PNC Financial Services Group Balance Sheet Health
Financial Health criteria checks 6/6
PNC Financial Services Group has total assets of $554.7B and total equity of $56.5B. Total deposits are $422.9B, and total loans are $314.3B. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $10.9B.
Key information
9.8x
Asset to equity ratio
2.7%
Net interest margin
| Total deposits | US$422.92b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$10.89b |
Recent financial health updates
No updates
Recent updates
PNC Financial Q1: 2025 Guidance Reaffirmed; Stock Undervalued
Apr 19PNC Financial: A Smart Deposit After 21% Drop
Mar 15PNC Financial Services: Not Worth Buying Right Now
Jan 20PNC Financial: A Stable Dividend Grower Struggling With Loan Growth And Loan Losses
Jan 07PNC Financial: A Balanced Approach Calls For A Hold Rating
Dec 18The PNC Power Play: Strong Dividends, Smart Moves, And Room To Run
Oct 10PNC Financial: Interest Rate Cuts Could Increase Lending
Sep 09PNC Financial: Undramatic, Undervalued, And Underrated
Jun 26Dissecting PNC Financial: What This Super-Regional Bank Tells Us About The Economy
Apr 18PNC Financial: Nothing Spectacular But Valuation Is Modest
Feb 07One Of The Best - Why PNC Financial Is Such A Great Regional Bank
Jan 31PNC Financial: Margin Squeeze Offset By Dividend Income Potential (Ratings Downgrade)
Dec 15PNC Financial: Fully Valued With Buybacks 2+ Years Away
Nov 13PNC Financial Will Be Back, But Needs Lower Rates First
Oct 17PNC Financial: One Of The Best Regional Banks Money Can Buy
Oct 09PNC Financial: Upgrade To Strong Buy, Near 5% Dividend Yield
Sep 14Seeking Value With PNC Financial Services Group
Sep 01Is PNC Stock A Buy Following Q2 Earnings? Deposit Resiliency Keeps Shares Attractive
Jul 19PNC Financial: Buy This 5% Yielding Blue-Chip Bargain Before Everyone Else Does
Jul 13PNC Financial: Now A Value Stock With A 4.9% Yield
Jun 23PNC Financial: An Attractive Looking Compounder
Jun 15Big Banks Have Massive Exposure: A Review Of PNC Bank
May 25Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PNC's Assets to Equity ratio (9.8x) is low.
Allowance for Bad Loans: PNC has a sufficient allowance for bad loans (198%).
Low Risk Liabilities: 85% of PNC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PNC has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: PNC's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: PNC has an appropriate level of bad loans (0.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/05/07 21:35 |
| End of Day Share Price | 2025/05/07 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
The PNC Financial Services Group, Inc. is covered by 57 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| Christopher Wheeler | Atlantic Equities LLP |
| David George | Baird |