---
title: PNC Financial (PNC) — bank health card
canonical: https://sweetvaluelab.com/tools/banks/pnc
ticker: PNC
tier: Super regional
as_of: 2026-10-16
---
# PNC Financial (PNC) — bank health

PNC Financial, Super regional, trades at 1.94× tangible book against a 17.6% return on tangible common equity, a 7% discount to the return-driven theory line. Prices as of Oct 16, 2026; trailing-twelve-month figures through Sep 30, 2026.

## The card

| Figure | PNC | Super regional average (4) |
| --- | ---: | ---: |
| Price | $217.39 |  |
| P/TBV | 1.94× |  |
| Tangible book per share | $112.19 |  |
| P/E | 11.6 |  |
| EPS (TTM) | $18.79 |  |
| Dividend per share (TTM) | $7.40 |  |
| Dividend yield | 3.4% |  |
| Payout | 39.4% |  |
| ROTCE | 17.6% | 14.7% |
| ROA | 1.26% |  |
| Efficiency ratio | 58.6% | 62.7% |
| Net interest income share | 63.5% | 66.7% |
| Credit cost | 2.86% | 5.70% |
| AOCI / TCE | -14.4% | -16.9% |
| CET1 | 9.9% |  |
| CET1 requirement | 7.0% |  |
| Total assets | $627.8B |  |
| Leverage (assets / TCE) | 14.0× |  |
| P/TBV at 9% / 10% / 11% ROTCE (theory) | 2.43× / 2.08× / 1.82× |  |

## Lights

No light is on.

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Source: https://sweetvaluelab.com/tools/banks/pnc (SweetValueLab, free, no account). Quarterly statements from Financial Modeling Prep, closes from the daily price cache; the engine's rules are on the board page. Research and educational data, not investment advice; nothing here is a recommendation to buy, sell or hold any security.