Event-Driven Stocks

PNC FINANCIAL SERVICES GROUP, INC.

PNCNYSE

Financials · National Commercial Banks · PA · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$23.10B$21.55B$21.49B$21.12B$19.21B$16.90B
Operating income——————
Net income$7.00B$5.95B$5.65B$6.11B$5.72B$7.56B
Total assets$573.57B$560.04B$561.58B$557.26B$557.19B$466.68B
Total liabilities$512.94B$505.57B$510.44B$511.45B$501.46B$412.64B
Equity$60.59B$54.42B$51.10B$45.77B$55.70B$54.01B
EPS (diluted)$16.59$13.74$12.79$13.85$12.70$16.96
Shares out.395.7M397.8M399.7M418.5M424.0M428.7M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
30.3%
Return on equity
11.5%
Return on assets
1.2%
Return on capital (ROCE)
—
Liabilities / assets
89.4%
Debt / equity
8.47×
Book value / share
$153.09
Revenue growth (YoY)
7.2%
Net income growth (YoY)
17.5%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
0.5%clean
Piotroski F-Score
6/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
70
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 67Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 warning● 3 good
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20266.9M4.3+0.3%
Apr 30, 20266.9M3.4-1.2%
Apr 15, 20267.0M2.8+8.1%
Mar 31, 20266.4M2.4+10.9%
Mar 13, 20265.8M2.0-15.3%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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