Keuangan PNC Financial Services (PNC)
NYSE · Financial Services · Banks - Regional · Karyawan: 55.572 · CEO: William S. Demchak
- Harga
- $227,86 -1,71%
- Kapitalisasi pasar
- $90,5 M
- Nilai perusahaan
- $140 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-15
- Laporan berikutnya
- 2027-01-15
Pendapatan (TTM)$35,7 M+5,8% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)27,2%+3,4 poin vs tahun laluLaba operasional: $9,72 M
Laba bersih (TTM)$7,9 M+21,1% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$4,83 M-11,0% vs tahun laluCapex: $0
EPS dilusian (TTM)$18,79+21,4% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$97 M+116,5% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $90,5 M EV $140 M
- Pendapatan
- $35,7 M 12 bulan terakhir
- Pertumbuhan pendapatan
- – Tahun fiskal berikutnya
- Margin laba
- 22,1% Laba bersih / pendapatan, TTM
- P/E
- 12,1×
- P/S
- 2,5× Harga / penjualan, TTM
- EV / EBITDA
- 10,9× TTM
- Arus kas bebas
- $4,83 M 12 bulan terakhir
- Laba bersih
- $7,9 M 12 bulan terakhir
- Estimasi pendapatan
- – Tahun fiskal berikutnya
- Laba
- 2027-01-15
- Dividen
- $7,40 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan menguat: 6,6% yoyPendapatan Q3 '26: $9,36 M, rata-rata empat kuartal sebelumnya: 3,9%.
- Margin operasional 27,2% (TTM), dibanding tahun lalu: +3,4 poinLaba operasional tumbuh 20,6%, pendapatan tumbuh 5,8%.
- Capex: 0,0% dari pendapatan (tahun lalu 0,0%)$0 diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $4,83 M = 61,2% dari laba bersih.
- $3,89 M dikembalikan ke pemegang saham = 80,4% dari arus kas bebasBuyback: $1,82 M (tahun lalu $1,65 M), dividen: $2,06 M, kompensasi saham: $0 (TTM).
- Jumlah saham dilusian naik dalam setahun: 1,3%Saham dilusian pada Q3 '26: 401 jt, setahun sebelumnya: 396 jt.
- Kas neto: $97 MKas + investasi jangka pendek: $177 M, utang termasuk sewa: $79,8 M; tahun lalu kas neto: $44,8 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $9,36 M | $8,78 M | +6,6% |
| Margin kotor | 68,1% | 65,5% | +2,6 poin |
| Laba operasional | $2,62 M | $2,29 M | +14,6% |
| Margin operasional | 28,0% | 26,1% | +2,0 poin |
| Laba bersih | $2,08 M | $1,81 M | +15,1% |
| EPS dilusian | $4,97 | $4,35 | +14,3% |
| Arus kas operasional | $0 | $2,66 M | -100,0% |
| Capex | $0 | $0 | – |
| Arus kas bebas | $0 | $2,66 M | -100,0% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | $0 | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q2 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Retail Banking | $4,52 M | – | 65,7% | – | – | |
| Retail Banking 1 | – | – | – | – | – | |
| Corporate & Institutional Banking | $3,26 M | +372,2% | 47,5% | – | – | |
| Other activities | -$1,37 M | – | -19,9% | – | – | |
| Other | – | – | – | – | – | |
| Asset Management Group | $462 jt | +91,7% | 6,7% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $4,83 M
- Capex
- $0
- Buyback
- -$1,82 M
- Dividen
- -$2,06 M
- Akuisisi
- -$80 jt
- Utang neto diterbitkan
- $8,63 M
- Kompensasi berbasis saham
- $0
- Arus kas bebas
- $4,83 M
- Dikembalikan ke pemegang saham / FCF
- 80,4%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 12,1× | 13,2× | 11,4× – 15,8× |
| EV / EBITDA | 10,9× | 10,2× | 4,1× – 12,3× |
| EV / Penjualan | 3,9× | 2,8× | 1,8× – 3,8× |
| Harga / FCF | 18,7× | 10,7× | 6,1× – 18,8× |
| Harga / Nilai buku | 1,5× | 1,4× | 1,2× – 1,5× |
| Imbal hasil FCF | 5,3% | 10,9% | 5,3% – 16,3% |
| Imbal hasil modal yang diinvestasikan | 4,9% | 5,2% | 4,0% – 6,6% |
| Imbal hasil ekuitas | 12,6% | 11,3% | 10,2% – 13,2% |
Analis
Target konsensus $272,53 (+19,6%)
rentang $240,00 – $305,00 · peringkat Hold
Beli kuat0
Beli22
Tahan23
Jual1
Jual kuat0
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 358 angka yang ditandai The PNC Financial Services Group, Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accrued Liabilities and Other Liabilities | $15,6 M | $13,6 M | +15,3% | $14,2 M | $16,4 M | -13,9% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $11,1 M2025-12-31 | $10,7 M | +3,3% | $11,1 M | $10,7 M | +3,3% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$4,12 M | -$4,68 M | +12,0% | -$3,41 M | -$6,57 M | +48,1% |
| Additional Collateral, Aggregate Fair Value | $2 M | $1,7 M | +17,6% | $1,5 M | $2,8 M | -46,4% |
| Additional Paid in Capital | $22 M | $18,8 M | +17,0% | $18,9 M | $18,7 M | +1,1% |
| Advances from Federal Home Loan Banks | $40,4 M | $18 M | +124,5% | $13 M | $22 M | -40,9% |
| Amortization | – | – | – | $151 jt | $139 jt | +8,6% |
| Assets | $616 M | $559 M | +10,2% | $574 M | $560 M | +2,4% |
| AssetsAverageOutstanding | $616 M | $562 M | +9,7% | $566 M | $565 M | +0,3% |
| Brokerage Commissions Revenue | $440 jt | $391 jt | +12,5% | $1,6 M | $1,49 M | +7,5% |
| Business Combination, Acquisition Related Costs | $127 jt | – | – | – | – | – |
| Business Combination, Integration Related Costs | $121 jt | – | – | – | – | – |
| Cash | – | – | – | $45,3 M2024-12-31 | $49,7 M | -9,0% |
| Cash and Due from Banks | $5,95 M | $5,94 M | +0,2% | $6,78 M | $6,9 M | -1,8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $28,7 M | $30,4 M | -5,4% | $39,7 M | $46,3 M | -14,1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$2,95 M | -$8,01 M | +63,1% | -$6,54 M | -$4,47 M | -46,1% |
| Collateral Already Posted, Aggregate Fair Value | $800 jt | $1 M | -20,0% | $800 jt | $1,1 M | -27,3% |
| Common Stock, Capital Shares Reserved for Future Issuance | 77 jt2025-12-31 | 78 jt | -1,3% | 77 jt | 78 jt | -1,3% |
| Common Stock, Dividends, Per Share, Declared | $1,70 | $1,60 | +6,3% | $6,60 | $6,30 | +4,8% |
| Common Stock, Par or Stated Value Per Share | $5,00 | $5,00 | 0,0% | $5,00 | $5,00 | 0,0% |
| Common Stock, Shares Authorized | 800 jt | 800 jt | 0,0% | 800 jt | 800 jt | 0,0% |
| Common Stock, Shares, Issued | 557 jt | 543 jt | +2,6% | 543 jt | 543 jt | 0,0% |
| Common Stock, Value, Issued | $2,79 M | $2,72 M | +2,5% | $2,72 M | $2,72 M | 0,0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $15 jt | $16 jt | -6,3% | $61 jt | $64 jt | -4,7% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $1,69 M | $2,18 M | -22,4% | $10,1 M | $7,04 M | +43,4% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $1,71 M | $2,2 M | -22,3% | $10,2 M | $7,1 M | +43,0% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $200 jt | $200 jt | 0,0% | $700 jt | $700 jt | 0,0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $1,35 M | $1,05 M | +28,7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $10 jt | $52 jt | -80,8% |
| Current Income Tax Expense (Benefit) | – | – | – | $1,53 M | $1,32 M | +15,9% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $173 jt | $221 jt | -21,7% |
| Debt and Equity Securities, Gain (Loss) | -$139 jt | $0 | – | -$9 jt | -$500 jt | +98,2% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $335 jt | $325 jt | +3,1% | $348 jt | $328 jt | +6,1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $404 jt | $417 jt | -3,1% | $621 jt | $243 jt | +155,6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $2,51 M | $3,04 M | -17,4% | $2,38 M | $3,7 M | -35,6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $34,5 M2025-12-31 | $34,8 M | -0,7% | $34,5 M | $34,8 M | -0,7% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $14,1 M2025-12-31 | $15,6 M | -10,0% | $14,1 M | $15,6 M | -10,0% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $20,8 M2025-12-31 | $14,2 M | +46,1% | $20,8 M | $14,2 M | +46,1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $531 jt2025-12-31 | $873 jt | -39,2% | $531 jt | $873 jt | -39,2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $19,2 M | $31,6 M | -39,2% | $22,1 M | $25,1 M | -12,2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $2,39 M | $2,97 M | -19,6% | $2,36 M | $3,53 M | -33,1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $16,1 M | $14 M | +15,0% | $644 jt | $24,5 M | -97,4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $109 jt | $50 jt | +118,0% | $5 jt | $147 jt | -96,6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $32,7 M2025-12-31 | $31,8 M | +2,9% | $32,7 M | $31,8 M | +2,9% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $14 M2025-12-31 | $15,3 M | -8,3% | $14 M | $15,3 M | -8,3% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $20,8 M2025-12-31 | $14,1 M | +48,1% | $20,8 M | $14,1 M | +48,1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $528 jt2025-12-31 | $870 jt | -39,3% | $528 jt | $870 jt | -39,3% |
| Debt Securities, Available-for-sale, Gain (Loss) | -$7 jt2025-12-31 | -$2 jt | -250,0% | -$9 jt | -$500 jt | +98,2% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $38,7 M | $36,6 M | +5,6% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $36,7 M | $34,2 M | +7,2% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $5,02 M | $16,1 M | -68,8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $4,95 M | $15,9 M | -68,8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost | $28,5 M | $16 M | +77,8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $28,4 M | $16 M | +77,7% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost | $1,02 M | $1,05 M | -2,8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $1,02 M | $1,04 M | -2,5% | – | – | – |
| Debt Securities, Available-for-sale, Realized Gain | $0 | $0 | – | $32 jt | $2 jt | +1.500,0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$139 jt | $0 | – | -$9 jt | -$500 jt | +98,2% |
| Debt Securities, Available-for-sale, Realized Loss | $139 jt | $0 | – | $41 jt | $502 jt | -91,8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $35,3 M | $45,6 M | -22,5% | $22,7 M | $49,6 M | -54,2% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-01