC Financial's investor relations page directly.
PNC Price History
+40.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in The PNC Financial Services Group, Inc.?
Based on The PNC Financial Services Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does PNC Financial do?
PNC Financial Services Group operates as a diversified US bank offering retail deposit and lending products, corporate and institutional banking, treasury and capital markets services, and wealth management for high-net-worth clients.
Does PNC pay dividends?
Yes, PNC pays a regular dividend. Large regional banks like PNC have historically maintained dividend programs as a way to return capital to shareholders, subject to regulatory capital requirements.
When does PNC report earnings?
PNC reports earnings quarterly, in line with standard US public company practice. For the exact schedule and most recent results, check PNC's official investor relations page.
Is PNC a good stock to buy?
UQS Score rates PNC as Below Average overall. While Quality and Valuation show relative strengths, the Moat, Growth, and Risk pillars are all rated Weak. The full pillar breakdown is available to Pro members.
Is PNC overvalued?
UQS Score's Valuation pillar for PNC is rated Attractive, suggesting the stock is not considered expensive relative to its fundamentals. View the complete valuation analysis by signing up for a Pro account.
What is PNC's market cap bracket?
PNC Financial Services Group is classified as a large-cap company, placing it among the more substantial US regional banks by market size.
Is PNC a long-term quality investment?
As a long-term quality indicator, PNC's UQS profile shows mixed signals. Good Quality and Attractive Valuation are offset by Weak ratings in Moat, Growth, and Risk — factors that matter for sustained long-term performance.
What sector does PNC belong to?
PNC Financial Services Group operates in the Financial Services sector, specifically within diversified banking, competing with other large US regional and global banks.
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Pro Analysis
PNC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 20, 2026 | 50.3 | 79.1 | 32.0 | 34.8 | 20.3 | 83.7 | +0.7 |
| May 7, 2026 | 49.6 | 71.6 | 32.0 | 34.6 | 27.2 | 84.6 | +0.1 |
| May 4, 2026 | 49.5 | 71.6 | 32.0 | 34.6 | 27.2 | 84.3 | 0.0 |
| Apr 29, 2026 | 49.5 | 71.6 | 32.0 | 34.5 | 27.2 | 84.3 | 0.0 |
| Apr 26, 2026 | 49.5 | 71.6 | 32.0 | 34.6 | 27.2 | 84.3 | 0.0 |
| Apr 24, 2026 | 49.5 | 71.6 | 32.0 | 34.6 | 27.2 | 83.7 | +0.1 |
| Apr 19, 2026 | 49.4 | 71.6 | 32.0 | 34.5 | 27.2 | 83.7 | -0.1 |
| Apr 18, 2026 | 49.5 | 71.6 | 32.0 | 34.4 | 27.2 | 84.1 | -2.0 |
| Apr 17, 2026 | 51.5 | 71.6 | 32.0 | 34.2 | 27.2 | 97.8 | +0.2 |
| Apr 14, 2026 | 51.3 | 71.6 | 32.0 | 33.6 | 27.2 | 97.5 | -0.1 |
PNC — Pillar Breakdown
Quality
— 78.9/100 (25%)The PNC Financial Services Group, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 34.8/100 (20%)The PNC Financial Services Group, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 20.3/100 (15%)The PNC Financial Services Group, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 83.6/100 (15%)The PNC Financial Services Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 32/100 (25%)The PNC Financial Services Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PNC.
Score Composition
Financial Data
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How is the PNC UQS Score Calculated?
The UQS (Unified Quality Score) for The PNC Financial Services Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses The PNC Financial Services Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether The PNC Financial Services Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.