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Overview

PNC Financial Services Group, Inc. (NYSE: PNC) — Open Ledger

PNC Financial Services' income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 8-K filings and version-controlled… Ledger notes

Financial position

Net worth and the accounts that make it up

Net Worth
Assets plus liabilities over the last 12 months
62,410 MUSD
+1,774 MUSDfrom previous month
Accounts
Current asset and liability account balances

Money movement

Monthly income and spending by account category

September 2026
Money in
September 2026
+6,562 MUSD
Top sources
Average of up to 3 preceding periods
—
View all
Money out
September 2026
-4,556 MUSD
Top spending
Average of up to 3 preceding periods
—
View all

Recent activity

Posting-aware activity from the journal

Transactions
Newest transactions matching the current dashboard filters

Income vs Expenses

Income vs Expenses
Bar chart comparing total income and expenses for each interval in the selected period.
Period data
PeriodIncomeExpensesNet Profit
2021-12-3119,211 MUSD13,775 MUSD5,436 MUSD
2022-01-310 MUSD0 MUSD0 MUSD
2022-02-280 MUSD0 MUSD0 MUSD
2022-03-310 MUSD0 MUSD0 MUSD
2022-04-300 MUSD0 MUSD0 MUSD
2022-05-310 MUSD0 MUSD0 MUSD
2022-06-300 MUSD0 MUSD0 MUSD
2022-07-310 MUSD0 MUSD0 MUSD
2022-08-310 MUSD0 MUSD0 MUSD
2022-09-300 MUSD0 MUSD0 MUSD
2022-10-310 MUSD0 MUSD0 MUSD
2022-11-300 MUSD0 MUSD0 MUSD
2022-12-3121,120 MUSD15,385 MUSD5,735 MUSD
2023-01-310 MUSD0 MUSD0 MUSD
2023-02-280 MUSD0 MUSD0 MUSD
2023-03-310 MUSD0 MUSD0 MUSD
2023-04-300 MUSD0 MUSD0 MUSD
2023-05-310 MUSD0 MUSD0 MUSD
2023-06-300 MUSD0 MUSD0 MUSD
2023-07-310 MUSD0 MUSD0 MUSD
2023-08-310 MUSD0 MUSD0 MUSD
2023-09-300 MUSD0 MUSD0 MUSD
2023-10-310 MUSD0 MUSD0 MUSD
2023-11-300 MUSD0 MUSD0 MUSD
2023-12-3121,490 MUSD16,337 MUSD5,153 MUSD
2024-01-310 MUSD0 MUSD0 MUSD
2024-02-290 MUSD0 MUSD0 MUSD
2024-03-310 MUSD0 MUSD0 MUSD
2024-04-300 MUSD0 MUSD0 MUSD
2024-05-310 MUSD0 MUSD0 MUSD
2024-06-300 MUSD0 MUSD0 MUSD
2024-07-310 MUSD0 MUSD0 MUSD
2024-08-310 MUSD0 MUSD0 MUSD
2024-09-300 MUSD0 MUSD0 MUSD
2024-10-310 MUSD0 MUSD0 MUSD
2024-11-300 MUSD0 MUSD0 MUSD
2024-12-3121,555 MUSD16,026 MUSD5,529 MUSD
2025-01-310 MUSD0 MUSD0 MUSD
2025-02-280 MUSD0 MUSD0 MUSD
2025-03-310 MUSD0 MUSD0 MUSD
2025-04-300 MUSD0 MUSD0 MUSD
2025-05-310 MUSD0 MUSD0 MUSD
2025-06-300 MUSD0 MUSD0 MUSD
2025-07-310 MUSD0 MUSD0 MUSD
2025-08-310 MUSD0 MUSD0 MUSD
2025-09-300 MUSD0 MUSD0 MUSD
2025-10-310 MUSD0 MUSD0 MUSD
2025-11-300 MUSD0 MUSD0 MUSD
2025-12-3123,099 MUSD16,480 MUSD6,619 MUSD
2026-01-310 MUSD0 MUSD0 MUSD
2026-02-280 MUSD0 MUSD0 MUSD
2026-03-310 MUSD0 MUSD0 MUSD
2026-04-300 MUSD0 MUSD0 MUSD
2026-05-310 MUSD0 MUSD0 MUSD
2026-06-300 MUSD0 MUSD0 MUSD
2026-07-310 MUSD0 MUSD0 MUSD
2026-08-310 MUSD0 MUSD0 MUSD
2026-09-306,562 MUSD4,556 MUSD2,006 MUSD

Balance Sheet

Assets Distribution
Visual representation of PNC Financial Services Group, Inc. (NYSE: PNC) — Open Ledger assets composition
Breakdown
AccountAmountShare of total
Assets:NonCurrent:OtherAssets44,552 MUSD7.1%
Assets:NonCurrent:Loans378,792 MUSD60.33%
Assets:NonCurrent:HTM79,195 MUSD12.61%
Assets:NonCurrent:Goodwill13,317 MUSD2.12%
Assets:NonCurrent:EquityInvestments12,094 MUSD1.93%
Assets:NonCurrent:AFS67,175 MUSD10.7%
Assets:Current:InterestEarningDeposits24,670 MUSD3.93%
Other8,021 MUSD1.28%
Liabilities Distribution
Visual representation of PNC Financial Services Group, Inc. (NYSE: PNC) — Open Ledger liabilities composition
Breakdown
AccountAmountShare of total
Liabilities:Current:SeniorDebt36,310 MUSD6.42%
Liabilities:Current:FHLBAdvances36,512 MUSD6.46%
Liabilities:Current:DepositsNoninterest99,720 MUSD17.64%
Liabilities:Current:DepositsInterest366,642 MUSD64.85%
Liabilities:Current:AccruedExpensesOther18,437 MUSD3.26%
Other7,785 MUSD1.38%

Cash Flow

Cash Flow
Money flow from income sources to expenses and investments

Loading account roles…

README.md

PNC Financial Services Group, Inc. (PNC) Financial Statements in Beancount — Open Ledger

PNC Financial Services' income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 8-K filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/pnc

Latest analysis: PNC Q3 2026: EPS $4.97 (+14.3%) as NII Jumps 15.3%

Key Figures

PeriodPeriod endRevenueNet income
FY20212021-12-3119,2115,436
FY20222022-12-3121,1205,735
FY20232023-12-3121,4905,153
FY20242024-12-3121,5555,529
FY20252025-12-3123,0996,619
FY2026Q32026-09-306,5622,006

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

<One or two sentences: fiscal year end (and 52/53-week rule or fiscal-year change, if any), SEC CIK or home exchange, and the one structural fact a reader needs — a sector-specific account, a restatement, why history starts where it does.>

Quick Start

bash
uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

  • Balance sheet — pad / balance directives assert each period-end
    figure against the filing named in that period file's source banner.
  • Income statement — one zero-sum transaction per period: Income
    negative (credit), Expenses positive (debit), with the arithmetic check in
    a comment directly above it.
  • Unit — MUSD; 6,562 MUSD means 6,562 million US dollars.

Analysis

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of PNC Financial Services Group, Inc.'s publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by PNC Financial Services Group, Inc.; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.