PNC FINANCIAL STATEMENTS

PNC Financial Services Group Inc — balance sheet, income statement and cash flow trends

PNCPNC Financial Services Group Inc

🇺🇸 USA · US · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue32.1 B $-4.1%

Gross Profit23 B $+13.8%

Operating Income8.8 B $+18.8%

EBITDA9.2 B $+18.6%

Net Income7.2 B $+19.5%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
PNC	—	—	—	22.5%
CABK	—	—	—	30.6%
BNP	—	—	—	15.0%
DBK	—	—	—	11.8%
GLE	—	—	—	13.2%
ACA	—	—	—	5.6%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity63.6 B $11%
Current Liabilities524.3 B $87%
Long-term Liabilities15 B $2%

Key Figures

YoY change

Total Assets603 B $+8.7%

Total Liabilities539.4 B $+8.2%

Total Equity63.6 B $+12.8%

Cash & ST Investments185.3 B $+281.7%

Total Debt66.7 B $+9.8%

Net Debt35 B $+56.6%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
PNC	0.36	104.8%	-12.92	10.6%
CABK	0.10	136.6%	0.41	5.5%
BNP	—	—	—	4.4%
DBK	0.42	179.0%	-23.09	5.3%
GLE	0.24	229.8%	0.55	4.4%
ACA	—	—	—	3.3%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
PNC	0.36	104.8%	-12.92	10.6%
USB	0.40	120.4%	-13.10	9.4%
TFC	0.16	107.6%	9.02	11.7%
FITB	3.17	58.8%	4.73	11.5%
MTB	0.32	68.0%	-8.69	13.0%
HBAN	20.08	72.1%	-4.37	11.4%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow6.8 B $+21.5%

Capital Expenditures0 $—

Free Cash Flow6.8 B $+21.5%

Dividends Paid-3 B $-203.7%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
PNC	21.3%	21.3%	0.0%	94.5%
CABK	—	—	0.0%	—
BNP	49.9%	47.2%	2.7%	332.4%
DBK	121.4%	—	1.1%	1,026.9%
GLE	-80.5%	-96.8%	16.3%	-608.5%
ACA	10.0%	9.4%	0.6%	179.6%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
PNC	21.3%	21.3%	0.0%	94.5%
USB	22.1%	22.1%	0.0%	122.8%
TFC	18.6%	18.6%	0.0%	102.6%
FITB	15.9%	14.5%	6.1%	100.1%
MTB	27.3%	26.3%	1.9%	115.3%
HBAN	18.0%	16.6%	3.0%	108.5%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
PNC	—	—	—	22.5%
USB	—	—	—	18.0%
TFC	—	—	—	18.1%
FITB	—	—	—	15.9%
MTB	—	—	—	23.7%
HBAN	—	—	—	16.6%
Industry median	—	67.2%	20.4%	20.6%