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PNC Financial Services Group, I (PNC) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $213.27, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC.

PNC Financial Services Group is one of the largest diversified financial institutions in the U.S., with $573.6 billion in total assets, headquartered in Pittsburgh, PA, providing retail banking, corporate banking, and asset management through a coast-to-coast branch network.... Read more

$213.27+7.6% A.UpsideScore 5.8/10#74 of 142 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield3.18%(5y avg 3.49%)Payout38.93%sustainable
Stop $204.19Target $229.45(analyst − 10%)A.R:R 1.5:1
Analyst target$254.95+19.5%20 analysts
$229.45our TP
$213.27price
$254.95mean
$280

Hold if already holding. Not a fresh buy at $213.27, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.8/10, moderate confidence.

Passes 7/8 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 56d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum. Suitability: moderate.

Recent Developments — PNC Financial Services Group, I

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Concentration risk — Regulatory: Federal Reserve
Concentration risk — Regulatory: OCC
Thin upside margin: 7.6%

Key Metrics

P/E (TTM)12.4
P/E (Fwd)10.2
Mkt Cap$85.8B
EV/EBITDA
Profit Mgn31.3%
ROE12.1%
Rev Growth13.8%
Beta0.93
Dividend3.18%
Rating analysts28

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C0.37bullish
IV38%normal

Concentration Risks(10-K Item 1A)

  • HIGHregulatoryFederal Reserve
    10-K Item 1: 'PNC is subject to regulation under the BHC Act and to comprehensive consolidated supervision, regulation and examination by its primary regulator, the Federal Reserve'
  • HIGHregulatoryOCC
    10-K Item 1: 'PNC Bank is supervised and regulated primarily by the OCC'

Material Events(8-K, last 90d)

  • 2026-04-24Item 5.02LOW
    PNC 2026 Omnibus Equity Incentive Plan approved by shareholders at April 22, 2026 annual meeting; previously approved by Board March 5, 2026. Compensatory arrangement for employees and non-employee directors. No officer departure.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Macd
0.0
Obv
1.0
Volume
2.0
Ma Position
4.0
Rsi
5.5
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 2.5<4.5A.R:R 1.5 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 56d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
42 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $209.70Resistance $229.72

Price Targets

$204
$229
A.Upside+7.6%
A.R:R1.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Momentum score 2.5/10 — below 4.5 minimum

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-15 (56d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PNC stock a buy right now?

Hold if already holding. Not a fresh buy at $213.27, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $229.45 (+7.6%), stop $204.19 (−4.4%), A.R:R 1.5:1. Score 5.8/10, moderate confidence.

What is the PNC stock price target?

Take-profit target: $229.45 (+7.6% upside). Target $229.45 (+7.6%), stop $204.19 (−4.4%), A.R:R 1.5:1. Stop-loss: $204.19.

What are the risks of investing in PNC?

Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC; Thin upside margin: 7.6%.

Is PNC overvalued or undervalued?

PNC Financial Services Group, I trades at a P/E of 12.4 (forward 10.2). TrendMatrix value score: 7.3/10. Verdict: Hold.

What do analysts say about PNC?

28 analysts cover PNC with a consensus score of 4.0/5. Average price target: $255.

What does PNC Financial Services Group, I do?PNC Financial Services Group is one of the largest diversified financial institutions in the U.S., with $573.6 billion...

PNC Financial Services Group is one of the largest diversified financial institutions in the U.S., with $573.6 billion in total assets, headquartered in Pittsburgh, PA, providing retail banking, corporate banking, and asset management through a coast-to-coast branch network. Revenue comes from net interest income and fee-based services; PNC completed the acquisition of FirstBank Holding Company ($26.4B assets) on January 5, 2026.

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