The PNC Financial Services Group, Inc. (PNC) Stock Analysis 2026

Financial ServicesBanks - Regional
$231.83
as of 2026-10-29
+20.6% (52-week)50D MA $249.21  |  200D MA $223.51

BriMind AI Score

Proprietary
54
Neutral
Price CAGR
12.0%
1Y Return
+20.4%
Analyst Upside
+23.7%
Rev Growth
23.6%

Score based on historical price CAGR, revenue growth, analyst upside, and valuation factors. Updated daily.

AI scores and price targets are for informational and educational purposes only. They do not constitute financial advice or a recommendation to buy or sell any security. Past performance is not indicative of future results. Always conduct your own research before making investment decisions. Full Disclaimer →

PNC Revenue & Profitability Breakdown

This chart shows how PNC's revenue flows through to profit. As a financial-sector company, PNC doesn't report a traditional cost-of-revenue/gross-margin split, so the cascade starts from operating expenses and works down to net income — the actual profit shareholders own. A high net margin indicates efficient expense control and capital allocation.

Revenue
$24.32B
Operating Expenses & Cost of Revenue
-$14.91B
Operating Income
$9.41B38.7% margin
Tax & Other
-$1.78B
Net Income
$7.63B31.4% margin
Operating Margin
38.7%
Net Margin
31.4%

Key Financial Metrics

The PNC Financial Services Group, Inc. trades at a trailing P/E of 13.33x, hasn't disclosed meaningful free cash flow, hasn't disclosed a debt/equity ratio, and converts shareholder equity into profit at a 12.6% return on equity. For context: P/E ratio measures how much you pay for $1 of earnings (lower = cheaper, but fast-growing companies command higher P/E); Free Cash Flow is the cash left after running the business; Debt/Equity shows how leveraged a company is; Return on Equity shows how efficiently it turns shareholder capital into profit.

Market Cap
$96.63B
Enterprise Value
$128.66B
P/E (Trailing)
13.33
P/E (Forward)
11.34
PEG Ratio
1.90
Price / Sales
3.36
Price / Book
1.40
Revenue
$24.32B
Revenue Growth
23.6%
Earnings Growth
24.9%
Gross Margin
0.0%
Operating Margin
38.7%
Net Margin
31.4%
Return on Equity
12.6%
Return on Assets
1.3%
Total Cash
$10.89B
Total Debt
$63.10B
Beta
0.90
Dividend Yield
3.3%
Payout Ratio
37.4%
Insider Ownership
0.3%
Inst. Ownership
85.8%
Short % Float
1.5%
Book Value / Share
$145.51

Wall Street Analyst Consensus

20 analysts covering The PNC Financial Services Group, Inc. currently haven't converged on a clear consensus rating, with a mean 12-month price target of $277.73 (+19.8% vs the current price). Analysts set these targets after researching a company's earnings, competitive position, and industry trends — Strong Buy / Buy means the majority expect meaningful upside, while Hold means fair value near the current price rather than a sell signal.

Low Target$162.00-30.1%
Mean Target$277.73+19.8% upside
High Target$235.00+1.4%

Technical Price Signals

PNC is currently in a short-term downtrend, trading below its 50-day average of $249.21 and above its 200-day average of $223.51. Moving averages smooth out day-to-day volatility to reveal the underlying trend — a Golden Cross (50MA crosses above 200MA) is a classic bullish signal, a Death Cross is bearish, though both are lagging indicators that confirm trends rather than predict them.

Current Price
$231.83
50-Day MA
$249.21
▼ Price below
200-Day MA
$223.51
▲ Price above
Short-term Downtrend
Below 50-day MA — caution
Read the full PNC in-depth report
Seven-method valuation, AI Score, blended price target, and a 5-year Monte Carlo simulation for PNC.

Compare PNC with Peers

USB vs PNCUS Bancorp vs PNC Financial — Which Regional Bank Is Be
CMA vs PNCComerica vs PNC Financial — Regional Bank Pair Compared
PNC vs TFCPNC Financial vs Truist Financial — Two Regional Bankin

Further Reading

Research and guides that put PNC’s numbers in context — how to read the filings behind them, and the frameworks we use to score them.

Market TheoryStock Market Seasonality: Monthly Returns, 'Sell in May,' and What History SaysMarket TheoryWe Backtested 929 Insider Cluster Buys — The Signal Everyone Trusts Loses to the S&P 500Fundamentals58% of Insider Selling Is Noise — How to Find the Part That MattersMarket TheoryThe Stock-Split Pop Is a Myth: What 39 Real Splits Actually Did

More Financial Services Stock Analysis

In-depth reports on companies operating alongside PNC — business models, bull and bear cases, and the metrics that matter.

BWFGBankwell Financial Group, Inc.Banks - RegionalMTBM&T Bank CorporationBanks - RegionalCVBFCVB Financial Corp.Banks - RegionalCFGCitizens Financial Group, Inc.Banks - RegionalRFRegions Financial CorporationBanks - RegionalPCBPCB BancorpBanks - RegionalNUNu Holdings Ltd.Banks - RegionalBKUBankUnited, Inc.Banks - Regional

Unlock the Full PNC Analysis

Interactive price charts, real-time AI signals, advanced DCF models, portfolio tracking, earnings analysis, and side-by-side peer comparisons. Start your 14-day free trial — no credit card required.

Start Free TrialBrowse All Stocks
Data sources: Financial metrics and market data sourced from company SEC filings, earnings releases, and investor relations disclosures. Price data, analyst consensus targets, and fundamental financials provided by financial market data providers. ETF data sourced from official fund prospectuses and index provider publications. AI scores and price targets are proprietary estimates — see our Methodology and Disclaimer for details.
← Back to Home · Browse All Stock Analysis