PNC Financial Services

Financials Diversified Banks Pittsburgh, Pennsylvania Last filing Feb 20, 2026 · FY2025

                    Revenue
                    FY2025
                
$25.3B
                    3y CAGR +17.9%
                    
                    P67
                    
                    -4.1%
                    
                    Net income
                    FY2025
                
$7.0B
                    Net margin +27.6%
                    
                    P67
                    
                    +17.5%
                    
                    Total assets
                    FY2025
                
$573.6B
                    ROA +1.2%
                    
                    P29
                    
                    +2.4%
                    
                    Operating cash flow
                    FY2025
                
$4.4B
                    
                    -44.4%

19 yrs · FY2007–FY2025 8 filed · 0 derived · 1 blank

1Y 3Y 5Y 10Y

Dollars % of revenue % of assets YoY % CAGR

Each cell as a share of that year’s total assets.

Balance Sheet

Assets, liabilities, and equity

19 accounts · 5 years

Total assets $573.6B

Total liabilities $512.9B

Shareholders equity $60.6B

Account	2025	2024	2023	2022	2021
Assets
Cash and Cash Equivalents	6.9%	8.3%	9.0%	6.2%	14.8%
Investment Securities	24.1%	25.0%	23.6%	25.0%	23.9%
Loans net	57.0%	55.7%	56.4%	57.7%	50.9%
Goodwill	1.9%	2.0%	1.9%	2.0%	2.0%
Other Assets	10.0%	9.1%	9.0%	9.2%	8.5%
Total Assets	100.0%	100.0%	100.0%	100.0%	100.0%
Liabilities
Deposits	76.9%	76.2%	75.0%	78.3%	82.1%
Long Term Debt	10.0%	11.0%	13.0%	4.1%	5.0%
Other Liabilities	2.6%	3.1%	2.9%	3.6%	3.0%
Total Liabilities	89.4%	90.3%	90.9%	91.8%	90.0%
Equity
Total Stockholders Equity	10.6%	9.7%	9.1%	8.2%	10.0%
Common Stock	0.5%	0.5%	0.5%	0.5%	0.5%
Retained Earnings	11.0%	10.6%	10.0%	9.6%	9.0%
Accumulated Other Comprehensive Income	-0.6%	-1.2%	-1.4%	-1.8%	0.1%
Preferred Stock	0.0%	0.0%	—	—	—
Additional Paid In Capital	3.3%	3.3%	3.4%	3.3%	3.1%
Treasury Stock	3.6%	3.5%	3.4%	3.4%	2.7%
Noncontrolling Interest	0.0%	0.0%	0.0%	0.0%	0.0%
Total Liabilitiesand Equity	100.0%	100.0%	100.0%	100.0%	100.0%

Income Statement

Revenue, expense, and profitability

11 accounts · 5 years

Revenue $25.3B

Operating income Not reported

Net income $7.0B

Account	2025	2024	2023	2022	2021
IncomeStatement
Interest Income Total Interest Income	4.4%	4.7%	4.3%	2.8%	2.0%
Interest Expense Interest Expense	1.9%	2.3%	1.9%	0.4%	0.1%
net Interest Income net Interest Income	2.5%	2.4%	2.5%	2.3%	1.9%
Noninterest Income Total Noninterest Income	1.5%	1.4%	1.3%	1.5%	1.5%
Expenses Noninterest Expense	2.4%	2.4%	2.5%	2.4%	2.3%
Income Tax Income Tax Expense	0.3%	0.2%	0.2%	0.2%	0.2%
net Income Other Items Below Tax	-0.1%	-0.1%	-0.1%	-0.1%	—
net Income net Income	1.2%	1.1%	1.0%	1.1%	—
Earnings Per Share Diluted Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Basic Eps	0.0%	0.0%	0.0%	0.0%	0.0%
Earnings Per Share Weighted Average Shares Diluted	0.1%	0.1%	0.1%	0.1%	0.1%

Cash Flow Statement

Operating, investing, and financing flows

11 accounts · 5 years

Operating cash flow $4.4B

Investing cash flow $-15.6B

Financing cash flow $4.7B

Account	2025	2024	2023	2022	2021
CashFlow
Operating Activities net Cash From Operating Activities	0.8%	1.4%	1.8%	1.6%	1.3%
Operating Activities net Income	1.2%	1.1%	1.0%	1.1%	1.0%
Operating Activities Depreciation and Amortization	0.1%	0.0%	0.0%	0.1%	0.3%
Operating Activities Other Non Cash Items	-0.5%	0.3%	0.8%	0.4%	-0.1%
Investing Activities net Cash From Investing Activities	-2.7%	-0.6%	1.8%	-10.8%	-0.5%
Investing Activities Other Investing Activities	-2.7%	-0.6%	1.8%	-10.8%	-0.5%
Financing Activities net Cash From Financing Activities	0.8%	-1.6%	-0.7%	0.6%	-0.6%
Financing Activities Dividends Paid	-0.5%	-0.5%	-0.5%	-0.5%	-0.4%
Financing Activities Repurchase of Common Stock	-0.2%	-0.1%	-0.1%	-0.7%	-0.2%
Financing Activities Other Financing Activities	1.6%	-1.0%	-0.1%	1.8%	-0.0%
Cash Reconciliation net Change In Cash	-1.1%	-0.8%	2.9%	-8.6%	0.2%

Key Ratios

Margins, returns, liquidity, leverage, efficiency

Computed at import · 5 years

Ratio	2025	2024	2023	2022	2021
Profitability
Gross margin	—	—	—	—	—
Operating margin	—	—	—	—	—
Net margin	+27.6%	+22.6%	+23.2%	+39.6%	—
FCF margin	—	—	—	—	—
Growth
Revenue CAGR (3y)	+17.9%	+33.3%	+29.1%	+3.9%	-4.0%
Returns
ROE	+11.5%	+10.9%	+11.0%	+13.4%	—
ROA	+1.2%	+1.1%	+1.0%	+1.1%	—
ROIC	—	—	—	—	—
Liquidity
Current ratio	—	—	—	—	—
Quick ratio	—	—	—	—	—
Leverage
D/E	8.47x	9.29x	9.99x	11.17x	9.00x
Interest coverage	—	—	—	—	—
Efficiency
Asset turnover	0.04x	0.05x	0.04x	0.03x	0.02x
Cash conversion cycle	—	—	—	—	—

Valuation

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PNC Financial Services

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