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PNCPNC Financial Services Group, IHold6.0·$234.02+0.59%
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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 $234.02, 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

$234.02-1.1% A.UpsideScore 6.0/10#70 of 142 Banks - Regional
QualityF-score6 / 9FCF yield
IncomeYield2.92%(5y avg 3.51%)Payout38.93%sustainable
Stop $225.02Target $231.37(resistance)A.R:R -0.2:1
Analyst target$255.21+9.1%19 analysts
$231.37our TP
$234.02price
$255.21mean
$280

Hold if already holding. Not a fresh buy at $234.02, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 33d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 15, 202633d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Positive momentum
Risks
Concentration risk — Regulatory: Federal Reserve
Concentration risk — Regulatory: OCC
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)13.5
P/E (Fwd)11.1
Mkt Cap$93.4B
EV/EBITDA
Profit Mgn31.3%
ROE12.1%
Rev Growth13.8%
Beta0.92
Dividend2.92%
Rating analysts26

Quality Signals

Piotroski F6/9MoatNarrow

Options Flow

P/C1.02bearish
IV39%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.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

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

Bollinger
0.3
Support Resistance
0.9
52w Position
9.3
GatesA.R:R -0.2=NEGATIVEExecutive change: officer departure/appointmentMomentum 7.8>=5.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 33d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
72 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $210.86Resistance $236.09

Price Targets

$225
$231
A.Upside-1.1%
A.R:R-0.2:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-1.8% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-15 (33d)

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 $234.02, but acceptable to hold if already in. Reasons: Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $231.37 (-1.1%), stop $225.02 (−4.0%), A.R:R -0.2:1. Score 6.0/10, moderate confidence.

What is the PNC stock price target?

Take-profit target: $231.37 (-1.1% upside). Target $231.37 (-1.1%), stop $225.02 (−4.0%), A.R:R -0.2:1. Stop-loss: $225.02.

What are the risks of investing in PNC?

Concentration risk — Regulatory: Federal Reserve; Concentration risk — Regulatory: OCC; Analyst target reached - limited upside remaining.

Is PNC overvalued or undervalued?

PNC Financial Services Group, I trades at a P/E of 13.5 (forward 11.1). TrendMatrix value score: 6.7/10. Verdict: Hold.

What do analysts say about PNC?

26 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.

Related stocks: SSB (SouthState Bank Corporation) · PNFP (Pinnacle Financial Partners, In) · NU (Nu Holdings Ltd.) · ONB (Old National Bancorp) · BAP (Credicorp Ltd.)
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