Stock·NYSE·Financial Services
The PNC Financial Services Group, Inc. (PNC)
- Market cap
- $85.75B
- P/E
- 12.08
- Dividend yield
- 3.44%
- Street target
- $275.00median of 23 analysts
- 52-week range
- $176.88 $258.96
The short version
Where PNC stands today, in four lines, and what CleaRank Financial AI makes of it.
PNC at a glance
The PNC Financial Services Group, Inc. (PNC): Sell, 25/100 on CleaRank's AI score.
- Trend Down: the price is below both its 50- and 200-day moving averages ($236.21 and $228.41).
- Earnings PNC beat estimates in 6 of its last 6 quarters, yet fell the next day after 3 of those beats.
- Insiders Insiders sold $31.0M and bought $166K over the last 18 months.
- Valuation P/E of 12.1 against 16.5 for the Financial Services sector: a discount to peers (-27%).
Figures as of October 16, 2026.
CleaRank Financial AI
The PNC Financial Services Group (PNC) is currently trading at $214.94, below its 50-day SMA of $236.21 and 200-day SMA of $228.41.
The 14-day RSI is at 27.27, indicating oversold conditions. Despite these technical signals, insider transactions show a net seller position, with total sales of $31 million against $165,800 in purchases. The company's P/E ratio of 12.08 is below the sector median of 16.5, and its profit margin of 31.37% and return on equity of 12.62% are strong, though revenue growth of 23.6% is above the sector average of 11.7%. Wall Street analysts maintain a generally positive outlook, with a consensus rating of 'Buy' and a median price target of $275.00, implying an upside of 27.9%. The average EPS estimate for the current year is $18.89, with revenue growth projected at 14.00%. However, the moderate insider selling signal warrants attention, suggesting potential headwinds despite the positive analyst sentiment and favorable valuation relative to peers.
Only on CleaRank
Figures we compute ourselves from PNC's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
1/4Price above its 50-day average ›
The price of $214.94 is 9.0% below the 50-day simple moving average of $236.21.Price above its 200-day average ›
The price is 5.9% below the 200-day simple moving average of $228.41.50-day average above the 200-day ›
The 50-day average ($236.21) is 3.4% above the 200-day average ($228.41), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 46% of its 52-week range, between $176.88 and $258.96.
PNC share price
Pick a period: each tab shows how far PNC has moved over it, to the last close.
Today's trading
Where PNC sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 12.08 is 26.8% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 3.54 is 6.8% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $7.3B on revenue of $24.3B, a net margin of 29.9%.Beat estimates in most recent reports ›
PNC beat the EPS estimate in 6 of its last 6 reports.Pays a dividend ›
The trailing dividend yield is 3.44%, or $7.40 a share a year.
Key statistics
The headline figures for PNC.
As of October 16, 2026, PNC trades at $214.94, with a market value of $85.75B, a P/E ratio of 12.08 and a dividend yield of 3.44%.
What the numbers say
CleaRank Financial AI's reading of PNC's valuation, growth and risks.
PNC Financial Services Group exhibits a P/E ratio of 12.08, which is below the Financial Services sector median of 16.5, indicating a potentially attractive valuation.
Its price-to-sales ratio stands at 3.54, and its debt-to-equity ratio is a very low 0.01, suggesting a strong balance sheet. The company demonstrates solid profitability with a net profit margin of 31.37% and an operating margin of 38.69%. Its return on equity is 12.62%, which is below the sector average of 13.8%. Revenue growth of 23.6% significantly outpaces the sector average of 11.7%, indicating strong top-line expansion.
PNC against the Financial Services sector
How PNC compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: PNC trades at a notable discount to sector peers (-27%), which may indicate undervaluation or specific company headwinds.
Return vs KBE: Since May 5, 2025, PNC has gained 29.7% against a gain of 21.5% for KBE.
Performance against KBE
PNC and the Financial Services sector fund over the same days.
Revenue and earnings
How much PNC sells, and how much of it becomes profit.
Revenue growth: Revenue grew 10.9% in FY2025 to $23.1B, from $20.8B a year earlier.
Profit margin: The net margin was 30.3% in FY2025, up from 28.6% the year before.
Profitable: PNC earned $7.0B in FY2025.
Earnings reality check
Did PNC beat what analysts expected, and how did the stock react?
Earnings record: PNC beat the analyst estimate in 6 of the last 6 quarters.
Market reaction: The stock fell in the first session after 3 of those 6 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Jul 15, 2026after close | $4.45 | $4.81 | +8.09% | +0.41% | -0.65% |
| Apr 15, 2026after close | $3.95 | $4.13 | +4.56% | -0.90% | +1.35% |
| Jul 16, 2025after close | $3.55 | $3.85 | +8.45% | +1.06% | +1.97% |
| Apr 15, 2025after close | $3.38 | $3.51 | +3.85% | -2.48% | +1.30% |
| Jan 16, 2025after close | $3.35 | $3.77 | +12.54% | +1.02% | +1.52% |
| Oct 15, 2024after close | $3.32 | $3.49 | +5.12% | -1.25% | -3.15% |
As of October 16, 2026, PNC has beaten the analyst EPS estimate in 6 of its last 6 reported quarters and fell in the first trading session after 3 of those beats; its latest report, on July 15, 2026, came in 8.09% above the estimate and the stock moved +0.41% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
0/3RSI not overbought or oversold ›
The 14-day RSI is 27.3, in oversold territory.RSI above 50 ›
An RSI of 27.3 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of PNC
The score, the reasoning behind it, and what could move the price next.
PNC Financial Services Group is currently trading below its key moving averages, with the price at $214.94 sitting below the 50-day SMA of $236.21 and the 200-day SMA of $228.41.
The 14-day RSI is at 27.27, signaling oversold conditions, which could precede a short-term bounce. Key support levels are not clearly defined by the current chart structure given the price's position relative to its averages. Volume was significantly above average on the latest trading day, at 4.57 million shares compared to the average of 2.4 million, indicating increased investor interest. The moderate sell signal from insider transactions, coupled with oversold technicals, suggests a potential for a bounce but also highlights caution regarding further downside if support fails.
Oversold Technical Conditions ›
The 14-day RSI at 27.27 indicates that the stock is oversold, which could lead to a short-term technical bounce or reversal.
Source: Technical AnalysisPositive Earnings Surprises ›
PNC has a history of beating EPS estimates, with the latest quarter showing an 8.09% surprise, suggesting strong operational execution.
Source: Earnings ReportsAnalyst Price Targets Above Current Price ›
The median Wall Street price target for PNC is $275.00, representing a 27.9% upside from the current price, indicating analyst optimism.
Source: Wall Street Analysts
Trading Below Key Moving Averages ›
PNC's stock price is below its 50-day SMA ($236.21) and 200-day SMA ($228.41), suggesting a bearish trend and potential for continued weakness.
Source: Technical Analysis
- Given the oversold RSI (27.27), consider that a short-term technical bounce is possible, but do not rely on it as a primary investment thesis.
- With a dividend yield of 3.44%, PNC may appeal to income-focused investors, but ensure the dividend is sustainable given the moderate insider selling signal.
Technical indicators
Momentum and trend for PNC, from its daily closes.
As of October 16, 2026, with PNC at $214.94, its 14-day RSI is 27.3 (oversold territory), its 50-day simple moving average is $236.21 and its 200-day is $228.41.
Calculated by CleaRank on daily closes as of October 16, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What PNC moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 16, 2026, PNC's 1-year correlation of daily returns is +0.59 with S&P 500 (SPY), +0.43 with Nasdaq 100 (QQQ), +0.09 with Bitcoin (BTC) and +0.00 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
3/3Most analysts rate it a buy ›
16 of 23 analysts rate it a buy or strong buy, 7 a hold and 0 a sell.Median target above the price ›
The median 12-month target of $275.00 is 27.9% above the price.More buy ratings than three months ago ›
16 of 23 rate it a buy now, against 15 of 22 three months ago.
PNC Wall Street View
12-month price targets
The price, $214.94, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 8, 2026 | TD Cowen | Reinstates | Hold |
| Oct 5, 2026 | UBS | Maintains | Buy |
| Oct 5, 2026 | Goldman Sachs | Maintains | Neutral |
| Oct 2, 2026 | JP Morgan | Maintains | Overweight |
| Oct 1, 2026 | Evercore ISI Group | Maintains | Outperform |
| Oct 1, 2026 | Truist Securities | Maintains | Hold |
As of October 16, 2026, 23 Wall Street analysts cover PNC: 16 rate it a buy or strong buy, 7 a hold and 0 a sell or strong sell. Their 12-month price targets range from $245.00 to $290.00, with a median of $275.00, 27.9% above the price of $214.94.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
PNC trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Short entry pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from PNC's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much PNC tends to move, against the market and on its own.
The long record
PNC's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Average daily move under 2% ›
The price has moved 1.05% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 48.0%, from January 2022 to May 2023, regained by November 2024.Most 1-year holds ended higher ›
62% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $33,805, against $42,525 in the S&P 500 (SPY).
PNC Drawdowns & Recovery
As of October 16, 2026, PNC's worst peak-to-trough fall over the last 10 years with dividends reinvested was -48.0% (January 2022 to May 2023); it regained that peak by November 2024, 18 months after the low, and 62% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into PNC in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: PNC trailed the S&P 500 over this period: $33,805 against $42,525.
A $10,000 investment in PNC in October 2016 would be worth about $33,805 today with dividends reinvested, compared with about $42,525 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to PNC, and which have not.
Strongest month, November: an average of +8.79%, up in 8 of 10 years.
Weakest month, March: an average of -6.55%, up in 1 of 10 years.
This month, October: has averaged +0.54%, up in 5 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, PNC's strongest calendar month has been November (average +8.79%, up in 8 of 10 years) and its weakest March (average -6.55%, up in 1 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in PNC, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in PNC today could grow to about $20,619 by 2036 in the base case, with a 90th-percentile outcome near $68,965 and a 10th-percentile outcome around $6,165. The simulation models price only; at today's 3.44% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
PNC Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $287 for PNC by 2030 in the base case, from $215 today (1.3x over 4 years). The 10th-percentile path ends near $134. These are outcomes of a Monte Carlo simulation run on PNC's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $158 | $231 | $339 | |
| 2028 | $145 | $248 | $426 | |
| 2029 | $138 | $267 | $517 | |
| 2030 | $134 | $287 | $616 | |
| 2031 | $131 | $309 | $725 |
Method: a lognormal simulation of PNC's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
PNC insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: Insiders bought $166K on the open market and sold $31.0M.
As of October 16, 2026, PNC insiders reported 26 open-market sales worth $31.0M and 3 open-market purchases worth $166K over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Aug 13, 2026 | Stacy M Juchno
Officer
|
Sell | 3.4K | $858.1K |
| Jul 22, 2026 | Guild Deborah
Officer
|
Sell | 1.2K | $302.6K |
| Jul 22, 2026 | Guild Deborah
Officer
|
Grant | 72 | - |
| Jun 12, 2026 | Michael Duane Thomas
Officer
|
Sell | 1.5K | $357.2K |
| Jun 8, 2026 | Alexander E. C. Overstrom
Officer
|
Sell | 1.5K | $342.0K |
| Jun 5, 2026 | Stephanie Novosel
Officer
|
Sell | 1.8K | $411.7K |
| May 26, 2026 | Andrew T Feldstein
Director
|
Sell | 45.0K | $9.9M |
| Apr 17, 2026 | Mark Kenneth Wiedman
President
|
Grant | 4.6K | - |
| Mar 9, 2026 | Linda R. Medler
Director
|
Buy | 20 | $4.0K |
| Feb 23, 2026 | Guild Deborah
Officer
|
Grant | 3.2K | - |
| Feb 20, 2026 | William S Demchak
Chief Executive Officer
|
Sell | 50.0K | $11.5M |
| Feb 20, 2026 | William S Demchak
Chief Executive Officer
|
Grant | 11.9K | - |
| Feb 18, 2026 | Louis Robert Cestello
Officer
|
Sell | 4.3K | $1.0M |
| Feb 18, 2026 | Alexander E. C. Overstrom
Officer
|
Sell | 2.5K | $584.8K |
| Feb 18, 2026 | Stacy M Juchno
Officer
|
Grant | 867 | - |
| Feb 17, 2026 | Richard Kevin Bynum
Officer
|
Sell | 7.4K | $1.7M |
| Feb 13, 2026 | Richard Kevin Bynum
Officer
|
Grant | 1.5K | - |
| Feb 13, 2026 | Louis Robert Cestello
Officer
|
Grant | 433 | - |
| Feb 13, 2026 | Guild Deborah
Officer
|
Grant | 5.4K | - |
| Feb 13, 2026 | William S Demchak
Chief Executive Officer
|
Grant | 22.8K | - |
| Feb 13, 2026 | Vicki C Henn
Officer
|
Grant | 4.1K | - |
| Feb 13, 2026 | Stacy M Juchno
Officer
|
Grant | 1.8K | - |
| Feb 13, 2026 | Gregory H Kozich
Officer
|
Grant | 2.2K | - |
| Feb 13, 2026 | Laura L Long
Officer
|
Grant | 572 | - |
| Feb 13, 2026 | Stephanie Novosel
Officer
|
Grant | 572 | - |
| Feb 13, 2026 | Alexander E. C. Overstrom
Officer
|
Grant | 5.1K | - |
| Feb 13, 2026 | Robert Q. Reilly
Officer
|
Grant | 8.0K | - |
| Feb 13, 2026 | Amanda Rosseter Schab
Officer
|
Grant | 378 | - |
| Feb 13, 2026 | Michael Duane Thomas
Officer
|
Grant | 1.8K | - |
| Feb 12, 2026 | Richard Kevin Bynum
Officer
|
Grant | 2.5K | - |
| Feb 12, 2026 | Guild Deborah
Officer
|
Grant | 8.5K | - |
| Feb 12, 2026 | William S Demchak
Chief Executive Officer
|
Grant | 57.8K | - |
| Feb 12, 2026 | Vicki C Henn
Officer
|
Grant | 6.3K | - |
| Feb 12, 2026 | Stacy M Juchno
Officer
|
Grant | 3.0K | - |
| Feb 12, 2026 | Alexander E. C. Overstrom
Officer
|
Grant | 6.2K | - |
| Feb 12, 2026 | Robert Q. Reilly
Officer
|
Grant | 12.5K | - |
| Dec 5, 2025 | Louis Robert Cestello
Officer
|
Grant | 255 | - |
| Nov 4, 2025 | Michael Duane Thomas
Officer
|
Sell | 1.0K | $183.6K |
| Oct 24, 2025 | Guild Deborah
Officer
|
Sell | 1.1K | $201.9K |
| Oct 24, 2025 | Guild Deborah
Officer
|
Grant | 39 | - |
| Sep 11, 2025 | Alexander E. C. Overstrom
Officer
|
Sell | 1.0K | $203.3K |
| Sep 11, 2025 | Stacy M Juchno
Officer
|
Grant | 995 | - |
| Aug 27, 2025 | Linda R. Medler
Director
|
Sell | 71 | $14.6K |
| Jun 13, 2025 | E. William Parsley III
Officer
|
Sell | 7.7K | $1.3M |
| Jun 6, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $220.6K |
| May 30, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $217.3K |
| May 23, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $210.8K |
| May 20, 2025 | Mark Kenneth Wiedman
President
|
Buy | 20 | $3.6K |
| May 16, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $222.5K |
| May 12, 2025 | Kieran John Fallon
Officer
|
Sell | 1.5K | $260.4K |
| May 9, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $207.2K |
| May 2, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $202.6K |
| Apr 28, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 601 | $96.2K |
| Apr 25, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 641 | $101.6K |
| Apr 25, 2025 | Martin Pfinsgraff
Director
|
Buy | 1.0K | $158.2K |
| Apr 23, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 1.2K | $192.3K |
| Apr 21, 2025 | William S Demchak
Chief Executive Officer
|
Sell | 641 | $96.5K |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 16, 2026.