PNC The PNC Financial Services Group, Inc. - Fundamental Analysis
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PNC Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$223.18
Analyst Target
$236.12
+5.8%
Upside
52W High
$227.0
52W Low
$145.12
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 17, 2026
Market cap
$87.7B
P/E
14.42
ROE
11.5%
Profit margin
29.9%
Debt/Equity
N/A
Dividend yield
3.16%
AI Analysis
AI-powered fundamental assessment
Confidence
72%
The PNC Financial Services Group exhibits weak financial health according to the Piotroski F-Score of 3/9, signaling significant concerns in profitability, leverage, and operating efficiency. Despite this, the company demonstrates strong earnings momentum with 24.6% YoY earnings growth, consistent earnings beats over the last four quarters, and a solid 3.16% dividend yield with a sustainable payout ratio. Valuation metrics suggest the stock is reasonably priced relative to peers, trading below the sector’s average P/E of 24.39, though insider selling and lack of Altman Z-Score data introduce caution. The current price of $223.18 is near the Graham Number of $217.38, implying limited margin of safety, while the higher intrinsic value estimate of $456.66 may reflect optimistic growth assumptions not yet supported by balance sheet strength.
Key Strengths
Strong year-over-year earnings growth of 24.6% and consistent quarterly earnings beats (4/4 in last 4 quarters)
Attractive dividend yield of 3.16% with a sustainable 41.99% payout ratio
Trading at a discount to sector average P/E (14.42 vs 24.39), offering relative value
High operating margin of 39.79%, indicating strong cost control and pricing power
Positive long-term price performance with 70.2% return over 5 years
Key Risks
Weak Piotroski F-Score of 3/9, indicating poor financial health and potential operational deterioration
No Altman Z-Score available, creating uncertainty around bankruptcy risk assessment
Insider selling activity over the past 6 months totaling $0.60M, signaling lack of confidence from executives
Low ROA of 1.16%, suggesting inefficient use of assets to generate profit
Technical trend score of 10/100 indicates strong bearish momentum in the short term
AI Fair Value Estimate
Based on comprehensive analysis
$220.0
-1.4% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
63
Strong
70
75
60
30
78
AI Verdict
Neutral with upside potential if financial health improves
Key drivers: Earnings growth and valuation support upside, Weak Piotroski score and insider selling cap near-term gains, Dividend stability provides floor
Confidence
75%
Value
70/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 14.42 below sector average of 24.39
- Forward P/E of 11.26 suggests earnings expansion priced in
- Current price near Graham Number ($217.38), offering margin of safety
Watchpoints
- Gross Margin listed as 0.00%, likely data error but raises red flag
- Price/Sales of 4.02 is high for a regional bank
Future
75/100
Ref Growth rates
Positives
- 24.6% YoY earnings growth
- 21.3% Q/Q earnings growth
- Analyst target price of $236.12 implies 5.8% upside
Watchpoints
- PEG Ratio not available, limiting growth-adjusted valuation
Past
60/100
Ref Historical trends
Positives
- Consistent revenue and earnings growth trend over recent years
- 5-year return of +70.2% outperforms many peers
Watchpoints
- Earnings volatility evident in past surprises (e.g., -344.7% in Q2 2020)
- Only 13 out of 25 quarters beat estimates, indicating inconsistent performance
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 11.49% is stable for a regional bank
- No debt/equity or liquidity ratios provided, but no distress signals reported
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Altman Z-Score not available, creating analytical gap
- ROA of 1.16% is low for the sector
Dividend
78/100
Ref Yield, Payout
Positives
- Dividend yield of 3.16% is above sector average
- Payout ratio of 41.99% is sustainable
- Dividend Strength score of 50/100 indicates moderate reliability
Watchpoints
- No 5-year average yield data to assess consistency
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$223.18
Analyst Target
$236.12
Upside/Downside
+5.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PNC and closest competitors.
Updated 2026-01-16
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PNC
The PNC Financial Services Group, Inc.
Primary
|
+70.2% | +54.3% | +16.8% | +14.6% | +6.1% | +2.6% |
|
MCO
Moody's Corporation
Peer
|
+81.5% | +64.7% | +0.2% | -1.8% | +0.2% | -1.7% |
|
ICE
Intercontinental Exchange, Inc.
Peer
|
+62.6% | +50.6% | -1.7% | -13.2% | -3.4% | +2.1% |
|
MMC
Marsh & McLennan Companies, Inc.
Peer
|
+70.2% | +16.8% | -16.1% | -20.3% | -10.3% | +1.5% |
|
BCS
Barclays PLC
Peer
|
+313.1% | +229.8% | +82.1% | +34.6% | +2.2% | +0.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.42
Forward P/E
11.26
PEG Ratio
N/A
P/B Ratio
1.65
P/S Ratio
4.02
EV/Revenue
6.5
EV/EBITDA
N/A
Market Cap
$87.7B
Profitability
Profit margins and return metrics
Profit Margin
29.94%
Operating Margin
39.79%
Gross Margin
N/A
ROE
11.49%
ROA
1.16%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.8%
Earnings Growth
+24.6%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+21.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$31.76
Quarterly Earnings History
EPS performance vs analyst estimates
2025-10-15
$4.35
+7.6% surprise
2025-07-16
$3.85
+8.0% surprise
2025-04-15
$3.51
+3.7% surprise
2025-01-16
$3.64
+9.8% surprise
Financial Services Sector Comparison
Comparing PNC against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
14.42
This Stock
vs
30.35
Sector Avg
-52.5%
(Discount)
Return on Equity (ROE)
11.49%
This Stock
vs
-7.62%
Sector Avg
-250.7%
(Below Avg)
Profit Margin
29.94%
This Stock
vs
82.74%
Sector Avg
-63.8%
(Weaker)
Revenue Growth
10.8%
This Stock
vs
28.4%
Sector Avg
-62.0%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PNC
The PNC Financial Services...
|
NEUTRAL | $87.7B | 14.42 | 11.5% | 29.9% | $223.18 | |
|
MCO
Moody's Corporation
|
BULLISH | $87.55B | 38.61 | 54.9% | 29.9% | $479.48 | |
|
ICE
Intercontinental Exchange, Inc.
|
BULLISH | $87.07B | 27.7 | 11.5% | 32.4% | $152.07 | |
|
MMC
Marsh & McLennan Companies, Inc.
|
NEUTRAL | $90.07B | 21.92 | 28.7% | 15.6% | $182.81 | |
|
BCS
Barclays PLC
|
BEARISH | $90.49B | 12.02 | 9.4% | 26.6% | $26.2 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-05 | CESTELLO LOUIS ROBERT | Officer | Gift | 255 | - |
| 2025-11-04 | THOMAS MICHAEL DUANE | Officer | Sale | 1,000 | $183,573 |
| 2025-10-24 | DEBORAH GUILD | Officer | Sale | 1,080 | $201,928 |
| 2025-10-24 | DEBORAH GUILD | Officer | Gift | 39 | - |
| 2025-09-11 | OVERSTROM ALEXANDER E. C. | Officer | Sale | 1,000 | $203,330 |
| 2025-09-11 | JUCHNO STACY M | Officer | Gift | 995 | - |
| 2025-08-27 | MEDLER LINDA R. | Director | Sale | 71 | $14,594 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
21 analysts
TD Cowen
2026-01-07
Buy
Buy
Barclays
2026-01-05
Overweight
Overweight
Truist Securities
2025-12-18
Hold
Hold
Keefe, Bruyette & Woods
2025-12-17
Market Perform
Market Perform
Oppenheimer
2025-11-19
Outperform
Outperform
Oppenheimer
2025-10-16
Outperform
Outperform
Piper Sandler
2025-10-09
Neutral
Overweight
UBS
2025-10-07
Buy
Buy
Wells Fargo
2025-10-03
Overweight
Overweight
Evercore ISI Group
2025-09-30
Outperform
Outperform
Past News Coverage
Recent headlines mentioning PNC from our newsroom.
Newest → oldest
No matching news yet.