The PNC Financial Services Group, Inc.
PNC Financial Services Banks - Regional NYSE
$197.86
$-0.41 (-0.21%)
Open: $197.75 | High: $199.06 | Low: $196.44 | Prev Close: $198.27
Market Cap: $77.59B
Volume: 843K | Avg: 1.9M
Last updated: December 05, 2025 at 10:06 PMInvestment Rating
Neutral
Overall Score: 60/100
Rating Breakdown:
Stock Score Analysis
Stock Score: 485
Comprehensive Quality Assessment
Component Breakdown:
Valuation Metrics
| P/E Ratio | 12.78 |
| P/B Ratio | 1.33 |
| P/S Ratio | 2.30 |
| EPS | $15.48 |
| Beta | 1.02 |
| Shares Outstanding | 392.16M |
| 52-Week High | $209.86 |
| 52-Week Low | $145.12 |
| SMA 50 | $188.02 |
| SMA 200 | $183.76 |
| Dividend Yield | 3.34% |
| Annual Dividend | $6.60 |
| Next Earnings | January 16, 2026 01:30 PM ET |
Financial Ratios
| Gross Margin | 64.5% |
| Operating Margin | 23.8% |
| Net Margin | 19.3% |
| ROE | 11.5% |
| ROA | 1.1% |
| Debt/Equity | 1.06 |
| Current Ratio | 0.25 |
| Quick Ratio | 0.25 |
Balance Sheet
| Total Assets | $560.04B |
| Total Liabilities | $505.57B |
| Total Equity | $54.42B |
| Cash | $46.25B |
| Total Debt | $61.67B |
| Net Debt | $15.42B |
Income Statement
| Revenue | $33.69B |
| Gross Profit | $20.01B |
| Operating Income | $7.24B |
| Net Income | $5.89B |
| EBITDA | $7.50B |
| Revenue/Share | $85.36 |
Cash Flow
| Operating CF | $7.88B |
| CapEx | N/A |
| Free Cash Flow | $7.88B |
| Book Value/Share | $149.09 |
| Tangible Book/Share | $112.24 |
| Equity/Share | $148.96 |
Technical Indicators
| RSI (14) | 74.95 Overbought |
| MACD |
2.52
Signal: 0.88
|
| Volatility | 19.16% |
| Trading Signal | Overbought |
Performance & Returns
| 1 Year | +1.88% |
| Sharpe Ratio | 0.12 Fair |
| Volatility (Ann.) | 26.44% Moderate |
| PNC (1Y) | +1.88% |
| S&P 500 (1Y) | +11.86% |
| Alpha (Excess Return) | -9.98% |
Sector Comparison (Financial Services)
| Metric | PNC | Sector Avg | Percentile |
|---|---|---|---|
| P/E Ratio | 12.78 | 48.29 | 14% |
| P/B Ratio | 1.33 | 3.96 | 28% |
| ROE (%) | 11.48% | 18.47% | 33% |
| Net Margin (%) | 19.31% | 18.53% | 64% |
| Stock Score | 485 | 407.0 | 71% |
| 1Y Return (%) | +1.88% | +6.26% | 31% |
Historical Price Analysis (Last 200 Days)
Technical Analysis
| Ticker | Close | SMA 5 | SMA 8 | SMA 13 | SMA 50 | SMA 200 | RSI (14) | MACD | Volatility (%) | Volume | Signal | SMA Decision |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PNC | $197.86 | $194.29 | $193.05 | $189.00 | $188.02 | $183.76 | 74.95 | 2.52 | 19.16% | 1939348 | Strong Long | Bullish Stack |
Candlestick Patterns
There wasn't any recognizable pattern for the PNC stock
News Sentiment
| 📊 Ticker | 📰 Headline | 💭 Sentiment | 📡 Source | 🔗 URL |
|---|---|---|---|---|
| PNC | Why The PNC Financial Services Group, Inc (PNC) is a Top Value Stock for the Long-Term | Neutral | zacks.com | Read More |
| PNC | 17 dividend-stock bargains from a value manager with a stellar track record | Positive | marketwatch.com | Read More |
| PNC | Citigroup vs. PNC Financial: Which Stock Has a Bigger Upside? | Neutral | zacks.com | Read More |
| PNC | The PNC Financial Services Group, Inc (PNC) Recently Broke Out Above the 50-Day Moving Average | Neutral | zacks.com | Read More |
| PNC | Fed will lean dovish in 2026, says PNC's Yung-Yu Ma | Neutral | youtube.com | Read More |
Company Information
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of 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, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's 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 for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.
| CEO | William S. Demchak |
| Employees | 53686 |
| Country | US |
| IPO Date | 1975-11-17 |
| Exchange | NYSE |
| Website | https://www.pnc.com |
| Sector | Financial Services |
| Industry | Banks - Regional |
Similar Stocks (Financial Services - Banks - Regional)
Rating Metrics Explained
DCF Score (Discounted Cash Flow)
Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.
ROE Score (Return on Equity)
Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.
ROA Score (Return on Assets)
Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.
D/E Score (Debt-to-Equity)
Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.
P/E Score (Price-to-Earnings)
Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.
P/B Score (Price-to-Book)
Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.
Rating Recommendations:
Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:
-
Strong Buy (5/5): Excellent score - strong positive indicator
- The metric significantly outperforms industry averages (top 20% of companies)
- Indicates exceptional financial health or attractive valuation in that category
-
Buy (4/5): Good score - positive indicator
- Above-average performance (top 40% of companies)
- Shows strong fundamentals with room for improvement
-
Neutral (3/5): Average score - neutral indicator
- Performance in line with industry median (middle 20%)
- Neither significantly positive nor negative signal
-
Sell (2/5): Below average - negative indicator
- Below-average performance (bottom 40% of companies)
- Suggests weakness in this particular metric
-
Strong Sell (1/5): Poor score - strong negative indicator
- Significantly underperforms industry (bottom 20%)
- Indicates potential risk or overvaluation in that category