PNC Financial Services Group Inc (PNC) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of PNC Financial Services Group Inc stock $160, price $227, that is 29.5% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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PNC Financial Services Group Inc
PNC · USOur calculation puts a fair price 30% below what the stock costs today.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $97.77 – $254.63 · fair‑value band $139.05 – $218.99 · the $226.75 price screens above the $159.77 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
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.
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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.
Stock analysis
PNC Financial Services Group Inc (PNC) currently trades at $226.75, while our model-based Fair Value estimate is $159.77, 30% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $161.31 per share, and 0 of the 6 models we run sit above the $226.75 price.
Bear case: the Asset-Based group reads lowest at $77.20, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $139.05 (bear) to $218.99 (bull), the price of $226.75 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
PNC Financial Services Group Inc reported revenue of $31.3B in FY2025 versus $19.7B in FY2021, a compound +12.3%/yr. Reported net income was $6.9B in FY2025, compounding +5.1%/yr from FY2021.
Key figures
Market cap $91.6B Large · P/E ratio 12.1 · P/S ratio 3.67 · EPS (TTM) $18.78 · Dividend yield 3.1% · Net margin 31.7% · Return on equity 13.1% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −30%, PNC screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 6 officers or directors sold shares worth $12.2M and none bought.
- SaleStacy M. JuchnoExecutive Vice President3,354 shares at $255.84$858,087Aug 13, 2026
- SaleGuild DeborahExecutive Vice President1,200 shares at $252.20$302,640Jul 22, 2026
- SaleMichael Duane ThomasExecutive Vice President1,500 shares at $238.14$357,210Jun 12, 2026
- SaleAlexander E. C. OverstromExecutive Vice President2× since Feb 18, 2026: 4,000 shares, avg. $231.68$926,730Jun 8, 2026
- SaleStephanie NovoselExecutive Vice President1,800 shares at $228.73$411,714Jun 5, 2026
- SaleAndrew T FeldsteinDirector45,000 shares at $220.57$9.9MMay 26, 2026
- BuyLinda R MedlerDirector20 shares at $200.38$4,008Mar 9, 2026
- SaleWilliam S DemchakCEO, Director50,000 shares at $230.88$11.5MFeb 20, 2026
- SaleLouis Robert CestelloExecutive Vice President4,279 shares at $234.01$1.0MFeb 18, 2026
- SaleRichard Kevin BynumExecutive Vice President7,407 shares at $230.98$1.7MFeb 17, 2026
Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
Growth Forecast
PNC screens overvalued: fair value 30% below the price. Compare with China Merchants Bank Co →
Recent news
- PNC Bank and ADP Announce Embedded Payroll Solution for Small Businesses
- PNC Executive to Speak at BancAnalysts Association of Boston Conference
- Q3 earnings highlights: PNC Financial Services Group (NYSE:PNC) vs the rest of the diversified banks stocks
- PNC Bank Named Most Trusted Bank in Investor's Business Daily 2026 Trust Survey
Compare PNC Financial Services Group Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- PEG screener for stocks with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs PNC |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs PNC |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs PNC |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs PNC |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs PNC |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs PNC |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs PNC |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs PNC |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs PNC |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs PNC |
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Key figures of PNC Financial Services Group Inc
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