Stock Analysis
PNC Financial Services GroupPNC
P/E 11.29×· 5Y range 7.20–16.42×· 31th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsStrong Buy27 analystsP/E 11.3× sits at the 31st percentile of its 5.086926762491444-year history.
Cash covers 6% of debt · Q2 2026.
PMP Verdict
Weak fundamentals
Strengths
- Profitability67
Risks
- Financial Health18
- Growth35
Weak fundamentals — valuation is the only support.
Market context
+1.1% today· Z 1.8σ· PNC gained 2.07% following strong Q3 2026 earnings driven by commercial loan growth and deposit inflows.
What's happening with PNC
Profile
financial health, moat and growth lag behind.
How is each axis scored?
- Valuation62/100 · Moderate
- P/E vs own history (31th pct)20/25
- FCF yield (n/a)10/25
- P/S (3.5x)20/25
- EV/EBIT (19.9x)12/25
- Growth35/100 · Weak
- Revenue CAGR (4.7%)6/25
- Net income CAGR (5.1%)12/25
- EPS CAGR 5Y (7.1%)12/25
- Fwd implied growth (3.0%)5/25
- Profitability67/100 · Moderate
- ROIC (4.6%)5/25
- ROE (12.0%)12/25
- Net margin (30.7%)25/25
- Operating margin (33.9%)25/25
- Financial Health18/100 · Weak
- Altman Z (0.17)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.5x)3/25
- Net cash / debt (D/A 13%)12/25
- Quality55/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.38)20/25
- FCF conversion (n/a)0/25
- Margin stability (σ 7.7%)20/25
- Moat25/100 · Weak
- ROIC >12% years (0/10 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (worst 23.9%)25/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
- ⚠Interest coverage 0.5× — thin debt cushion
About PNC Financial Services Group
PNC Financial is one of the three super-regional banks in the US, with over $600 billion in total assets at the end of March 2026. Show more
Headquartered in Pittsburgh, Pennsylvania, PNC Financial has a coast-to-coast branch network, with a strong presence in the US Midwest and Northeast. It closed its acquisition of FirstBank in January 2026, which added around $26 billion in assets to its balance sheet, and PNC is currently expanding in the Southern and Western regions of the US. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, asset management, and investment banking. PNC derived around 38% of revenue from fee income and 62% from net interest income in 2025.
Headquarters: PITTSBURGH, PA · Employees: 55,333 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
62BP/E (TTM)11.3xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.2x–16.4x · 31st pct
P/FCF11.4xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.7%A
Grade A: ValueInverse of Finnhub P/FCF (own TTM FCF unavailable)
P/S (TTM)3.47xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.0x–5.3x · 56th pct
EV/EBIT19.9xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 16.9x–21.9x · 23rd pct
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.0xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.35xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.03B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield3.56%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio40.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
67BROIC4.6%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.0%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin30.7%A
Grade A: HighNet Income / Revenue
Operating Margin33.9%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
35DRevenue CAGR4.7%D
Grade D: LowCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR5.1%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)7.1%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth3.0%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-6.6%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
18EAltman Z-Score0.17D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT9.7xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.37xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.06xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
55CPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.38A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability7.7%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Salesky Bryan Scott Filed | Salesky Bryan Scott | Grant / award | +119 | |
Khator Renu Filed | Khator Renu | Grant / award | +119 | |
Dachille Douglas A. Filed | Dachille Douglas A. | Grant / award | +30 | |
Feldstein Andrew T Filed | Feldstein Andrew T | Grant / award | +176 | |
HESSE DANIEL Filed | HESSE DANIEL | Grant / award | +65 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
NIBLOCK ROBERT A Filed | NIBLOCK ROBERT A | Grant / award | +59 | |
CAFARO DEBRA A Filed | CAFARO DEBRA A | Grant / award | +119 | |
HARSHMAN RICHARD J Filed | HARSHMAN RICHARD J | Grant / award | +30 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
25EROIC >12% Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor23.9%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$19.26
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$13.31
Cash & short-term investments per share (Finnhub)
Book Value / Share$160.23
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$87.96B
Total debt obligations (short + long term)
Cash & Equiv.$5.66B
Cash and short-term investments
Net Debt$82.30B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$64.06B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$86.73B
Current Market Capitalization
Beta0.92B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: PNC Financial Services Group (PNC)
PNC is up 1.14% at the last close — PNC gained 2.07% following strong Q3 2026 earnings driven by commercial loan growth and deposit inflows.. Piotroski F-Score of 6/9 indicates mixed fundamentals for PNC Financial Services Group. Altman Z-Score of 0.17 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Beneish M-Score of -2.38 suggests a low likelihood of earnings manipulation.
- Interest coverage of 0.5× leaves little room for earnings shocks.
- The stock currently yields 3.6% in dividends.
See how PNC ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 15, 2026 | Pre-Mkt | $4.98 | — | — | $6.7B | — |
Recent Market Moves
See all PNC moves →Frequently Asked Questions about PNC
What is the current PNC Financial Services Group (PNC) stock price?
PNC is trading at $217.39 at the last market close, up 1.14% on the session. PreMarketPrice tracks PNC pre-market, intraday and after-hours prices.
Is PNC stock a buy right now?
PreMarketPrice's quantitative model rates PNC Financial Services Group's financial health at 18/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PNC stock overvalued?
PNC Financial Services Group trades at a trailing P/E of 11.3 and our valuation score rates it 62/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does PNC Financial Services Group report earnings?
No confirmed earnings date is currently scheduled for PNC. The Earnings section lists recent reports and updates as dates are announced.
What sector does PNC Financial Services Group operate in?
PNC Financial Services Group operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does PNC Financial Services Group do?
PNC Financial is one of the three super-regional banks in the US, with over $600 billion in total assets at the end of March 2026.
About PNC Financial Services Group (PNC) Stock
PNC Financial Services Group (PNC) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, PNC Financial Services Group is trading at $217.39, up 1.14% on the day with a market capitalization of $86.7 billion. The financial health score for PNC is 18/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PNC stock.
PNC Stock Analysis & Key Metrics
On PreMarketPrice, you can track PNC Financial Services Group (PNC) across multiple dimensions:
- Pre-market price & movement: Real-time PNC stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for PNC, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PNC with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for PNC Financial Services Group across multiple reporting periods.
- Financial health score: A composite score of 18/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PNC.
- Sector peers: Compare PNC against 6 other financial services stocks on key financial metrics.
Is PNC a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate PNC Financial Services Group (PNC) as an investment. The financial health score of 18/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.PNC Financial Services Group (PNC) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.