PNC金融服务集团 PNC
$225.38 −$1.37 (-0.60%)
休市 · Nov 6, 8:20 pm ET · 最新盘后价 $225.38 0.00%
开盘$224.81
昨收$226.75
当日区间$224.36 – $228.21
成交量1.59M
市值$89.43B
市盈率（TTM）12.0
股息率3.15%
基本面
最新报告季度：Q3, ended Sep 2026
营收$6.54B+10.9% YoY
净利润$2.10B+15.1% YoY
摊薄每股收益$4.97+14.3% YoY
自由现金流$2.15B+45.1% YoY
经营现金流$2.15B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率30.0%
净资产收益率12.5%
资产收益率1.3%
负债/资产比率90.1%
现金及投资$30.43B
总负债$79.76B
净现金（净负债）-$49.33B
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 报告营业总收入 | $6.56B | $6.88B | $6.17B | $23.10B | $6.07B |
| 营业总收入 | $6.54B | $6.44B | $6.16B | $23.08B | $6.07B |
| 净利息收入 | $4.21B | $4.11B | $3.96B | $14.41B | $3.73B |
| -利息收入 | $7.00B | $6.69B | $6.44B | $25.31B | $6.38B |
| -利息支出 | $2.80B | $2.59B | $2.48B | $10.90B | $2.65B |
| 非利息收入 | $2.34B | $2.33B | $2.20B | $8.67B | $2.34B |
| -手续费及佣金 | $2.14B | $2.28B | $2.08B | $7.93B | $2.12B |
| -其他非利息收入 | $240.00M | $186.00M | $125.00M | $773.00M | $224.00M |
| -资产出售损益 | -$45.00M | -$137.00M | -$8.00M | -$31.00M | -$10.00M |
| 信用损失准备 | -$181.00M | -$193.00M | -$202.00M | -$757.00M | -$136.00M |
| 非利息支出 | $3.75B | $3.98B | $3.67B | $13.94B | $3.71B |
| 物业及设备费用 | $697.00M | $687.00M | $677.00M | $2.57B | $659.00M |
| 销售及管理费用 | $2.14B | $2.38B | $2.19B | $8.16B | $2.13B |
| -销售及营销费用 | $106.00M | $110.00M | $87.00M | $378.00M | $101.00M |
| -管理费用 | $2.03B | $2.27B | $2.11B | $7.78B | $2.03B |
| 其他非利息支出 | $917.00M | $907.00M | $800.00M | $3.21B | $918.00M |
| 其他收入（支出） | $11.00M | $321.00M | -$98.00M | $108.00M | $108.00M |
| 特殊收益（费用） | $11.00M | $321.00M | -$98.00M | $108.00M | $108.00M |
| -减：其他特殊支出 | -$11.00M | -$448.00M | – | -$108.00M | – |
| 税前利润 | $2.62B | $2.59B | $2.19B | $8.49B | $2.33B |
| 税费 | $525.00M | $531.00M | $415.00M | $1.49B | $296.00M |
| 净利润 | $2.10B | $2.06B | $1.77B | $7.00B | $2.03B |
| 持续经营利润 | $2.10B | $2.06B | $1.77B | $7.00B | $2.03B |
| 少数股东权益 | $16.00M | $15.00M | $12.00M | $61.00M | $13.00M |
| 归属母公司净利润 | $2.08B | $2.04B | $1.76B | $6.94B | $2.02B |
| 优先股股息 | $73.00M | $85.00M | $73.00M | $308.00M | $83.00M |
| 其他优先股股息 | $2.00M | $14.00M | $12.00M | $52.00M | $15.00M |
| 归属普通股股东净利润 | $2.01B | $1.94B | $1.68B | $6.58B | $1.92B |
| 基本每股收益 | $4.98 | $4.82 | $4.13 | $16.60 | $4.88 |
| 摊薄每股收益 | $4.97 | $4.81 | $4.13 | $16.59 | $4.88 |
| 每股股息 | $2.00 | $1.70 | $1.70 | $6.60 | $1.70 |
| -减：重组及并购费用 | – | $127.00M | $98.00M | – | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $627.82B | $616.03B | $603.03B | $573.57B | $573.57B |
| 现金、现金等价物及联邦基金出售 | $30.43B | $28.75B | $31.70B | $39.71B | $39.71B |
| -现金及现金等价物 | $30.43B | $28.75B | $31.70B | $39.71B | $39.71B |
| 证券投资 | $146.37B | $149.51B | $143.11B | $138.24B | $138.24B |
| -持有至到期证券 | $79.20B | $70.82B | $64.22B | $59.96B | $59.96B |
| -短期投资 | $67.18B | $8.60B | $9.07B | $10.67B | $10.67B |
| 长期股权投资 | $12.09B | $11.74B | $10.51B | $10.79B | $10.79B |
| 贷款净额 | $366.38B | $364.82B | $357.59B | $321.92B | $321.92B |
| -贷款总额 | $370.92B | $369.48B | $362.26B | $326.25B | $326.25B |
| -贷款及租赁损失准备 | $4.54B | $4.65B | $4.66B | $4.33B | $4.33B |
| 应收款 | $10.63B | – | – | $7.09B | $7.09B |
| -其他应收款 | $10.63B | – | – | $7.09B | $7.09B |
| 商誉及其他无形资产 | $17.37B | $17.12B | $17.10B | $14.62B | $14.62B |
| -商誉 | $13.32B | $13.32B | $13.28B | $10.96B | $10.96B |
| -其他无形资产 | $4.05B | $3.80B | $3.82B | $3.66B | $3.66B |
| 其他资产 | $44.55B | $44.11B | $43.02B | $41.20B | $41.20B |
| 负债合计 | $565.41B | $551.97B | $539.35B | $512.94B | $512.94B |
| 存款合计 | $466.36B | $449.79B | $457.65B | $440.87B | $440.87B |
| 长期债务及融资租赁负债 | $79.76B | $85.72B | $66.67B | $57.10B | $57.10B |
| -长期债务 | $79.76B | $85.72B | $66.67B | $57.10B | $57.10B |
| 非流动负债 | $850.00M | $809.00M | $832.00M | $818.00M | $818.00M |
| 其他负债 | $18.44B | $15.65B | $14.21B | $14.15B | $14.15B |
| 股东权益合计 | $62.41B | $64.06B | $63.68B | $60.64B | $60.64B |
| 股东权益 | $62.35B | $64.01B | $63.63B | $60.59B | $60.59B |
| 股本 | $2.79B | $2.79B | $2.79B | $2.72B | $2.72B |
| -普通股 | $2.79B | $2.79B | $2.79B | $2.72B | $2.72B |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $22.06B | $22.00B | $21.93B | $18.92B | $18.92B |
| 留存收益 | $66.72B | $65.52B | $64.26B | $63.27B | $63.27B |
| 减：库存股 | $22.74B | $22.18B | $21.57B | $20.91B | $20.91B |
| 不影响留存收益的损益 | -$6.47B | -$4.12B | -$3.77B | -$3.41B | -$3.41B |
| 少数股东权益 | $57.00M | $53.00M | $49.00M | $51.00M | $51.00M |
| -可供出售证券 | – | $70.08B | $69.82B | $67.61B | $67.61B |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $2.15B | $1.93B | $4.38B | $757.00M | $2.66B |
| 持续经营经营活动现金流净额 | $2.15B | $1.93B | $4.38B | $757.00M | $2.66B |
| 持续经营净利润 | $2.06B | $1.77B | $7.00B | $2.03B | $1.82B |
| 持续经营损益 | $109.00M | $8.00M | $31.00M | $10.00M | $15.00M |
| 折旧、折耗与摊销 | $107.00M | $66.00M | $381.00M | $108.00M | $101.00M |
| 递延税款 | $254.00M | -$102.00M | -$40.00M | $28.00M | -$10.00M |
| 其他非现金项目 | $125.00M | $480.00M | $708.00M | $329.00M | $253.00M |
| 营运资金变动 | -$773.00M | -$606.00M | -$4.94B | -$1.96B | $229.00M |
| -应付账款及应计费用变动 | $472.00M | -$1.76B | -$1.61B | $479.00M | $306.00M |
| -贷款变动 | -$194.00M | $571.00M | -$1.10B | -$854.00M | $707.00M |
| -其他流动资产变动 | -$759.00M | $474.00M | $1.74B | -$909.00M | $863.00M |
| -Change in Other Working Capital | -$292.00M | $105.00M | -$3.97B | -$673.00M | -$1.65B |
| 投资活动现金流净额 | -$15.06B | -$10.59B | -$15.62B | -$2.11B | -$820.00M |
| 持续经营投资活动现金流净额 | -$15.06B | -$10.59B | -$15.62B | -$2.11B | -$820.00M |
| 业务购买及出售净额 | $0.00 | -$80.00M | – | – | – |
| 投资购置及出售净额 | -$6.84B | $5.07B | $2.74B | $2.89B | $1.31B |
| 贷款净收益 | -$7.02B | -$14.20B | -$16.17B | -$5.17B | -$631.00M |
| 其他投资变动净额 | -$1.44B | -$1.64B | -$2.64B | -$1.14B | -$827.00M |
| 筹资活动现金流 | $9.96B | $644.00M | $4.70B | $2.19B | $6.64B |
| 持续经营筹资活动现金流净额 | $9.96B | $644.00M | $4.70B | $2.19B | $6.64B |
| 联邦基金及回购证券变动 | -$16.00M | -$28.00M | $77.00M | -$19.00M | $132.00M |
| 存款增减 | -$7.85B | -$6.29B | $14.13B | $8.12B | $6.05B |
| Net Issuance Payments of Debt | $19.23B | $8.35B | -$5.30B | -$4.75B | $1.51B |
| 普通股发行净额 | -$614.00M | -$770.00M | -$1.27B | -$397.00M | -$307.00M |
| 已付现金股利 | -$776.00M | -$769.00M | -$2.94B | -$759.00M | -$749.00M |
| 其他筹资活动净额 | -$17.00M | $154.00M | – | – | – |
| 期末现金余额 | $28.75B | $31.70B | $39.71B | $39.71B | $38.87B |
| 现金净变动 | -$2.95B | -$8.01B | -$6.54B | $842.00M | $8.48B |
| 期初现金余额 | $31.70B | $39.71B | $46.25B | $38.87B | $30.39B |
| 自由现金流 | $2.15B | $1.93B | $4.38B | $757.00M | $2.66B |
| 优先股发行净额 | – | – | $0.00 | – | – |
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