Pnc Financial Services Group, Inc. (PNC)
Financials · Diversified Banks · US stock · S&P 500 component
$217.39
▲ +2.45 (1.14%)
Fair valueFair
$223 +2.5% to fair value
$111fair band $134–$312$334
Day's range
$216.11 – $221.10
52-week range
$171.24 – $256.60
About Pnc Financial Services Group, Inc.
Based in Pittsburgh, PNC Financial Services is a diversified bank holding company. Through PNC Bank it offers retail banking to consumers and small businesses, corporate and institutional banking to larger companies, and asset management and wealth services to individuals and institutions. It serves customers through branches, digital banking and commercial relationships in many parts of the United States.
PNC earns money from the interest margin between loans and deposits and from fees for payments, advisory work and asset management. Sales for the last twelve months were $25.0 billion, and growth over the last three years was 3.0% a year. The operating margin is 37.5%, and the business earns a profit of 6% on the capital invested in it. The company pays a dividend with a yield of 3.4%. On the site's X-Ray Score it receives 45 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $171.24 – $256.60Volume 2,426,500Daily, split-adjusted
Vitals
Market cap$87.6B
52-week range$171.24 – $256.60
Volume (last day)2,426,500
P/E (TTM)11.3
EBIT / EV yield6.5%
Free-cash-flow yield–
Dividend yield3.4%
Revenue (TTM)$25.0B
Net income (TTM)$7.7B
Operating margin37.5%
Return on capital6.3%
Debt incl. leases$85.7B
Cash & securities$28.7B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$223
Fair
+2.5% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is High, so the safety margin is 40%.
Price $217
Undervalued < $134Fair $134 – $312Overvalued > $312
Excess-return (bank)
$181
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Fair
52/100
Priced about in line with its sector.
See the numbers →
EBIT / EV yield6.5%
Fair value vs price1.0×
Growth
Weak
36/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)3.0%
EPS growth (3y)6.2%
Growth consistency90%
Profitability
Weak
34/100
Earns lower returns on its capital than most peers.
See the numbers →
Return on invested capital6.3%
Operating margin37.5%
Financial health
Fair
54/100
Balance sheet is in typical shape for its sector.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA5.8×
Interest coverNo interest cost
Dividends
Fair
61/100
Dividend is typical for its sector.
See the numbers →
Dividend yield3.4%
Dividend growth3.3%
Quarterly results: last 6 quarters
+6.0%
Mar '25
+4.6%
Jun '25
+8.9%
Sep '25
+9.1%
Dec '25
+13.1%
Mar '26
+21.4%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $6.9B, diluted EPS $4.81.
Compare with peers
USB Us Bancorp De60 JPM Jpmorgan Chase & Co51 BAC Bank Of America Corp48 WFC Wells Fargo & Company44Other Diversified Banks companies by X-Ray Score.
Fundamentals checklist
● 3 Good · ● 3 Average · ● 5 BadCash quality
Earnings backed by cashBad
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Bad
Revenue growth (3y)Bad
Growth consistencyAverage
Balance sheet
Net debt / EBITDABad
Interest coverGood
Valuation
Fair value vs priceAverage
EBIT / EV yieldAverage
Profitability
Return on invested capitalBad
Operating marginGood
Each check is graded against the company's sector, not a fixed number. Checklist score 40/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $19.2B | $21.1B | $21.5B | $21.6B | $23.1B |
| Operating income | $7.5B | $9.9B | $17.1B | $7.2B | $8.5B |
| Net income | $5.7B | $6.1B | $5.6B | $6.0B | $7.0B |
| Operating cash flow | $7.2B | $9.1B | $10.1B | $7.9B | $4.4B |
| Operating margin | 38.9% | 46.9% | 79.7% | 33.6% | 36.7% |
| Free cash flow | – | – | – | – | – |
| Diluted EPS | $12.70 | $13.85 | $12.79 | $13.74 | $16.59 |
Fiscal years, from SEC filings.
Technical summary
Daily
Strongly bearish
1 bullish · 4 neutral · 11 bearish
Weekly
Bearish
4 bullish · 1 neutral · 7 bearish
Monthly
Bullish
5 bullish · 1 neutral · 2 bearish
Moving averages (daily)
| SMA 10 | 217.2 | Bullish |
| EMA 10 | 217.7 | Bearish |
| SMA 20 | 219.8 | Bearish |
| EMA 20 | 221.0 | Bearish |
| SMA 50 | 233.5 | Bearish |
| EMA 50 | 228.7 | Bearish |
| SMA 100 | 236.0 | Bearish |
| EMA 100 | 229.9 | Bearish |
| SMA 200 | 224.5 | Bearish |
| EMA 200 | 222.7 | Bearish |
Oscillators (daily)
| RSI (14) | 36.54 | Neutral |
| MACD (12, 26) | -4.85 | Bearish |
| Momentum (12) | -1.29 | Bearish |
| Stochastic %K (14) | 63.78 | Neutral |
| Williams %R (14) | -36.22 | Neutral |
| CCI (20) | -34.50 | Neutral |
Pivot points (classic, last session)
S3 210.3 | S2 213.2 | S1 215.3 | Pivot 218.2 | R1 220.3 | R2 223.2 | R3 225.3 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
7.40 USD
Yield on today's price
3.40%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 14 Oct 2026 | 2.0000 |
| 20 Jul 2026 | 2.0000 |
| 14 Apr 2026 | 1.7000 |
| 20 Jan 2026 | 1.7000 |
| 14 Oct 2025 | 1.7000 |
| 15 Jul 2025 | 1.7000 |
| 16 Apr 2025 | 1.6000 |
| 15 Jan 2025 | 1.6000 |
| 16 Oct 2024 | 1.6000 |
| 15 Jul 2024 | 1.6000 |
| 12 Apr 2024 | 1.5500 |
| 12 Jan 2024 | 1.5500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
PNC SEC filings
15 Oct 2026
8-KSEC EDGAR
Regulation FD disclosure
15 Oct 2026
8-KSEC EDGAR
Results of operations
29 Sep 2026
8-KSEC EDGAR
Other events
5 Aug 2026
10-QSEC EDGAR
Quarterly report
21 Jul 2026
8-KSEC EDGAR
Other events
16 Jul 2026
424B5SEC EDGAR
424B5
15 Jul 2026
8-KSEC EDGAR
Regulation FD disclosure
15 Jul 2026
8-KSEC EDGAR
Results of operations
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.