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As of September 26, 2026, The PNC Financial Services Group, Inc. (PNC) trades at $225.64. CleaRank Financial AI rates it Sell with a fair value of $225.64, in line with the current price. Wall Street's consensus target is $279.00 across 22 analysts. RSI at 22 is in oversold territory, and the price is below its 50-day average of $244.97.
The PNC Financial Services Group, Inc. (PNC)
The PNC Financial Services Group, Inc. NYSE
$225.64
2.300 (1.03%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
21 / 100
The PNC Financial Services Group, Inc. (PNC) is currently trading at $225.64, significantly below its 50-day SMA of $244.97 and its 200-day SMA of $227.75. The Relative Strength Index (RSI) is significantly oversold at 21.63, indicating strong bearish momentum in the short term. Despite these technical indicators, Wall Street maintains a generally positive outlook with a consensus rating of 'Buy' and a median price target of $279.00, implying an upside of 23.6% from the current price. Fundamental analysis shows a P/E ratio of 12.43, which is below the sector median of 16.5. The company's profit margin of 31.37% and return on equity of 12.62% are respectable, though slightly below sector averages. However, the current price action suggests that these fundamentals are not currently supporting the stock, with insider activity showing a net seller position and substantial sales totaling $31.5 million. The company's recent earnings have shown positive surprises, with EPS beating estimates in the last reported quarter (June 2026) by 8.09%. Revenue growth has also been strong, with current year estimates showing a 14.00% increase year-over-year. Analysts project continued earnings growth of approximately 10.8% next year and a 5-year compound annual growth rate of 12.6%.
PNC Price Analysis
Market Metrics
Open
$223.58
Day Range
$223.09 to $226.53
Prev Close
$223.34
Volume
1.90M
52-Week Range
$176.88 to $258.96
Market Cap
$90.02B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-25%), which may indicate undervaluation or specific company headwinds.
PNC Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, PNC beat estimates 4 times. However, the stock fell 2 times the next day. This suggests positive news is often "priced in" or investors are selling the news.
PNC Analysis
Company's Health
3/5
AI Technical Analysis
PNC Financial Services Group is currently trading below its 50-day and 200-day moving averages ($244.97 and $227.75), indicating a bearish trend. The 50-day SMA is acting as resistance, with the price currently below the 20-day EMA ($235.32) as well. The RSI is significantly oversold at 21.63, suggesting a potential for a short-term bounce, but the MACD at -5.4969 indicates bearish momentum. Volume on the latest trading day was 1.90 million shares, slightly below the average of 2.06 million shares, suggesting a lack of strong conviction behind the current price action. Key support levels are difficult to ascertain given the current oversold conditions and trend, but the 200-day SMA at $227.75 is a significant psychological level. The stochastic indicator at 18.97 also points to oversold conditions.
ProTips
- Given the significantly oversold RSI and price below key moving averages, consider waiting for technical confirmation of a bottom before initiating new positions.
- Insider selling totaling $31.5 million warrants close monitoring; any shift to net buying activity could signal a change in management sentiment.
- As a regional bank, PNC's performance is closely tied to interest rate movements and regional economic health. Monitor Federal Reserve policy and economic indicators for the Mid-Atlantic region.
Key Catalysts
Bearish
Continued Price Weakness Below 200-Day SMA
PNC's stock is trading below its 200-day SMA of $227.75, indicating a sustained bearish trend that could lead to further price declines if not reversed.
Source: Technical AnalysisBearish
Significant Insider Selling Activity
Insiders have sold a total of $31.5 million in stock, signaling potential concerns about the company's near-term prospects or valuation from management's perspective.
Source: Insider TransactionsBullish
Positive Earnings Surprises
PNC has consistently beaten EPS estimates, most recently by 8.09% in the June 2026 quarter, demonstrating operational resilience and effective management.
Source: Earnings ReportsBullish
Strong Balance Sheet and Below-Sector P/E
A very low debt-to-equity ratio of 0.01 and a P/E ratio below the sector median suggest financial stability and potential undervaluation.
Source: Fundamental AnalysisMarket Outlook
The base case scenario for PNC Financial Services Group over the next 6-12 months is cautious, given the current technical downtrend and oversold conditions. While Wall Street's median price target of $279.00 suggests potential upside, the stock's inability to hold below its 200-day SMA ($227.75) at $227.75 is a significant concern. A sustained move back above the 50-day SMA ($244.97) would be required to signal a reversal of the current bearish momentum. Upside catalysts could include a broader market recovery or positive sector-specific news that lifts financial services stocks. Conversely, a failure to rebound from oversold levels, coupled with continued insider selling or unexpected macroeconomic headwinds impacting the banking sector, could push the stock towards its long-range projection downside price of $146.05. The company's strong fundamentals and positive earnings surprises provide a floor, but technicals and insider sentiment currently dominate the near-term outlook.
Key Statistics
| Market Cap | 90.02B |
|---|---|
| P/E Ratio | 12.43 |
| EPS (TTM) | 18.16 |
| Dividend Yield | 3.15% |
| 52 Week High | 258.96 |
| 52 Week Low | 176.88 |
PNC Financial Services Group exhibits a P/E ratio of 12.43, which is below the sector median of 16.5, suggesting a potentially attractive valuation on a relative basis. The company's price-to-sales ratio stands at 3.70, compared to the sector average of 3.8. Its return on equity is 12.62%, slightly below the sector median of 13.8, while its profit margin of 31.37% and operating margin of 38.69% are strong, exceeding the sector averages. The company's balance sheet appears strong, with a very low debt-to-equity ratio of 0.01, significantly lower than the sector average. This indicates a strong financial position and low leverage. Despite the solid fundamental metrics and a below-sector-average P/E, the current stock price is under pressure, trading below key moving averages, which warrants caution.
Earnings & Growth Analysis
PNC Financial Services Group recently reported an EPS of $4.81 for the quarter ending June 2026, beating the analyst estimate of $4.45 by 8.09%, and the stock saw a modest price increase of 0.41%. This follows a pattern of positive earnings surprises, including a 15.91% beat in the quarter ending December 2025. Revenue growth for the current year is estimated at 14.00% year-over-year, with analysts projecting continued growth of 10.8% next year.
Key Risks
The primary risk for PNC Financial Services Group is the current technical weakness, with the stock trading significantly below its key moving averages and exhibiting oversold conditions, suggesting potential for further downside. Insider activity indicates a net seller position, with substantial sales totaling $31.5 million, which could signal a lack of confidence from management in the near term. Additionally, while the consensus rating is 'Buy', the divergence between the technicals and Wall Street sentiment could lead to increased volatility.
Technical Indicators
| RSI (14) | 21.63 |
|---|---|
| MACD | -5.50 |
| SMA 50 | 244.97 |
| SMA 200 | 227.75 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($244.97) above the 200-day SMA ($227.75), price is trading below the 50-day SMA, RSI at 21.6 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.59
Moderate correlation
Nasdaq 100 (QQQ)
+0.44
Moderate correlation
Bitcoin (BTC)
+0.12
Weak correlation
Gold (XAU)
-0.02
Weak correlation
Check Custom Correlation
How does any other asset move with PNC? One year of daily closes, Pearson correlation.
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PNC Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Short entry pick an entry style
Conservative
$230.15
2% above current price
Lower risk, wait for rally
Aggressive
$225.64
Short at current price
Higher risk, chasing the move
Risk Management
STOP LOSS
$237.75
MAX LOSS
-3.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (21.6) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$218.65
-5% (Conservative)
-3.1% (Aggressive)
TARGET 2
$207.14
-10% (Conservative)
-8.2% (Aggressive)
TARGET 3
$195.63
-15% (Conservative)
-13.3% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for PNC is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 26, 2026.Growth of $10,000
A $10,000 investment in PNC in September 2016 would be worth about $25,708 today, compared with about $36,004 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in PNC today could grow to about $22,748 by 2036 in the base case, with a bull case near $76,104 and a bear case around $6,799. Projections are statistical simulations, not guarantees.
PNC Stock Price Prediction: 2030
CleaRank's simulation projects a price near $313 for PNC by 2030 in the base case, from $226 today (1.4x over 4 years). The downside path ends near $146. 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 | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $167 | $245 | $359 |
| 2028 | $155 | $266 | $456 |
| 2029 | $149 | $289 | $559 |
| 2030 | $146 | $313 | $673 |
| 2031 | $145 | $340 | $799 |
| 2032 | $145 | $369 | $942 |
| 2033 | $146 | $401 | $1,102 |
| 2034 | $148 | $435 | $1,283 |
| 2035 | $150 | $473 | $1,487 |
| 2036 | $153 | $513 | $1,717 |
Method: 10,000 simulated price paths using PNC's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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PNC Insider Trading Analysis
Bought
$165.8K
3 Transactions
Sold
$31.5M
30 Transactions
Insiders
19
Active Traders
Avg Transaction
$960.4K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Nov 8, 2019 | DEMCHAK WILLIAM S
Chief Executive Officer
|
Sell | 129.4K | $19.7M |
| Feb 20, 2026 | DEMCHAK WILLIAM S
Chief Executive Officer
|
Sell | 50.0K | $11.5M |
| Jul 23, 2019 | DEMCHAK WILLIAM S
Chief Executive Officer
|
Sell | 75.0K | $10.5M |
| May 26, 2026 | FELDSTEIN ANDREW T
Director
|
Sell | 45.0K | $9.9M |
| Nov 11, 2024 | FELDSTEIN ANDREW T
Director
|
Sell | 30.0K | $6.3M |
| Jul 24, 2019 | REILLY ROBERT Q.
Officer
|
Sell | 25.0K | $3.5M |
| Dec 3, 2019 | PARSLEY E. WILLIAM III
Officer
|
Sell | 20.0K | $3.0M |
| Sep 12, 2019 | DEMCHAK WILLIAM S
Chief Executive Officer
|
Sell | 17.1K | $2.3M |
| Mar 2, 2020 | LYONS MICHAEL P
Officer
|
Sell | 15.9K | $2.0M |
| Jul 31, 2024 | LYONS MICHAEL P
President
|
Sell | 11.0K | $2.0M |
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Frequently Asked Questions
Is PNC stock a buy right now?
PNC stock is currently trading at $225.64 with a 'Sell' consensus rating from our AI analysis due to significant technical weakness, including prices below key moving averages and an oversold RSI. However, Wall Street analysts maintain a 'Buy' consensus with a median price target of $279.00, suggesting potential upside.
What is PNC's stock price forecast for 2030?
Based on Monte Carlo simulations, PNC's stock price forecast for 2030 shows a base case of $313.47, a downside projection of $146.05, and an upside projection of $672.81. These are statistical outcomes, not guarantees.
How are PNC's recent earnings?
PNC recently reported an EPS of $4.81 for the quarter ending June 2026, beating estimates by 8.09%. This continues a trend of positive earnings surprises, indicating solid operational performance.
What is PNC's valuation compared to its sector?
PNC's P/E ratio of 12.43 is below the sector median of 16.5, and its price-to-sales ratio of 3.70 is in line with the sector average. Its return on equity of 12.62% is slightly below the sector median, but its profit margins are strong.
What are the main risks facing PNC Financial Services Group?
Key risks include the stock's current technical weakness, trading below critical moving averages with oversold indicators. Significant insider selling, totaling $31.5 million, also presents a concern regarding management's short-term outlook.
What is the outlook for PNC's revenue growth?
PNC is expected to see strong revenue growth, with current year estimates at 14.00% year-over-year. Analysts project this growth to continue at 10.8% next year and maintain a 5-year compound annual growth rate of approximately 12.6%.
How does PNC's balance sheet strength compare to its peers?
PNC boasts a very strong balance sheet with a debt-to-equity ratio of 0.01, significantly lower than the sector average. This indicates minimal financial leverage and a strong financial foundation.