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PNC FINANCIAL SERVICES GROUP, INC. (PNC) Annual Reports

Q: Where can I read PNC FINANCIAL SERVICES GROUP, INC. (PNC) annual reports?

Every year on this page links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser. 3 filings are currently indexed.

Q: What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer; a 20-F is filed by foreign private issuers (Taiwanese companies with US ADRs, such as TSMC, file 20-F). A 40-F applies to Canadian issuers under the MJDS.

PNC FINANCIAL SERVICES GROUP, INC. is listed on NYSE, classified by the SEC under National Commercial Banks (SIC 6021). This page indexes 3 annual reports, each linking to the full text on the SEC's EDGAR system.

Company profile

Exchange： NYSE
Fiscal year end： 12/31
SEC CIK： 713676 →

Website：Official site ↗

Financial Highlights

FY2026 Q2 (quarterly, ended 2026-06-30)
	Current	Prior year	YoY
Revenue	$6.9B	$5.7B	+21.4%
Net income	$2.0B	$1.6B	+25.4%
EPS (diluted)	$4.81	$3.85	+24.9%

Source: SEC EDGAR (XBRL company facts)

Financial history

Revenue & profit

Quarterly · In bn (USD)

Revenue 6.88 bn Net income 2.04 bn

Show table：Income statement

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Revenue	3.69	3.99	4.05	4.32	3.76	3.91	3.60	11.4	3.63	3.60	3.54	3.55	3.73	3.62	4.09	4.07	3.96	4.06	3.92	4.07	3.78	3.81	3.84	3.95	3.73	3.87	3.78	3.85	3.67	3.79	3.83	3.87	3.88	4.06	4.13	4.26	4.11	4.32	4.36	4.34	4.29	4.22	4.24	5.31	4.52	4.08	4.28	4.21	4.22	4.67	5.20	5.13	4.69	5.12	5.55	5.76	5.60	5.29	5.23	5.36	5.15	5.41	5.43	5.57	5.45	5.66	5.92	6.07	6.17	6.88
Net income	0.53	0.21	0.47	1.41	0.67	0.8	1.10	2.73	0.83	0.91	0.83	0.49	0.81	0.55	0.93	0.72	0.93	1.12	1.04	1.06	0.99	1.05	1.04	1.06	1.00	1.04	1.07	1.02	0.94	0.99	1.01	1.05	1.07	1.10	1.13	2.09	1.24	1.36	1.40	1.35	1.27	1.37	1.39	1.38	0.92	3.66	1.53	1.46	1.83	1.10	1.49	1.31	1.43	1.50	1.64	1.55	1.69	1.50	1.57	0.88	1.34	1.48	1.51	1.63	1.50	1.63	1.82	2.03	1.77	2.04

Balance sheet

Quarterly · In bn (USD)

Total assets 616 bn Total liabilities 552 bn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Total assets	—	280	271	270	265	262	260	264	259	263	269	271	296	300	301	305	301	304	309	320	323	327	334	345	351	354	362	358	361	361	369	366	371	372	375	381	379	381	380	382	393	406	409	410	445	459	462	467	474	554	554	557	541	541	559	557	562	558	557	562	566	557	565	560	555	559	569	574	603	616
Total liabilities	—	250	240	237	236	231	227	231	226	228	232	234	258	259	259	263	259	262	266	276	279	281	288	299	305	308	316	313	315	315	323	320	325	326	329	333	332	334	333	335	344	356	359	361	396	406	409	413	421	500	497	501	492	493	513	511	513	509	508	510	515	504	509	506	498	501	510	513	539	552
Equity	—	27.3	28.9	29.9	26.8	28.4	30.0	30.2	31.1	32.2	34.2	34.0	35.0	37.0	38.7	39.0	39.7	40.3	41.1	42.4	43.3	44.2	44.5	44.5	45.0	44.5	45.0	44.7	45.1	45.6	45.7	45.7	45.8	46.1	46.4	47.5	47.0	46.9	47.1	47.7	48.5	49.3	49.4	49.3	49.3	52.9	53.3	54.0	53.9	54.6	56.3	55.7	49.2	47.6	46.7	45.8	49.0	49.3	49.5	51.1	51.3	52.6	55.7	54.4	56.4	57.6	59.0	60.6	63.6	64.0

Cash flow

Quarterly · In bn (USD)

Operating 2.15 bn Investing -15.1 bn Financing 9.96 bn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Operating	0.87	1.35	2.53	3.22	2.27	4.27	2.17	2.54	0.73	3.71	3.86	1.45	2.78	1.04	1.81	1.20	1.02	0.78	4.10	-0.34	1.92	1.55	1.11	0.98	0.24	1.39	1.97	1.90	0.28	0.49	1.53	1.21	1.59	0.63	2.61	0.75	2.92	1.62	1.16	2.14	1.40	2.24	0.6	3.12	-0.7	3.03	0.39	1.94	0.78	1.42	1.53	3.49	-0.99	2.63	3.39	4.05	1.88	3.26	0.12	4.86	1.76	1.03	3.29	1.80	-0.51	1.48	2.66	0.76	1.93	2.15
Investing	0.82	7.71	12.3	-2.86	5.62	9.28	4.83	-0.34	5.11	3.23	-8.84	-2.82	-7.11	-4.13	-0.39	-5.63	3.38	-4.02	-7.19	-11.1	-2.98	-3.30	-8.26	-10.3	-3.89	-4.60	-5.05	-2.73	-0.91	0.82	-7.51	0.3	-5.62	0.85	-4.85	-5.28	-1.25	-1.21	0.81	-2.31	-6.02	-11.5	-3.24	-4.26	-23.4	-17.9	-3.14	-6.74	-6.07	9.02	3.31	-9.06	12.7	-1.69	-21.7	-2.75	-5.71	2.31	1.69	-4.66	-6.36	-0.22	-3.78	7.14	-0.98	-11.7	-0.82	-2.11	-10.6	-15.1
Financing	-2.59	-9.74	-15.9	0.5	-8.61	-14.3	-6.83	-2.92	-5.75	-6.37	5.57	1.50	4.39	3.07	-1.27	5.36	-5.67	3.35	3.94	10.6	1.75	1.92	6.43	9.57	3.44	3.47	2.50	1.03	0.43	-0.97	6.32	-1.15	4.15	-1.44	1.94	5.04	-2.27	0.37	-2.15	0.54	4.08	9.57	2.89	0.54	26.5	13.7	3.04	5.20	5.73	-9.17	-4.72	4.72	-12.2	0.07	16.3	-0.8	2.73	-5.31	-2.69	1.42	3.62	-11.3	2.40	-3.87	-6.36	2.22	6.64	2.19	0.64	9.96
Cash at period end	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.25	—	—	—	5.61	5.06	5.42	5.67	5.06	7.49	6.34	6.63	7.02	7.46	8.72	8.84	8.00	7.57	8.58	6.55	7.04	5.94	6.19	5.30	6.92	5.93	39.3	41.2	46.3	38.4	30.4	38.9	39.7	31.7	28.8

Profitability

Quarterly · %

Net margin 29.7%

Gross, operating and net margin = the respective profit ÷ revenue.

Show table：Profitability

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
Net margin	14.4%	5.2%	11.5%	32.6%	17.8%	20.5%	30.7%	23.9%	22.9%	25.3%	23.5%	13.9%	21.7%	15.1%	22.6%	17.7%	23.5%	27.6%	26.5%	26.1%	26.3%	27.6%	27.0%	26.8%	26.9%	27.0%	28.4%	26.5%	25.7%	26.1%	26.3%	27.0%	27.6%	27.0%	27.3%	49.1%	30.1%	31.4%	32.1%	31.1%	29.6%	32.6%	32.8%	26.0%	20.3%	89.7%	35.8%	34.6%	43.3%	23.6%	28.7%	25.5%	30.5%	29.2%	29.6%	26.9%	30.2%	28.3%	30.0%	16.5%	26.1%	27.3%	27.7%	29.2%	27.5%	28.7%	30.8%	33.5%	28.7%	29.7%

Returns & leverage

Quarterly · %

ROE 12.6% ROA 1.3% Debt ratio 89.6%

ROE / ROA = trailing four-quarter net income ÷ average equity / total assets (annual mode: the year’s net income ÷ average of opening and closing). Not computed when the denominator is zero or negative.

Show table：Returns & leverage

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
ROE	—	—	—	8.7%	10.3%	12.0%	13.5%	17.6%	18.9%	18.4%	16.5%	9.6%	9.2%	7.8%	7.6%	8.2%	8.3%	9.6%	9.5%	10.2%	10.2%	9.8%	9.7%	9.5%	9.4%	9.3%	9.3%	9.3%	9.1%	8.9%	8.7%	8.8%	9.1%	9.2%	9.4%	11.6%	12.0%	12.5%	13.0%	11.2%	11.3%	11.2%	11.2%	11.2%	10.3%	14.4%	14.6%	14.6%	16.4%	11.0%	10.7%	10.4%	10.3%	11.2%	11.4%	12.1%	13.0%	13.2%	13.1%	11.7%	10.6%	10.3%	9.9%	11.3%	11.3%	11.3%	11.5%	12.1%	12.1%	12.6%
ROA	—	—	—	1.0%	1.0%	1.2%	1.5%	2.0%	2.1%	2.1%	2.0%	1.1%	1.1%	0.9%	1.0%	1.0%	1.1%	1.2%	1.3%	1.3%	1.4%	1.3%	1.3%	1.2%	1.2%	1.2%	1.2%	1.2%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.2%	1.4%	1.5%	1.5%	1.6%	1.4%	1.4%	1.4%	1.4%	1.4%	1.2%	1.7%	1.7%	1.7%	1.8%	1.2%	1.2%	1.1%	1.1%	1.0%	1.1%	1.1%	1.2%	1.2%	1.1%	1.0%	0.9%	0.9%	0.9%	1.1%	1.1%	1.1%	1.2%	1.2%	1.3%	1.3%
Debt ratio	—	89.5%	88.3%	87.9%	88.9%	88.2%	87.4%	87.6%	87.0%	86.8%	86.2%	86.3%	87.1%	86.6%	86.1%	86.3%	86.0%	86.2%	86.1%	86.2%	86.1%	86.0%	86.3%	86.7%	86.8%	87.0%	87.2%	87.2%	87.2%	87.1%	87.3%	87.2%	87.6%	87.6%	87.6%	87.5%	87.6%	87.7%	87.6%	87.5%	87.6%	87.8%	87.9%	88.0%	88.9%	88.5%	88.5%	88.4%	88.6%	90.1%	89.8%	90.0%	90.9%	91.2%	91.7%	91.8%	91.3%	91.2%	91.1%	90.9%	90.9%	90.5%	90.1%	90.3%	89.8%	89.7%	89.6%	89.4%	89.4%	89.6%

EPS

Quarterly · US$

EPS US$4.81

Show table：EPS

Item	2009Q1	2009Q2	2009Q3	2009Q4	2010Q1	2010Q2	2010Q3	2010Q4	2011Q1	2011Q2	2011Q3	2011Q4	2012Q1	2012Q2	2012Q3	2012Q4	2013Q1	2013Q2	2013Q3	2013Q4	2014Q1	2014Q2	2014Q3	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2016Q3	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	2026Q1	2026Q2
EPS（US$）	1.03	0.14	1.00	2.19	0.66	1.47	2.07	5.08	1.57	1.67	1.55	0.85	1.44	0.98	1.64	1.24	1.76	1.99	1.79	1.84	1.82	1.85	1.79	1.85	1.75	1.88	1.90	1.87	1.68	1.82	1.84	1.97	1.96	2.10	2.16	4.15	2.43	2.72	2.82	2.75	2.61	2.88	2.94	2.97	1.95	8.40	3.39	3.26	4.10	2.43	3.30	2.87	3.23	3.39	3.78	3.46	3.98	3.36	3.60	1.85	3.10	3.39	3.49	3.76	3.51	3.85	4.35	4.87	4.13	4.81

Revenue & profit

Year-to-date · In bn (USD)

Revenue 13.0 bn Net income 3.81 bn

Year-to-date = summed from the first quarter of the fiscal year; balance-sheet items are period-end balances.

Balance sheet

Year-to-date · In bn (USD)

Total assets 616 bn Total liabilities 552 bn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Cash flow

Year-to-date · In bn (USD)

Operating 4.08 bn Investing -25.6 bn Financing 10.6 bn

Positive = cash in, negative = cash out.

Profitability

Year-to-date · %

Net margin 29.2%

Gross, operating and net margin = the respective profit ÷ revenue.

Returns & leverage

Year-to-date · %

ROE 12.6% ROA 1.3% Debt ratio 89.6%

EPS

Year-to-date · US$

EPS US$8.94

Revenue & profit

Annual · In bn (USD)

Revenue 23.1 bn Net income 6.98 bn

Annual = sum of four quarters of a complete fiscal year (incomplete years are omitted); balance-sheet items are year-end balances.

Show table：Income statement

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	16.0	22.7	14.3	15.5	16.0	15.4	15.2	15.2	16.3	17.1	18.1	17.1	19.2	21.1	21.5	21.6	23.1
Net income	2.62	5.30	3.07	3.00	4.15	4.14	4.14	3.99	5.39	5.35	5.42	7.56	5.73	6.11	5.65	5.95	6.98

Balance sheet

Annual · In bn (USD)

Total assets 574 bn Total liabilities 513 bn

Equity = assets − liabilities. Balance-sheet figures are period-end balances, not cumulative.

Show table：Balance sheet

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total assets	270	264	271	305	320	345	358	366	381	382	410	467	557	557	562	560	574
Total liabilities	237	231	234	263	276	299	313	320	333	335	361	413	501	511	510	506	513
Equity	29.9	30.2	34.0	39.0	42.4	44.5	44.7	45.7	47.5	47.7	49.3	54.0	55.7	45.8	51.1	54.4	60.6

Cash flow

Annual · In bn (USD)

Operating 4.38 bn Investing -15.6 bn Financing 4.70 bn

Positive = cash in, negative = cash out.

Show table：Cash flow statement

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Operating	7.97	11.2	9.74	6.83	5.56	5.56	5.50	3.50	5.58	7.84	7.36	4.66	7.21	9.08	10.1	7.88	4.38
Investing	18.0	19.4	-3.32	-17.3	-18.9	-24.9	-16.3	-7.31	-14.9	-3.97	-25.0	-51.1	-2.79	-13.4	-6.38	-3.23	-15.6
Financing	-27.7	-32.6	-5.05	11.6	12.2	19.6	10.4	4.62	9.69	-3.51	17.1	48.4	-3.43	3.38	-3.85	-9.12	4.70
Cash at period end	—	—	—	—	—	—	—	—	5.25	5.61	5.06	7.02	8.00	7.04	6.92	46.3	39.7

Profitability

Annual · %

Net margin 30.2%

Gross, operating and net margin = the respective profit ÷ revenue.

Show table：Profitability

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Net margin	16.3%	23.4%	21.4%	19.4%	25.9%	26.9%	27.2%	26.3%	33.0%	31.2%	30.0%	44.3%	29.8%	28.9%	26.3%	27.6%	30.2%

Returns & leverage

Annual · %

ROE 12.1% ROA 1.2% Debt ratio 89.4%

Show table：Returns & leverage

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
ROE	8.7%	17.6%	9.6%	8.2%	10.2%	9.5%	9.3%	8.8%	11.6%	11.2%	11.2%	14.6%	10.4%	12.1%	11.7%	11.3%	12.1%
ROA	1.0%	2.0%	1.1%	1.0%	1.3%	1.2%	1.2%	1.1%	1.4%	1.4%	1.4%	1.7%	1.1%	1.1%	1.0%	1.1%	1.2%
Debt ratio	87.9%	87.6%	86.3%	86.3%	86.2%	86.7%	87.2%	87.2%	87.5%	87.5%	88.0%	88.4%	90.0%	91.8%	90.9%	90.3%	89.4%

EPS

Annual · US$

EPS US$16.58

Show table：EPS

Item	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
EPS（US$）	4.36	9.28	5.64	5.30	7.38	7.31	7.40	7.31	10.37	10.72	11.40	17.00	12.70	13.86	12.79	13.74	16.58

Source: SEC EDGAR (XBRL company facts)

Annual reports by year

	10-K
2025	Open full text →
2024	Open full text →
2023	Open full text →

10-K: annual report of a US domestic issuer. Filings are the original documents hosted on SEC EDGAR — this site neither mirrors nor edits them.

FAQ

Where can I read PNC FINANCIAL SERVICES GROUP, INC. (PNC) annual reports?

Every year in the table above links straight to the full text on SEC EDGAR. US annual reports are web pages (HTML) rather than PDFs, so you can read and search them in the browser without downloading anything. 3 filings are currently indexed.

What is the difference between a 10-K and a 20-F?

A 10-K is the annual report of a US domestic issuer, with sections fixed by law: Item 1 Business, Item 1A Risk Factors, Item 7 Management's Discussion and Analysis. A 20-F is filed by foreign private issuers — Taiwanese companies with US ADRs, such as TSMC, file 20-F rather than 10-K. A 40-F applies to Canadian issuers under the MJDS.

Are earnings call materials available here?

No. Earnings calls are not SEC filings, so US pages on this site cover annual reports only. Taiwan has a mandatory investor-conference disclosure regime, and those materials are indexed under Annual Reports.

Source: US Securities and Exchange Commission (SEC) EDGAR. This site indexes public filings and links to them; it hosts no copies, offers no investment advice, and makes no warranty as to timeliness or completeness.
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