PNC Financial Services (PNC)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$254.00+0.32%
Close 2026-07-07 · 1-day change
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Track PNC free→Intact: The reason to own it still holds.
PNC grew revenue 13% last quarter. Profit margin rose to 2.95%. They raised dividends 18%. Integration of FirstBank is on track with $98M costs.
Integration issues with FirstBank may slow growth. New regulations could raise credit costs. Profit margins could weaken if funding costs rise.
The price is about 7% above our fair value near $238. Analysts expect 9% revenue growth. Our value is 12% below the Street median.
Breaks if: Integration costs rise significantly above $98 million next quarter
Focus on integrating FirstBank operations and managing associated costs.
Standing thesis, reviewed periodically — not a price target or advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Stated in 2 of last 2 quarters. Incurred $98 million in integration costs for FirstBank in 2026-Q1. Revenue increased from $5.45B in 2025-Q1 to $6.17B in 2026-Q1, reflecting integration progress. The trajectory shows ongoing focus on integration with mixed results due to rising expenses.
“Successfully closed the FirstBank acquisition, incurred $98 million in integration costs.”
“FirstBank integration is a key focus following the acquisition.”
Breaks if: Net interest margin falls below 2.84% next quarter
Continue to focus on maintaining a strong net interest margin through strategic initiatives.
Stated in 2 of last 2 quarters. Net interest margin increased from 2.84% in 2025-Q4 to 2.95% in 2026-Q1, driven by lower funding costs and commercial loan growth. The trajectory is delivering on maintaining a strong margin.
“Net interest margin increased to 2.95%, reflecting lower funding costs.”
“Maintained strong net interest margin through strategic initiatives.”
Breaks if: Revenue growth falls below 9% YoY next year