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70.63 (1y: +14%)
Market Cap 37.55 B P/E(ttm) 12.50
Enterprise Value 71.36 B P/B 1.00
PNC- NYSE (USA)
PNC Financial Services Group Inc
  • Currently 1/5
Business Predictability Rank: 1-Star (On Watch)
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$70.63
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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry		 vs
history
Cash to Debt 0.245
PNC's Cash to Debt is ranked lower than
141443% of the 707 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.34 vs. PNC: 0.245 )
PNC' s 10-Year Cash to Debt Range
Min: 0.1   Max: 0.45
Current: 0.25
0.1
0.45
Equity to Asset 0.092
PNC's Equity to Asset is ranked lower than
113379% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PNC: 0.092 )
PNC' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.09
Current: 0.09
0.02
0.09
Interest Coverage No Debt
PNC's Interest Coverage is ranked lower than
113379% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. PNC: No Debt )
PNC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.39
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry		 vs
history
Operating margin (%) 25.40
PNC's Operating margin (%) is ranked lower than
139082% of the 719 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.90 vs. PNC: 25.40 )
PNC' s 10-Year Operating margin (%) Range
Min: 12.4   Max: 46.7
Current: 25.4
12.4
46.7
Net-margin (%) 19.4
PNC's Net-margin (%) is ranked lower than
126103% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.60 vs. PNC: 19.4 )
PNC' s 10-Year Net-margin (%) Range
Min: 7.7   Max: 30.3
Current: 19.4
7.7
30.3
ROE (%) 7.7
PNC's ROE (%) is ranked lower than
129032% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PNC: 7.7 )
PNC' s 10-Year ROE (%) Range
Min: 3.5   Max: 24.1
Current: 7.7
3.5
24.1
ROA (%) 1
PNC's ROA (%) is ranked lower than
130208% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PNC: 1 )
PNC' s 10-Year ROA (%) Range
Min: 0.3   Max: 2.5
Current: 1
0.3
2.5
ROC (Joel Greenblatt) (%) 40.70
PNC's ROC (Joel Greenblatt) (%) is ranked lower than
290697% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 84.50 vs. PNC: 40.70 )
PNC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 40.7   Max: 89.9
Current: 40.7
40.7
89.9
Revenue Growth (%) -4.8
PNC's Revenue Growth (%) is ranked lower than
290697% of the 344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.40 vs. PNC: -4.8 )
PNC' s 10-Year Revenue Growth (%) Range
Min: -4.8   Max: 11.5
Current: -4.8
-4.8
11.5
EBITDA Growth (%) -5.2
PNC's EBITDA Growth (%) is ranked lower than
300300% of the 333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.00 vs. PNC: -5.2 )
PNC' s 10-Year EBITDA Growth (%) Range
Min: -13.5   Max: 24.9
Current: -5.2
-13.5
24.9
EPS Growth (%) 5
PNC's EPS Growth (%) is ranked lower than
302115% of the 331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.00 vs. PNC: 5 )
PNC' s 10-Year EPS Growth (%) Range
Min: -15.9   Max: 35.2
Current: 5
-15.9
35.2
» PNC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

PNC Guru Trades in Q2 2012

Jeremy Grantham 133,700 sh (+471.37%)
Diamond Hill Capital 2,984,427 sh (+5.99%)
Mario Gabelli 549,109 sh (+3.49%)
Pioneer Investments 3,613,615 sh (+0.79%)
Chris Davis 3,655 sh (unchged)
Brian Rogers 3,295,000 sh (unchged)
Andreas Halvorsen Sold Out
Ray Dalio Sold Out
Julian Robertson Sold Out
Ken Fisher 5,937,340 sh (-0.64%)
Dodge & Cox 30,600 sh (-3.16%)
James Barrow 19,534,027 sh (-3.39%)
Steven Cohen 22,469 sh (-3.68%)
Richard Snow 918,268 sh (-12.22%)
Richard Pzena 1,947,766 sh (-12.61%)
David Dreman 257,949 sh (-21.46%)
Arnold Schneider 115,315 sh (-25.2%)
Charles Brandes 1,227,745 sh (-25.95%)
Tom Russo 26,967 sh (-28.6%)
HOTCHKIS & WILEY 1,842,595 sh (-32.72%)
Bruce Kovner 449,600 sh (-54.08%)
Ronald Muhlenkamp 100,585 sh (-72.54%)
» More
Q3 2012

PNC Guru Trades in Q3 2012

Ray Dalio 14,600 sh (New)
Louis Moore Bacon 225,000 sh (New)
Steven Cohen 40,873 sh (+81.91%)
Pioneer Investments 6,028,055 sh (+66.82%)
Jeremy Grantham 201,100 sh (+50.41%)
Richard Pzena 2,662,283 sh (+36.68%)
Mario Gabelli 578,973 sh (+5.44%)
HOTCHKIS & WILEY 1,926,363 sh (+4.55%)
Chris Davis 3,666 sh (+0.3%)
Brian Rogers 3,295,000 sh (unchged)
Bruce Kovner Sold Out
Ronald Muhlenkamp 100,400 sh (-0.18%)
Dodge & Cox 30,400 sh (-0.65%)
Tom Russo 26,717 sh (-0.93%)
Diamond Hill Capital 2,871,889 sh (-3.77%)
James Barrow 18,462,595 sh (-5.48%)
Richard Snow 842,239 sh (-8.28%)
Charles Brandes 1,109,091 sh (-9.66%)
Arnold Schneider 98,428 sh (-14.64%)
David Dreman 183,057 sh (-29.03%)
Ken Fisher 40,269 sh (-99.32%)
» More
Q4 2012

PNC Guru Trades in Q4 2012

RS Investment Management 293,200 sh (New)
Jim Simons 471,599 sh (New)
Bruce Kovner 75,000 sh (New)
John Buckingham 53,416 sh (New)
George Soros 370,500 sh (New)
Paul Tudor Jones 10,400 sh (New)
Steven Cohen 471,018 sh (+1052.39%)
Ray Dalio 35,000 sh (+139.73%)
Brian Rogers 4,250,000 sh (+28.98%)
Richard Pzena 2,957,966 sh (+11.11%)
James Barrow 19,588,225 sh (+6.1%)
Mario Gabelli 603,420 sh (+4.22%)
Ronald Muhlenkamp 100,400 sh (unchged)
Jeremy Grantham 164,926 sh (unchged)
Chris Davis 3,655 sh (-0.3%)
Tom Russo 26,551 sh (-0.62%)
Dodge & Cox 30,200 sh (-0.66%)
Charles Brandes 1,101,591 sh (-0.68%)
HOTCHKIS & WILEY 1,873,250 sh (-2.76%)
Diamond Hill Capital 2,560,165 sh (-10.85%)
Pioneer Investments 5,041,343 sh (-16.37%)
Arnold Schneider 64,083 sh (-34.89%)
Ken Fisher 19,826 sh (-50.77%)
David Dreman 37,027 sh (-79.77%)
Louis Moore Bacon 25,000 sh (-88.89%)
Richard Snow 48,407 sh (-94.25%)
» More
Q1 2013

PNC Guru Trades in Q1 2013

Mario Gabelli 968,313 sh (+60.47%)
Brian Rogers 5,000,000 sh (+17.65%)
Richard Pzena 3,465,810 sh (+17.17%)
James Barrow 20,429,078 sh (+4.29%)
Richard Snow 49,862 sh (+3.01%)
John Buckingham 54,729 sh (+2.46%)
Ronald Muhlenkamp 102,365 sh (+1.96%)
David Dreman 37,442 sh (+1.12%)
Tom Russo 26,551 sh (unchged)
Dodge & Cox 30,200 sh (unchged)
Jim Simons Sold Out
Chris Davis Sold Out
Paul Tudor Jones Sold Out
Bruce Kovner Sold Out
Louis Moore Bacon Sold Out
George Soros Sold Out
RS Investment Management 290,600 sh (-0.89%)
HOTCHKIS & WILEY 1,829,386 sh (-2.34%)
Diamond Hill Capital 2,497,319 sh (-2.45%)
Pioneer Investments 4,916,544 sh (-2.48%)
Charles Brandes 1,059,879 sh (-3.79%)
Jeremy Grantham 137,826 sh (-16.43%)
Ken Fisher 11,982 sh (-39.56%)
Arnold Schneider 16,833 sh (-73.73%)
Ray Dalio 7,300 sh (-79.14%)
Steven Cohen 511 sh (-99.89%)
» More
» Details

Insider Trades

Latest Guru Trades with PNC

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2013-03-31 Sold Out 0.26%$58.31 - $66.8 $ 70.9412%0
Mario Gabelli 2013-03-31 Add 60.47%0.15%$58.31 - $66.8 $ 70.9412%968313
Ray Dalio 2013-03-31 Reduce -79.14%0.02%$58.31 - $66.8 $ 70.9412%7300
George Soros 2012-12-31 New Buy0.26%$53.69 - $64.95 $ 70.9422%370500
David Dreman 2012-12-31 Reduce -79.77%0.23%$53.69 - $64.95 $ 70.9422%37027
James Barrow 2012-12-31 Add 6.1%0.13%$53.69 - $64.95 $ 70.9422%19588225
Ray Dalio 2012-12-31 Add 139.73%0.01%$53.69 - $64.95 $ 70.9422%35000
David Dreman 2012-09-30 Reduce -29.03%0.11%$57.36 - $66.77 $ 70.9415%183057
Ray Dalio 2012-09-30 New Buy0.01%$57.36 - $66.77 $ 70.9415%14600
Julian Robertson 2012-06-30 Sold Out 3.6%$56.25 - $66.99 $ 70.9414%0
Ronald Muhlenkamp 2012-06-30 Reduce -72.54%3.12%$56.25 - $66.99 $ 70.9414%100585
Charles Brandes 2012-06-30 Reduce -25.95%0.24%$56.25 - $66.99 $ 70.9414%1227745
David Dreman 2012-06-30 Reduce -21.46%0.09%$56.25 - $66.99 $ 70.9414%257949
Ray Dalio 2012-06-30 Sold Out 0.01%$56.25 - $66.99 $ 70.9414%0
Premium More recent guru trades are included for Premium Members only!!

Preferred stocks of PNC Financial Services Group Inc

SymbolPriceYieldDescription
PNCYL100.530.00

Ratios

vs
industry		 vs
history
P/E(ttm) 12.50
PNC's P/E(ttm) is ranked lower than
62% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. PNC: 12.50 )
PNC' s 10-Year P/E(ttm) Range
Min: 6.32   Max: 50
Current: 12.5
6.32
50
P/B 1.00
PNC's P/B is ranked lower than
56% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PNC: 1.00 )
PNC' s 10-Year P/B Range
Min: 0.31   Max: 3.29
Current: 1
0.31
3.29
P/S 2.40
PNC's P/S is ranked lower than
55% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. PNC: 2.40 )
PNC' s 10-Year P/S Range
Min: 0.77   Max: 4.2
Current: 2.4
0.77
4.2
PFCF 37.00
PNC's PFCF is ranked lower than
71% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. PNC: 37.00 )
PNC' s 10-Year PFCF Range
Min: 0.87   Max: 37.24
Current: 37
0.87
37.24
EV-to-EBIT 16.7
PNC's EV-to-EBIT is ranked lower than
52% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. PNC: 16.7 )
PNC' s 10-Year EV-to-EBIT Range
Min: 6.5   Max: 56.9
Current: 16.7
6.5
56.9
PEG 1.1
PNC's PEG is ranked lower than
173% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PNC: 1.1 )
PNC' s 10-Year PEG Range
Min: 0.31   Max: 11.81
Current: 1.1
0.31
11.81
Shiller P/E 14.3
PNC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. PNC: 14.3 )
PNC' s 10-Year Shiller P/E Range
Min: 3.73   Max: 18.09
Current: 14.3
3.73
18.09

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 2.30
PNC's Dividend Yield is ranked higher than
66% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. PNC: 2.30 )
PNC' s 10-Year Dividend Yield Range
Min: 0.57   Max: 14.26
Current: 2.3
0.57
14.26
Dividend Payout 0.2816
PNC's Dividend Payout is ranked lower than
86% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. PNC: 0.2816 )
PNC' s 10-Year Dividend Payout Range
Min: 0.06   Max: 1.5
Current: 0.28
0.06
1.5
Dividend growth (3y) 12.7
PNC's Dividend growth (3y) is ranked higher than
94% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. PNC: 12.7 )
PNC' s 10-Year Dividend growth (3y) Range
Min: -36.4   Max: 12.7
Current: 12.7
-36.4
12.7
Yield on cost (5-Year) 1.49
PNC's Yield on cost (5-Year) is ranked higher than
55% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. PNC: 1.49 )
PNC' s 10-Year Yield on cost (5-Year) Range
Min: 0.37   Max: 9.25
Current: 1.49
0.37
9.25
Share Buyback Rate -3.8
PNC's Share Buyback Rate is ranked lower than
70% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. PNC: -3.8 )
PNC' s 10-Year Share Buyback Rate Range
Min: 1.3   Max: -11.6
Current: -3.8

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.3
PNC's Price/Tangible Book is ranked lower than
62% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PNC: 1.3 )
PNC' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 5.1
Current: 1.3
1.1
5.1
Price/DCF (Projected) 0.5
PNC's Price/DCF (Projected) is ranked lower than
98% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. PNC: 0.5 )
PNC' s 10-Year Price/DCF (Projected) Range
Min: 0.4   Max: 1
Current: 0.5
0.4
1
Price/Median PS Value 0.9
PNC's Price/Median PS Value is ranked lower than
58% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. PNC: 0.9 )
PNC' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.6
Current: 0.9
0.6
1.6
Price/Peter Lynch Fair Value 1
PNC's Price/Peter Lynch Fair Value is ranked lower than
282% of the 175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PNC: 1 )
PNC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.3   Max: 3.9
Current: 1
0.3
3.9
Price/Graham Number 0.9
PNC's Price/Graham Number is ranked lower than
65% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PNC: 0.9 )
PNC' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 3
Current: 0.9
0.7
3
Earnings Yield (Greenblatt) 6.00
PNC's Earnings Yield (Greenblatt) is ranked higher than
57% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. PNC: 6.00 )
PNC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.8   Max: 15.3
Current: 6
1.8
15.3
Forward Rate of Return (Yacktman) 24.78
PNC's Forward Rate of Return (Yacktman) is ranked higher than
83% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. PNC: 24.78 )
PNC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.5   Max: 32.5
Current: 24.78
-6.5
32.5

Business Description

PNC Financial Services Group Inc or PNC was incorporated under the laws of the Commonwealth of Pennsylvania in 1983 with the consolidation of Pittsburgh National Corporation and Provident National Corporation. The Company is engaged in retail banking, corporate and institutional banking, asset management, residential mortgage banking and global investment servicing, providing many of its products and services nationally and others in its main geographic markets located in Pennsylvania, Ohio, New Jersey, Michigan, Maryland, Illinois, Indiana, Kentucky, Florida, Missouri, Virginia, Delaware, Washington, D.C., and Wisconsin. It also provides product and services internationally. Its six reportable business segments are Retail Banking, Corporate & Institutional Banking, Asset Management Group, Residential Mortgage Banking, BlackRock, and Non-Strategic Assets Portfolio. Retail Banking provides deposit, lending, brokerage, investment management, and cash management services to consumer and small business customers within its primary geographic markets. Corporate & Institutional Banking provides lending, treasury management, and capital markets-related products and services to mid-sized corporations, government and not-for-profit entities, and selectively to large corporations. Lending products include secured and unsecured loans, letters of credit and equipment leases. Treasury management services include cash and investment management, receivables management, disbursement services, funds transfer services, information reporting, and global trade services. Asset Management Group includes personal wealth management for high net worth and ultra high net worth clients and institutional asset management. Wealth management products and services include financial and retirement planning, customized investment management, private banking, tailored credit solutions and trust management and administration for individuals and their families. Institutional asset management provides investment management, custody, and retirement planning services. The institutional clients include corporations, unions, municipalities, non-profits, foundations and endowments located primarily in its geographic footprint. Residential Mortgage Banking directly originates primarily first lien residential mortgage loans on a nationwide basis with a significant presence within the retail banking footprint, and also originates loans through majority owned affiliates. Mortgage loans represent loans collateralized by one-to-four-family residential real estate. These loans are typically underwritten to government agency and/or third-party standards, and sold, servicing retained, to secondary mortgage conduits FNMA, FHLMC, Federal Home Loan Banks and third-party investors, or are securitized and issued under the GNMA program. BlackRock is engaged in investment management, risk management and advisory services for institutional and retail clients worldwide. BlackRock provides
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PB, CFR, MWG
Traded in other countries:PNP.Germany, PNCYL.USA
» More Articles for PNC

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