PNC Financial Services Group Inc (PNC)
Fair ValueFundamental
69
Price
$224.46
Market Cap
$88.92B
Part 1 · What the company is worth
Overview
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated with artificial intelligence on September 19, 2026, shared with all users
A super-regional of comparable scale whose branch network and commercial banking business overlap directly with PNC across the Mid-Atlantic and the Southeast, the region PNC entered with its BBVA USA acquisition.
Competes for the same Midwest retail and small-business deposit base and for middle-market commercial lending in core PNC markets such as Ohio, Kentucky and Indiana.
A regional bank built on the same mix of consumer branch banking, commercial lending and wealth management, competing head-on with PNC in Pennsylvania, Ohio and the Northeast.
Overlaps with PNC across Pennsylvania, Ohio and the Great Lakes for retail deposits and competes for the same middle-market commercial and corporate banking relationships.
Direct rival for consumer checking accounts, small-business lending and commercial banking in the Ohio and Great Lakes markets that form part of PNC's core branch footprint.
The closest peer in size and model: a diversified super-regional bank competing with PNC for the same retail deposit customers, middle-market commercial borrowers and treasury-management mandates across an overlapping Midwest footprint.
Balance Sheet & Liquidity
Revenue
$25.03B
Trailing 12 months (through 6/30/2026)
Net Income
$7.68B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$60.59B
Total Liabilities
$512.94B
Current Ratio
-
Interest Coverage
0.61
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$223.52
Current Price
$224.46
Margin of Safety
-0.4%
Fair Value Range
$181.84 - $265.19
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
12.35
ROE
11.5%
P/B Ratio
1.40
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
11.4%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- EPS CAGR 7.76%
- Price CAGR 6.32%
- P/B ratio 1.40
- Operating margin 37.5%
- Low reliance on intangibles
- Price below Graham Number
- ROE 12.6%
- Revenue growth 5Y 7.4%
- Earnings surprise, average 5.8%
- Earnings quality (operating cash flow / net income) 0.97
- Share dilution -2.7%
- Net margin trend 30.7% vs 28.3%
- Piotroski F-Score 6/9
Failed (4)
- Debt/equity ratio
- Interest coverage
- Return on tangible assets
- DCF valuation (Unknown)
Unavailable (9)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Debt/EBITDA
- PEG ratio (needs P/E > 0 and growth > 0)
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
Moderate: some gap between profits and cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. William S. Demchak | Chairman & CEO | 63 |
| Mr. Mark Kenneth Wiedman J.D. | President | 54 |
| Mr. Robert Q. Reilly | Executive VP & CFO | 60 |
| Ms. Deborah Guild | Executive VP & Head of Technology | 56 |
| Mr. Alexander E. C. Overstrom | Executive VP & Head of Retail Banking | 41 |
| Ms. Laura L. Long J.D. | Executive VP, General Counsel & Chief Administrative Officer | 52 |
| Mr. Bryan K. Gill | EVP, Director of Investor Relations | - |
| Ms. Amanda Rosseter Schab | Executive VP, Chief Communications & Brand Officer | 56 |
| Ms. Jenn Garbach | Chief Marketing Officer | - |
| Ms. Vicki C. Henn | Executive VP & Chief Human Resources Officer | 56 |
Audit Risk
3
Board Risk
6
Compensation Risk
2
Shareholder Rights Risk
5
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-20
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-23
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much PNC moves, measured on its daily prices.
More volatile than 3% of the tracked stocks (90-day volatility).
- Volatility 30d
- 19.0%
- Volatility 90d
- 17.9%
- Beta vs S&P 500 (1y)
- 0.54Correlation 0.33
- Max drawdown (12m)
- -17.2%
- ATR (14d, % of price)
- 2.01%
Earnings reactions
How PNC moved around its past quarterly results.
Next earnings release
Jan 15, 2027 · In 83 days · Before the open
EPS estimate: 5.10Revenue estimate: $6.8B
What usually happens
- Over the last 12 releases the stock moved a median of 1.4% the next day, up or down.
- Next-day moves: up 8, down 4 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 1.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 15, 2026 | Before the open | 4.98 | 4.97 | -0.2% | -3.4% | -0.4% | +3.3% |
| Jul 15, 2026 | During the session | 4.46 | 4.81 | +7.9% | -0.1% | +0.9% | -0.6% |
| Apr 15, 2026 | During the session | 4.10 | 4.13 | +0.8% | +0.8% | +0.4% | +3.1% |
| Jan 16, 2026 | During the session | 4.26 | 4.88 | +14.6% | +4.6% | +3.8% | +2.0% |
| Oct 15, 2025 | During the session | 4.09 | 4.35 | +6.4% | -3.1% | -3.9% | -4.1% |
| Jul 16, 2025 | During the session | n/a | n/a | n/a | +2.5% | +0.9% | +2.4% |
| Apr 15, 2025 | During the session | n/a | n/a | n/a | -1.8% | 0.0% | -0.6% |
| Jan 16, 2025 | During the session | n/a | n/a | n/a | -7.5% | -1.9% | -1.4% |
| Oct 15, 2024 | During the session | n/a | n/a | n/a | +1.1% | +2.0% | -1.5% |
| Jul 16, 2024 | During the session | n/a | n/a | n/a | -0.2% | +4.7% | +4.8% |
| Apr 16, 2024 | During the session | n/a | n/a | n/a | -1.6% | -2.0% | +4.3% |
| Jan 16, 2024 | During the session | n/a | n/a | n/a | -0.8% | +0.1% | +0.3% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on PNC and what the price did next.
- 4/16/2026PositivePNC Financial Analysts Boost Their Forecasts After Upbeat Q1 Results
- +1 day
- -1.1%
- +3 days
- +1.0%
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for PNC.
- 4/16/2026NEUTRALPNC CEO on US Consumers, Private Credit and Real Estate
PNC Financial Services Group CEO Bill Demchak stated that he has not yet observed a slowdown in US consumer spending. His remarks, made during an appearance on "Bloomberg The Close," also touched upon current concerns surrounding private credit, the condition of the commercial real estate market, and PNC's strategic growth initiatives. While the commentary offers insights into consumer resilience and market conditions, it does not present immediate data points or forward-looking guidance that would definitively sway investor sentiment in a particular direction.
- 4/16/2026POSITIVEPNC Financial Analysts Boost Their Forecasts After Upbeat Q1 Results
PNC Financial Services Group has reported robust first-quarter earnings that surpassed analyst expectations, prompting a wave of upward revisions to price targets from financial analysts. The company's positive outlook, despite acknowledging potential headwinds from broader economic conditions and market shifts, has been met with increased confidence by the market. This performance suggests resilience and effective strategic execution, which could translate into sustained shareholder value and potentially attract new investment.
- 4/15/2026NEUTRALPNC Reports $7 Billion of Exposure to Private-Credit Providers
PNC Financial Services Group Inc. disclosed an exposure of $7 billion to private-credit providers. This announcement aligns with a broader trend among large banks to increase transparency regarding their involvement in the private credit market, a sector currently under investor scrutiny due to potential spillover risks. While the disclosure itself is informational, the market will be watching for any signs of distress or contagion within these exposures. For investors, this highlights the interconnectedness of traditional banking and alternative lending, and the importance of monitoring systemic risk.
- 4/13/2026NEUTRALPNC Financial Gears Up For Q1 Print; Here Are The Recent Forecast Changes From Wall Street's Most Accurate Analysts
PNC Financial Services Group (NYSE: PNC) is scheduled to report its first-quarter earnings on April 15th, with analysts projecting an Earnings Per Share (EPS) of $3.93 and revenue of $6.21 billion. While the upcoming earnings report is a significant event for investors, the provided information focuses on the timing and consensus estimates rather than any new developments or performance indicators. Recent analyst ratings from January 2022, including Outperform, Neutral, and Overweight, indicate a mixed but generally stable outlook from Wall Street, without offering a clear directional bias ahead of the earnings release.