PNC Financial Services (PNC) 재무
NYSE · Financial Services · Banks - Regional · 직원 55,572명 · CEO William S. Demchak
- 주가
- $227.86 -1.71%
- 시가총액
- $905억
- 기업가치
- $1400억
- 최근 실적
- Q3 '26 2026-10-15 제출
- 다음 실적
- 2027-01-15
매출(TTM)$357억+5.8% 전년 대비최근 4개 분기, 막대 = 각 분기
영업이익률(TTM)27.2%+3.4 %p 전년 대비영업이익 $97.2억
순이익(TTM)$79억+21.1% 전년 대비세후, 영업외손익 포함
잉여현금흐름(TTM)$48.3억-11.0% 전년 대비설비투자 $0
희석 EPS(TTM)$18.79+21.4% 전년 대비최근 4개 분기 합계
순현금$970억+116.5% 전년 대비현금 + 단기투자 - 차입금
밸류에이션 및 주요 지표
- 시가총액
- $905억 EV $1400억
- 매출
- $357억 최근 12개월
- 매출 성장률
- – 다음 회계연도
- 순이익률
- 22.1% 순이익 / 매출, TTM
- P/E
- 12.1×
- P/S
- 2.5× 주가 / 매출, TTM
- EV / EBITDA
- 10.9× TTM
- 잉여현금흐름
- $48.3억 최근 12개월
- 순이익
- $79억 최근 12개월
- 매출 추정
- – 다음 회계연도
- 이익
- 2027-01-15
- 배당
- $7.40 주당, 최근 12개월
핵심 요약
보고된 수치로 산출했으며, 모든 문장에 근거 수치를 함께 표시합니다.
- 매출 성장 가속: 전년비 6.6%Q3 '26 매출 $93.6억, 직전 4개 분기 평균은 3.9%.
- 영업이익률 27.2%(TTM), 전년 대비 +3.4 %p매출이 5.8% 늘어나는 동안 영업이익은 20.6% 증가.
- 설비투자는 매출의 0.0%(전년 0.0%)최근 4개 분기 투자액 $0(전년비 –). 잉여현금흐름 $48.3억, 순이익의 61.2%.
- 주주환원 $38.9억 = 잉여현금흐름의 80.4%자사주 매입 $18.2억(전년 $16.5억), 배당 $20.6억, 주식보상 $0(TTM).
- 희석 주식 수 1년간 1.3% 증가Q3 '26 희석 주식 수 4.01억, 1년 전 3.96억.
- 순현금 $970억현금 + 단기투자 $1770억, 리스 포함 차입금 $798억. 1년 전 순현금 $448억.
직전 분기: Q3 '26
2026-09-30 종료 분기. 전년 동기 및 실적 발표 전 애널리스트 컨센서스와 비교.
분기 전년 대비
| Q3 '26 | 전년 | 증감 | |
|---|---|---|---|
| 매출 | $93.6억 | $87.8억 | +6.6% |
| 매출총이익률 | 68.1% | 65.5% | +2.6 %p |
| 영업이익 | $26.2억 | $22.9억 | +14.6% |
| 영업이익률 | 28.0% | 26.1% | +2.0 %p |
| 순이익 | $20.8억 | $18.1억 | +15.1% |
| 희석 EPS | $4.97 | $4.35 | +14.3% |
| 영업활동 현금흐름 | $0 | $26.6억 | -100.0% |
| 설비투자 | $0 | $0 | – |
| 잉여현금흐름 | $0 | $26.6억 | -100.0% |
| R&D | $0 | $0 | – |
| 주식보상비용 | $0 | $0 | – |
매출
수익이 어디서 나오는지를 사업별, 지역별로 분기마다 보여줍니다.
매출, 영업이익, 성장률
분기사업별 매출
누적, 분기| 부문 | Q2 '26 | 전년비 | 비중 | TTM | TTM 전년비 | 12개 분기 |
|---|---|---|---|---|---|---|
| Retail Banking | $45.2억 | – | 65.7% | – | – | |
| Retail Banking 1 | – | – | – | – | – | |
| Corporate & Institutional Banking | $32.6억 | +372.2% | 47.5% | – | – | |
| Other activities | -$13.7억 | – | -19.9% | – | – | |
| Other | – | – | – | – | – | |
| Asset Management Group | $4.62억 | +91.7% | 6.7% | – | – |
이익률과 비용 구조
매출 한 단위에서 단계별로 얼마가 남는지, 그리고 비용이 어디에 쓰이는지.
이익률
분기매출 대비 비용 비율
분기현금흐름과 자본 배분
창출한 현금, 그 용도, 그리고 주주에게 돌아가는 몫.
영업활동 현금흐름, 설비투자, 잉여현금흐름
분기현금 사용처와 영업활동 현금흐름
회계연도최근 4개 분기
현금흐름표- 영업활동 현금흐름
- $48.3억
- 설비투자
- $0
- 자사주 매입
- -$18.2억
- 배당금
- -$20.6억
- 인수
- -$8000만
- 순차입금 발행
- $86.3억
- 주식보상비용
- $0
- 잉여현금흐름
- $48.3억
- 주주환원 / FCF
- 80.4%
주식 수와 EPS
분기, 희석재무상태표
각 분기말의 유동성, 투자, 차입금.
현금, 투자, 차입금
분기말밸류에이션과 수익률
현재 배수를 회사 자체의 최근 5개 회계연도와 비교. 애널리스트 목표주가와 투자의견.
배수와 수익률
TTM 대 5개 회계연도| 현재 | 5년 평균 | 5년 범위에서의 현재 위치 | |
|---|---|---|---|
| P/E(TTM) | 12.1× | 13.2× | 11.4× – 15.8× |
| EV / EBITDA | 10.9× | 10.2× | 4.1× – 12.3× |
| EV / 매출 | 3.9× | 2.8× | 1.8× – 3.8× |
| 주가 / FCF | 18.7× | 10.7× | 6.1× – 18.8× |
| 주가 / 장부가치 | 1.5× | 1.4× | 1.2× – 1.5× |
| FCF 수익률 | 5.3% | 10.9% | 5.3% – 16.3% |
| 투하자본이익률 | 4.9% | 5.2% | 4.0% – 6.6% |
| 자기자본이익률 | 12.6% | 11.3% | 10.2% – 13.2% |
애널리스트
컨센서스 목표주가 $272.53 (+19.6%)
범위 $240.00 – $305.00 · 투자의견 Hold
적극 매수0
매수22
중립23
매도1
적극 매도0
재무제표
손익계산서, 재무상태표, 현금흐름표의 모든 항목. 12개 분기와 10개 회계연도를 금액, 매출 대비 비율, 성장률로 표시.
전체 보고 항목
The PNC Financial Services Group, Inc.이(가) 최근 10-Q / 10-K 제출 서류에 태그한 358개 전 항목을 SEC 공식 라벨과 정의와 함께 제공합니다. 주석(리스, 세금, 자사주 매입, 직원 등)도 포함.
| 항목(SEC 라벨) | 최근 분기 | 전년 | 전년비 | 최근 FY | 직전 FY | 전년비 |
|---|---|---|---|---|---|---|
| Accrued Liabilities and Other Liabilities | $156억 | $136억 | +15.3% | $142억 | $164억 | -13.9% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $111억2025-12-31 | $107억 | +3.3% | $111억 | $107억 | +3.3% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$41.2억 | -$46.8억 | +12.0% | -$34.1억 | -$65.7억 | +48.1% |
| Additional Collateral, Aggregate Fair Value | $20억 | $17억 | +17.6% | $15억 | $28억 | -46.4% |
| Additional Paid in Capital | $220억 | $188억 | +17.0% | $189억 | $187억 | +1.1% |
| Advances from Federal Home Loan Banks | $404억 | $180억 | +124.5% | $130억 | $220억 | -40.9% |
| Amortization | – | – | – | $1.51억 | $1.39억 | +8.6% |
| Assets | $6160억 | $5590억 | +10.2% | $5740억 | $5600억 | +2.4% |
| AssetsAverageOutstanding | $6160억 | $5620억 | +9.7% | $5660억 | $5650억 | +0.3% |
| Brokerage Commissions Revenue | $4.4억 | $3.91억 | +12.5% | $16억 | $14.9억 | +7.5% |
| Business Combination, Acquisition Related Costs | $1.27억 | – | – | – | – | – |
| Business Combination, Integration Related Costs | $1.21억 | – | – | – | – | – |
| Cash | – | – | – | $453억2024-12-31 | $497억 | -9.0% |
| Cash and Due from Banks | $59.5억 | $59.4억 | +0.2% | $67.8억 | $69억 | -1.8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $287억 | $304억 | -5.4% | $397억 | $463억 | -14.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$29.5억 | -$80.1억 | +63.1% | -$65.4억 | -$44.7억 | -46.1% |
| Collateral Already Posted, Aggregate Fair Value | $8억 | $10억 | -20.0% | $8억 | $11억 | -27.3% |
| Common Stock, Capital Shares Reserved for Future Issuance | 7700만2025-12-31 | 7800만 | -1.3% | 7700만 | 7800만 | -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 | 8억 | 8억 | 0.0% | 8억 | 8억 | 0.0% |
| Common Stock, Shares, Issued | 5.57억 | 5.43억 | +2.6% | 5.43억 | 5.43억 | 0.0% |
| Common Stock, Value, Issued | $27.9억 | $27.2억 | +2.5% | $27.2억 | $27.2억 | 0.0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest | $1500만 | $1600만 | -6.3% | $6100만 | $6400만 | -4.7% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $16.9억 | $21.8억 | -22.4% | $101억 | $70.4억 | +43.4% |
| Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest | $17.1억 | $22억 | -22.3% | $102억 | $71억 | +43.0% |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $2억 | $2억 | 0.0% | $7억 | $7억 | 0.0% |
| Current Federal Tax Expense (Benefit) | – | – | – | $13.5억 | $10.5억 | +28.7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $1000만 | $5200만 | -80.8% |
| Current Income Tax Expense (Benefit) | – | – | – | $15.3억 | $13.2억 | +15.9% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $1.73억 | $2.21억 | -21.7% |
| Debt and Equity Securities, Gain (Loss) | -$1.39억 | $0 | – | -$900만 | -$5억 | +98.2% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $3.35억 | $3.25억 | +3.1% | $3.48억 | $3.28억 | +6.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $4.04억 | $4.17억 | -3.1% | $6.21억 | $2.43억 | +155.6% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $25.1억 | $30.4억 | -17.4% | $23.8억 | $37억 | -35.6% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $345억2025-12-31 | $348억 | -0.7% | $345억 | $348억 | -0.7% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $141억2025-12-31 | $156억 | -10.0% | $141억 | $156억 | -10.0% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $208억2025-12-31 | $142억 | +46.1% | $208억 | $142억 | +46.1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $5.31억2025-12-31 | $8.73억 | -39.2% | $5.31억 | $8.73억 | -39.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $192억 | $316억 | -39.2% | $221억 | $251억 | -12.2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $23.9억 | $29.7억 | -19.6% | $23.6억 | $35.3억 | -33.1% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $161억 | $140억 | +15.0% | $6.44억 | $245억 | -97.4% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $1.09억 | $5000만 | +118.0% | $500만 | $1.47억 | -96.6% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $327억2025-12-31 | $318억 | +2.9% | $327억 | $318억 | +2.9% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $140억2025-12-31 | $153억 | -8.3% | $140억 | $153억 | -8.3% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $208억2025-12-31 | $141억 | +48.1% | $208억 | $141억 | +48.1% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $5.28억2025-12-31 | $8.7억 | -39.3% | $5.28억 | $8.7억 | -39.3% |
| Debt Securities, Available-for-sale, Gain (Loss) | -$700만2025-12-31 | -$200만 | -250.0% | -$900만 | -$5억 | +98.2% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Amortized Cost | $387억 | $366억 | +5.6% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after 10 Years, Fair Value | $367억 | $342억 | +7.2% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Amortized Cost | $50.2억 | $161억 | -68.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after Five Through Ten Years, Fair Value | $49.5억 | $159억 | -68.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Amortized Cost | $285억 | $160억 | +77.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling after One Through Five Years, Fair Value | $284억 | $160억 | +77.7% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Amortized Cost | $10.2억 | $10.5억 | -2.8% | – | – | – |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Rolling within One Year, Fair Value | $10.2억 | $10.4억 | -2.5% | – | – | – |
| Debt Securities, Available-for-sale, Realized Gain | $0 | $0 | – | $3200만 | $200만 | +1,500.0% |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | -$1.39억 | $0 | – | -$900만 | -$5억 | +98.2% |
| Debt Securities, Available-for-sale, Realized Loss | $1.39억 | $0 | – | $4100만 | $5.02억 | -91.8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $353억 | $456억 | -22.5% | $227억 | $496억 | -54.2% |
출처: SEC companyfacts(모든 10-Q / 10-K의 XBRL). 현금흐름 분기 수치는 10-Q에 태그된 누적 수치에서 산출합니다. 부문별 내역은 차원(dimension)과 함께 태그되므로 부문 섹션에 따로 표시됩니다.
출처
재무제표, 부문 매출, 지표, 추정치: Financial Modeling Prep. 부문별 이익과 전체 보고 항목: SEC EDGAR(XBRL). 참조한 제출 서류: 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
데이터 기준일 2026-11-01