PNC Financial Services (PNC)
Financials · diversified regional banking · NYSE
PNC is a diversified national financial institution providing comprehensive retail, commercial, and wealth management services across an extensive U.S. branch and digital footprint.
What PNC Financial Services does
PNC Financial Services is a diversified financial services company providing retail banking, corporate and institutional banking, asset management, and wealth management services. Following the 2026 acquisition of FirstBank, the company expanded its presence in Colorado and Arizona, offering a broad suite of financial products across its nationwide branch network and digital platforms.
Themes: retail banking, commercial and institutional banking, asset and wealth management, financial services M&A
Fundamentals
- Price$219.68 as of 2026-10-08 close
- Market cap$87.6B as of 2026-07-20 (share count; price 2026-10-08)
- 1-year return+15.5% 2025-10-08 close $190.16 → 2026-10-08 close $219.68
- P/E11.49 as of 2026-10-08
- Net margin+30.3% FY2025, SEC XBRL
- ROE+11.5% FY2025, SEC XBRL
- Debt / equity0.71 as of 2026-09-02
- Revenue growth (YoY)+7.2% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+3.0% SEC XBRL
- Beta0.87 as of 2026-09-02
- Last reported earnings2026-07-15 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.4%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How PNC compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-02
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
PNC is not currently in any published Top 10 list. Its scores are below.
Top 10 score
50.9 #674 of 1,379 scored · #157 of 220 in Financials
Valuation 73rd (price to book 1.4, price to earnings 11.5) and capital return 61st (consecutive years of dividend increases 5 years, net share count bought back over the year 1); weakest is growth (32nd, 3-year revenue CAGR 3%).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, PNC's dividend was covered by reported results (earnings payout 38%, operating-cash-flow payout 60%). This describes past coverage, not a forecast.
- Earnings payout38% dividends / net income
- Operating-cash-flow payout60% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How PNC Financial Services looks technically
PNC Financial Services (PNC) is trading 3.6% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 293 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 39, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 30, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 2 trading days ago. It is 15.2% below its highest point of the past year.
Trend
7
| Distance from the 200-day | it is trading 3.6% below its 200-day average, the long-term trend line — a long-term downtrend | -3.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $239.59 | $239.59 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $227.95 | $227.95 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 37 calendar days ago — the swings before that are what the structure reading is measured on | 37 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 293 trading days ago — a "golden cross", a bullish long-term signal | 293 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 39, with sellers in control | 38.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 30, neither overbought (above 70) nor oversold (below 30) | 30.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($214.82 to $235.32) — its "stochastic" reading is 24 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 23.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 18 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $258.96 | $258.96 |
|---|---|---|
| From the 52-week high | it is 15.2% below its 52-week high (its highest price of the past year) | -15.2% |
| Above the 52-week low | it is 24.2% above its 52-week low (its lowest price of the past year) | +24.2% |
| Below the 52-week high | it is 15.2% below its highest point of the past year | 15.2% |
| Since a 20-day breakout | it made a new 20-day low about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day low about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $258.96 (set on 2026-08-17) | $258.96 |
| Given back of the 52-week move | over the past year its closes ranged ($178.37 to $256.97), and it has given back around half of its rise from last year’s low — 47% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $205.88 to $208.40. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 47.4% |
| From the all-time high | it is 15.2% below its all-time high | -15.2% |
| Nearest price level | it is trading 1.0% below a resistance level at $221.79 — a price it turned at twice since 2026-01-08, most recently on 2026-05-27. Since 2024-10-08 it has 10 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.0% |
| All-time low | its lowest closing price on record is $16.20 (set on 2009-03-06) | $16.20 |
| Above the all-time low | it is 1256.0% above its all-time low | +1,256% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are wider than usual versus its own recent 6-month history (wider than about 79% of it) | 79th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $4.32 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $4.32 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $211.49 and $243.09 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $211.49 – $227.29 – $243.09 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 1.9 daily ranges below its 200-day average price (3.6% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.9 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.83× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 0.9% since the prior reading | -0.9% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.8% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.8% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 10.6 percentage points (the stock lost 9.6% while the market gained 1.0%) | -10.6% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 14.7 percentage points (the stock lost 10.9% while the market gained 3.8%) | -14.7% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 14.4 percentage points (the stock gained 3.1% while the market gained 17.5%) | -14.4% |
| vs market, 12 months | over the past 12 months this stock beat the market by 0.5 percentage points (the stock gained 15.5% while the market gained 15.0%) | +0.6% |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 10% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 0.0% of the share price, which is taken to mean a barrier that gives way easily. | -10.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 3% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $227.20 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | -3.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 8% below the average price paid since it last reported on 2026-07-15 (its 8-K), so the typical buyer over that stretch is under water. That average is $239.98 — a volume-weighted average of daily closes over 61 sessions, not a true tick-by-tick VWAP. | -8.5% |
Price levels it has turned at before
PNC last closed at $219.68 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $221.79 | Resistance | 1.0% above the last close | turned there twice · 2026-01-08 to 2026-05-27 |
| $214.99 | Support | 2.1% below the last close | turned there six times · 2024-11-13 to 2026-06-02 |
| $228.01 | Resistance | 3.8% above the last close | turned there three times · 2026-01-21 to 2026-05-06 |
| $209.10 | Support | 4.8% below the last close | turned there four times · 2025-09-05 to 2026-05-13 |
| $205.24 | Support | 6.6% below the last close | turned there three times · 2024-11-20 to 2025-09-23 |
| $245.84 | Resistance | 11.9% above the last close | turned there three times · 2026-02-06 to 2026-09-11 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Broke down to a new 20-day low · lagging the market · Least volatile (2% or less typical daily range) · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.77 mean, 1=Strong Buy…5=Strong Sell) — 20 analysts
- Mean price target$273.95 range $252.00 – $291.00; median $276.50
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for PNC
- Consensus EPS estimate$4.99 next reporting period, as of 2026-10-04
- Estimate change, 30 days+$0.0061 (+0.1%) from $4.98, on 2026-08-30, 35-day window
- Readings revised upward25% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["potential for increased credit losses due to macroeconomic factors","integration risks associated with large acquisitions like FirstBank","regulatory and compliance risks impacting financial performance"]
What changed in the latest 10-Q
AI-assisted comparison of PNC's 10-Q filed 2026-05-05 against the prior one filed 2025-11-03.
Risk Factors
- Added:
- Reference to '2025 Form 10-K' instead of '2024 Form 10-K' in opening line (filed 2026-05-05)
- NII sensitivity table shows results as of March 31, 2026 and March 31, 2025 with blank percentage values for 200 bps increase scenario (filed 2026-05-05)
- Cumulative deposit beta updated to 46% through March 2026 (filed 2026-05-05)
- Deposit beta forward assumption changed from 'will increase modestly' to 'will decrease slightly' (filed 2026-05-05)
- Active and forward starting receive fix/pay float swaps increased to $79.3 billion as of March 31, 2026 (filed 2026-05-05)
- Weighted average duration of swaps updated to 2.3 years and average fixed rate to 3.63% (filed 2026-05-05)
- Description of swap usage simplified to remove reference to 'deposits' in fixed rate debt hedging (filed 2026-05-05)
- EVE sensitivity table shows March 31, 2026 and March 31, 2025 results with updated percentages (filed 2026-05-05)
- Balance sheet position reference changed from September 30, 2025 to March 31, 2026 (filed 2026-05-05)
- Comparison statement changed to 'first quarter of 2025' instead of 'third quarter of 2024' (filed 2026-05-05)
- Removed:
- Note 12 Financial Derivatives reference (older filing used Note 12, newer uses Note 13) (filed 2025-11-03)
- Paragraph explaining introduction of new deposit runoff model in first quarter 2025 and its effects on balance sheet duration and EVE symmetry (filed 2025-11-03)
- Statement about material changes to NII sensitivity assumptions compared to third quarter 2024 (filed 2025-11-03)
- Specific NII sensitivity percentages for third quarter 2025 and 2024: +200 bps increase showed 1.8% and -0.5%; -200 bps decrease showed -2.9% and -0.6% (filed 2025-11-03)
- Specific EVE sensitivity percentages for third quarter 2025 and 2024 (filed 2025-11-03)
- Footnote (a) explaining that 100 basis point changes are approximately half of 200 basis point results (filed 2025-11-03)
- Reference to $54.2 billion in swaps as of September 30, 2025 with 2.2 years duration and 3.71% rate (filed 2025-11-03)
- Reworded:
- Footnote (a) changed from '100 basis point instantaneous increase or decrease is approximately half' to '100 basis point increase is approximately equal' and '100 basis point decrease is approximately one third' (filed 2026-05-05)
- Deposit beta language changed from 'will increase modestly from the current level' to 'will decrease slightly from the current level' (filed 2026-05-05)
- Reference to hedging swaps changed from 'receive fix / pay float swaps to hedge fixed rate debt and deposits' to 'receive fix / pay float swaps to hedge fixed rate debt' (filed 2026-05-05)
- Comparison baseline changed from third quarter periods to first quarter periods (filed 2026-05-05)
- Notes:
- NII sensitivity table for March 31, 2026 shows blank/dash values for the 200 basis point increase scenario, making year-over-year comparison incomplete
- Text was truncated at end of both filings; full comparison of Customer-Related Trading Risk section not assessable
- EVE sensitivity table numerical values changed but old deposit runoff model explanation paragraph was removed entirely, so transitional context is lost
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 2 sells ($1M) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 8 sells ($12M) — 6 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-13. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about PNC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 7 matched disclosures for PNC from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding PNC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 66,975,731
- Reported value $16,490,764,611
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about PNC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
PNC had 7,706,224 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
PNC had 1.93% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.72 days to cover at the same settlement.
- Reported short interest (shares) 7,706,224
- Short interest (% of shares outstanding) 1.93%
- Prior settlement (shares) 7,003,678
- Reported change 10.03%
- Days to cover (reported) 5.72
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- JPMorgan Chase (JPM)
- Bank of America (BAC)
- Wells Fargo (WFC)
- Citigroup (C)
- U.S. Bancorp (USB)
- Truist Financial (TFC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PNC Financial Services (PNC) do?
PNC Financial Services is a diversified financial services company providing retail banking, corporate and institutional banking, asset management, and wealth management services. Following the 2026 acquisition of FirstBank, the company expanded its presence in Colorado and Arizona, offering a broad suite of financial products across its nationwide branch network and digital platforms.
What sector is PNC Financial Services (PNC) in?
PNC Financial Services (PNC) is classified in the Financials sector. Its industry is diversified regional banking. It trades on NYSE.
Does PNC pay a dividend?
Yes — PNC Financial Services (PNC) pays a dividend, with an indicated yield of about 3.43% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are PNC Financial Services's (PNC) competitors?
Notable peers of PNC Financial Services (PNC) include JPMorgan Chase, Bank of America, Wells Fargo, Citigroup and U.S. Bancorp. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in PNC?
Yes — we hold 7 matched STOCK Act disclosures for PNC from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is PNC Financial Services (PNC) overbought or oversold right now?
PNC Financial Services (PNC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 30, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on PNC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.