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Upturn AI SWOT - About
PNC 
PNC Financial Services Group Inc (PNC)
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Upturn Advisory Summary
02/25/2025: PNC (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 14.13% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 02/25/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 69.11B USD | Price to earnings Ratio 12.7 | 1Y Target Price 210.93 |
Price to earnings Ratio 12.7 | 1Y Target Price 210.93 | ||
Volume (30-day avg) 2219228 | Beta 1.13 | 52 Weeks Range 139.82 - 214.49 | Updated Date 04/1/2025 |
52 Weeks Range 139.82 - 214.49 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.64% | Basic EPS (TTM) 13.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.36% | Operating Margin (TTM) 35.21% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 11.27% |
Valuation
Trailing PE 12.7 | Forward PE 11.3 | Enterprise Value 131744710656 | Price to Sales(TTM) 3.33 |
Enterprise Value 131744710656 | Price to Sales(TTM) 3.33 | ||
Enterprise Value to Revenue 6.29 | Enterprise Value to EBITDA - | Shares Outstanding 395750016 | Shares Floating 392579629 |
Shares Outstanding 395750016 | Shares Floating 392579629 | ||
Percent Insiders 0.38 | Percent Institutions 85.12 |
Analyst Ratings
Rating 3.75 | Target Price 218.82 | Buy 4 | Strong Buy 9 |
Buy 4 | Strong Buy 9 | ||
Hold 8 | Sell 2 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
PNC Financial Services Group Inc
Company Overview
History and Background
PNC Financial Services Group, Inc. was founded in 1852 as Pittsburgh Trust and Savings Company. Through numerous mergers and acquisitions, including the significant acquisition of National City Corp. in 2008, PNC has grown into one of the largest financial institutions in the United States.
Core Business Areas
- Retail Banking: Provides a full range of banking services to individual customers and small businesses, including checking, savings, loans, and investment products.
- Corporate & Institutional Banking: Offers corporate lending, treasury management, investment banking, and capital markets services to mid-sized and large corporations.
- Asset Management Group: Provides investment management, wealth management, and retirement planning services to individuals and institutions.
Leadership and Structure
PNC is led by William S. Demchak (Chairman, President, and CEO). The organizational structure includes various business units, each headed by senior executives, reporting to the CEO. The board of directors provides oversight and guidance.
Top Products and Market Share
Key Offerings
- Consumer Lending: PNC offers a variety of consumer loans, including mortgages, auto loans, and personal loans. Market share data varies by loan type, with competition from major national banks and credit unions. Competitors include Bank of America, Wells Fargo, and JPMorgan Chase. No specific market share available.
- Treasury Management Services: PNC's treasury management services help businesses manage their cash flow, payments, and working capital. Competition includes JPMorgan Chase and Bank of America. No specific market share data available.
- Wealth Management: PNC provides wealth management, asset management, and private banking. Competitors include Goldman Sachs, Morgan Stanley, and UBS. No specific market share available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Technological advancements and changing customer preferences are also reshaping the industry.
Positioning
PNC is positioned as a super-regional bank with a strong presence in the Mid-Atlantic, Midwest, and Southeast regions. Its competitive advantages include its diverse business mix, strong balance sheet, and focus on technology and innovation.
Total Addressable Market (TAM)
The Total Addressable Market of the U.S. banking sector is estimated to be in the trillions of dollars. PNC is positioned to capture a share of this TAM through its various business segments, focusing on regional strength and commercial banking relationships.
Upturn SWOT Analysis
Strengths
- Diversified revenue streams
- Strong regional presence
- Sound risk management practices
- Focus on technology and innovation
- Healthy capital ratios
Weaknesses
- Geographic concentration (reliance on certain regions)
- Exposure to interest rate risk
- Dependence on economic conditions
- Regulatory compliance costs
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growth in wealth management business
- Increase in interest rates
Threats
- Increased competition from fintech companies
- Economic downturn
- Changes in regulatory environment
- Cybersecurity threats
- Decreasing interest rates
Competitors and Market Share
Key Competitors
- JPM
- BAC
- WFC
- C
- USB
Competitive Landscape
PNC is a strong regional player but faces significant competition from larger national banks with greater resources and broader geographic reach. PNC's focus on technology and customer service helps it differentiate itself.
Major Acquisitions
BBVA USA
- Year: 2021
- Acquisition Price (USD millions): 11600
- Strategic Rationale: Significantly expanded PNC's presence in the Sun Belt region and increased its national scale.
Growth Trajectory and Initiatives
Historical Growth: Requires data to perform growth trend analysis over past years.
Future Projections: Future projections based on analyst estimates requires real-time access to estimates.
Recent Initiatives: PNC has been focused on expanding its digital banking capabilities, investing in technology, and growing its wealth management business.
Summary
PNC is a well-established regional bank with a diversified business model and a strong presence in key markets. Its recent acquisition of BBVA USA significantly enhances its growth potential. However, it faces challenges from larger national banks and fintech companies, and must navigate a complex regulatory environment to stay competitive. PNC's focus on technology and customer service positions it for continued success, however the company is exposed to interest rate and market risk.
Similar Companies
- JPM
- BAC
- WFC
- USB
- MTB
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is approximate and subject to change. Real-time financial data and professional advice should be obtained before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PNC Financial Services Group Inc
Exchange NYSE | Headquaters Pittsburgh, PA, United States | ||
IPO Launch date 1988-09-07 | Chairman & CEO Mr. William S. Demchak | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 53686 | Website https://www.pnc.com |
Full time employees 53686 | Website https://www.pnc.com | ||
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The company's Retail Banking segment offers checking, savings, and money market accounts, and time 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, digital channels, ATMs, and through phone-based customer contact centers. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; securities underwriting, loan syndications, customer-related trading, 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 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. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
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