The PNC Financial Services Group, Inc. (PNC) Stock Price & Analysis

The PNC Financial Services Group, Inc. (PNC) closed at USD 225.53 on Thursday, October 22, 2026, up 1.18% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 222.89; the Oct 22, 2026 session ranged USD 221.56–225.65 on volume of 2,041,386 shares. Market capitalization is $89.97B, with a 52-week range of USD 177.08–258.96 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 08:45 UTC.

Also available as compact Markdown for AI agents: nexqual.com/PNC.md

Latest Earnings Results (PNC)

Fiscal periodEPS (reported)RevenueReleasedSource
Q3 2026$5.09 (adjusted (non-GAAP) diluted)$6.56BOct 15, 2026, 6:31:00 AM ET · on Nexqual +2 min 52 sPR Newswire

Reported actuals captured by Nexqual from SEC 8-K filings and company press releases; each figure confirmed by two independent extraction methods.

Key facts (PNC)

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PNC)

USDFY2021FY2022FY2023FY2024FY2025TTM
Revenue$19.2B$21.1B$21.5B$21.6B$23.1B$25.0B
Net income$5.72B$6.11B$5.65B$5.95B$7.00B$7.67B
EPS (diluted)$12.70$13.85$12.79$13.74$16.59—
Net margin29.8%28.9%26.3%27.6%30.3%30.6%
Revenue growth+13.7%+9.9%+1.8%+0.3%+7.2%—
Cash + short-term investments$82.3B$34.4B$50.7B$46.3B$39.7B—
Total debt—$58.7B$72.7B$61.7B$57.1B—

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (PNC)

P/E 11.7x · P/S 3.6x · P/B 1.4x · Earnings yield 8.52% · Dividend yield (paid, TTM) 3.05% · Buyback yield (TTM) 2.40%

P/E at fiscal year-ends: Dec 2025 11.8x, Dec 2024 13.0x, Dec 2023 11.0x.

Superinvestors (SEC 13F-HR, Q2 2026) (PNC)

5 of 80 tracked investors hold PNC (1 investor on Q3 2026, filed early). Each row is the investor's latest 13F; change is vs their prior-quarter share count.

InvestorFirm% of portfolioValueChangeQuarter
David KatzMatrix Asset Advisors3.18%$38.6MReduced -8.1%Q3 2026
Christopher DavisDavis Advisors0.52%$122MReduced -8.5%Q2 2026
Tweedy Browne0.25%$3.3MAdded +40.4%Q2 2026
Kahn BrothersKahn Brothers Group0.05%$279KUnchangedQ2 2026
Dodge & Cox FundsDodge & Cox<0.01%$3.4MReduced -0.3%Q2 2026

Insider sales (SEC Form 4, open-market, last ~7 months) (PNC)

0 of 6 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

Trade dateInsiderRoleSharesValue% of holdings sold10b5-1 planInsider type
2026-08-13Juchno Stacy M.Executive Vice President3,354$858K15.1%NoToo little history (no open-market trades in 2023 or 2025)
2026-07-22Deborah GuildExecutive Vice President1,200$303K3.2%NoToo little history (no open-market trades in 2024)
2026-06-12Thomas Michael DuaneExecutive Vice President1,500$357K22.9%NoToo little history (no open-market trades in 2023 or 2024)
2026-06-08Overstrom Alexander E. C.Executive Vice President1,500$342K7.1%NoToo little history (no open-market trades in 2023 or 2024)
2026-06-05Novosel StephanieExecutive Vice President1,800$412K29.2%NoToo little history (no open-market trades in 2023–2025)
2026-05-26Feldstein Andrew TDirector45,000$9.9M35%NoToo little history (no open-market trades in 2023 or 2025)

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (PNC)

Consensus Buy (mean 2.09 on a 1–5 scale), 23 analysts; mean target USD 263 (low 238, high 286).

Rating changes, last 120 days:

DateFirmActionRatingPrice target
2026-10-19CitigroupTarget loweredBuy$290 → $270
2026-10-19Evercore ISI GroupTarget loweredOutperform$265 → $260
2026-10-19Truist SecuritiesTarget loweredHold$252 → $248
2026-10-16Keefe, Bruyette & WoodsTarget loweredMarket Perform$260 → $250
2026-10-16Raymond JamesTarget loweredOutperform$275 → $255
2026-10-16OppenheimerTarget raisedOutperform$263 → $269
2026-10-16RBC CapitalTarget loweredOutperform$273 → $250
2026-10-16TD CowenTarget loweredHold$245 → $240
2026-10-05UBSTarget loweredBuy$288 → $286
2026-10-05Goldman SachsTarget loweredNeutral$281 → $250
2026-10-02JP MorganTarget loweredOverweight$269.5 → $258
2026-10-01Evercore ISI GroupTarget loweredOutperform$285 → $265

Total return (dividends reinvested) (PNC)

1Y (from 2025-10-23)5Y (from 2021-10-18)
Total return+28.0%+25.8%
S&P 500 (SPY)+14.9%+80.3%
Per year+28.1%+4.7%
Volatility (annualized)21.1%28.0%
Max drawdown-17.2% (Feb 2026→Mar 2026)-47.3% (Jan 2022→May 2023)

PNC revenue by business segment (quarter ended Jun 30, 2026)

LineRevenueShare of totalYoY
Retail Banking$4.52B65.7%+19.1%
Corporate Institutional Banking$921.0M13.4%+33.3%
Retail Banking1$692.0M10.1%+8.3%
Asset Management Group$268.0M3.9%+11.2%
Total revenue$6.88B100%—

PNC revenue by product line (quarter ended Jun 30, 2026)

LineRevenueShare of totalYoY
Capital Markets Related$424.0M6.2%+96.3%
Cash & Cash Management Fees$323.0M4.7%+5.9%
Asset Management Fees$268.0M3.9%+11.2%
Debit Card Fees$200.0M2.9%+9.9%
Lending & Deposit Services$197.0M2.9%+7.1%
Interchange Fees$196.0M2.9%+10.7%
Deposit Account Fees$180.0M2.6%+9.1%
Brokerage Fees$172.0M2.5%+14.7%
Asset Management Fees & Brokerage Fees$172.0M2.5%+14.7%
Credit Card Reward Costs$141.0M2.1%+11.0%
Net Credit Card Fees$55.0M0.8%+10.0%
Merchant Fees$37.0M0.5%-11.9%
Product & Service Other$28.0M0.4%+55.6%
Commercial & Residential Mortgage Banking Fees$26.0M0.4%-3.7%
Cash & Cash Management Fees Other$19.0M0.3%-5.0%
Lending & Deposit Services Other$17.0M0.2%-10.5%
Treasury Management Fees$12.0M0.2%+9.1%
Total revenue$6.88B100%—

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

PNC suppliers, customers and competitors (named in its 10-K)

RelationshipCompanySentence in the filing
CustomerVisa (V)“In addition, we provide card transaction processing services to some merchant customers under agreements we have with payment networks such as Visa and Mastercard.”
CustomerMastercard (MA)“In addition, we provide card transaction processing services to some merchant customers under agreements we have with payment networks such as Visa and Mastercard.”

Quoted from the company's 10-K filed Feb 20, 2026.

PNC company outlook (results filed Oct 15, 2026)

Quoted word-for-word from the SEC 8-K results press release.

PNC analyst estimates and revisions

PeriodEPS estimate90 days agoChangeRevenue estimateAnalysts
Current quarter (ends Dec 2026)$5.04$5.09-1.0%$6.83B17
Next quarter (ends Mar 2027)$5.03$5.04-0.2%$6.78B13
Current fiscal year (ends Dec 2026)$18.96$18.87+0.4%$26.37B20
Next fiscal year (ends Dec 2027)$21.38$21.50-0.6%$27.81B21

PNC options: expected move

Options price a move of about ±9.2% (±$20.85) by Jan 15, 2027, which includes earnings on Jan 15, 2027; the earnings reaction alone is priced at about ±0.7%. Over the last 8 reports the stock moved ±2.1% on average.

ExpirationDaysATM implied volatilityExpected move
Oct 30, 2026724.1%±2.9%
Nov 6, 20261423.9%±3.9%
Nov 13, 20262122.6%±4.5%
Nov 20, 20262822.5%±5.3%
Nov 27, 20263522.6%±5.7%
Dec 4, 20264221.8%±6.0%
Dec 18, 20265623.6%±7.6%
Jan 15, 20278423.5%±9.2%

30-day implied volatility 22.9% vs 19.1% realized over the last 30 trading days. Put/call ratio (volume) 0.86. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 23, 2026 at 08:45 UTC)

PriceUSD 225.53
Change▲ 1.18% (up)
Previous CloseUSD 222.89
OpenUSD 221.61
Day RangeUSD 221.56 – 225.65
52-Week RangeUSD 177.08 – 258.96
Volume2,041,386 shares
Market Cap$89.97B
ExchangeNYQ

Technical Analysis (PNC)

Nexqual's technical model rates PNC "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 08:45 UTC.

Overall SignalSELL
RSI (14)49.35 (neutral)
vs SMA50Below (USD 232.94)
MACD-3.23 (negative)

Analyst Ratings (PNC)

Wall Street analysts rate PNC "Buy" based on 23 analysts, with a mean price target of USD 263 (range USD 238–286), per Nexqual as of October 23, 2026 at 08:45 UTC.

Consensus RatingBuy
Analyst Count23
Mean TargetUSD 263
High TargetUSD 286
Low TargetUSD 238
Buy / Hold / Sell16 / 7 / 0

Earnings (PNC)

Next Earnings Date2027-01-15
EPS EstimateUSD 5.1
Revenue Estimate$6.83B

Recent Earnings History

QuarterActual vs Estimate
2026-09-30USD 4.97 vs est 4.89 ▲ beat
2026-06-30USD 4.81 vs est 4.45 ▲ beat
2026-03-31USD 4.13 vs est 3.95 ▲ beat
2025-12-31USD 4.88 vs est 4.21 ▲ beat

Source: Nexqual, October 23, 2026 at 08:45 UTC.

Financials & Fundamentals (PNC)

Total Revenue$24.94B
Revenue Growth (latest quarter, YoY)+10.90%
Gross Margin+0.00%
Operating Margin+41.14%
Profit Margin+31.67%
ROE+13.10%
Total Cash$6.53B
Total Debt$79.76B

Source: Nexqual, October 23, 2026 at 08:45 UTC.

Financial Health Score (PNC)

Nexqual rates The PNC Financial Services Group, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 08:45 UTC.

GrowthSolid — Revenue +7% YoY (annual)
ProfitabilityStrong — Net margin 28% (last 12 months); banks have no gross margin
Balance SheetN/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks)
Cash FlowN/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks)
EfficiencyMixed — ROE 13%, ROA 1.3%

Ownership (PNC)

Insider Ownership+0.30%
Institutional Ownership+85.99%
Shares Outstanding398.94M
Float394.37M
Short % of Float+1.82%

Source: Nexqual, October 23, 2026 at 08:45 UTC.

Leadership (PNC)

The PNC Financial Services Group, Inc. is led by William S. Demchak, Chairman & CEO, per Nexqual as of October 23, 2026 at 08:45 UTC.

Chairman & CEOWilliam S. Demchak
PresidentMark Kenneth Wiedman
Executive VP & CFORobert Q. Reilly
EVP, Director of Investor RelationsBryan K. Gill
Chief Marketing OfficerJenn Garbach

Major Backers & Investors (PNC)

Notable institutional backers of The PNC Financial Services Group, Inc. include FMR, LLC, NORGES BANK, Bank of America Corporation, according to Nexqual as of October 23, 2026 at 08:45 UTC.

Active Investors

InvestorStake
FMR, LLC3.57%
NORGES BANK2.54%
Bank of America Corporation2.14%
Franklin Resources, Inc.2.11%
Capital Group1.93%
Fidelity1.31%

Index Funds (Passive)

FundStake
Vanguard Group9.23%
BlackRock8.06%
State Street4.62%
Geode Capital2.39%

Source: Nexqual, October 23, 2026 at 08:45 UTC.

From The PNC Financial Services Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-20)

Legal & Regulatory Risks (Item 1A, quoted)

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

SymbolNamePriceChange
USBU.S. BancorpUSD 60.02▲ 1.64%
LYGLloyds Banking Group PlcUSD 5.38▼ 2%
IBNICICI Bank LimitedUSD 29.94▲ 1.35%
ITUBItau Unibanco Banco Holding SAUSD 9.49▼ 2.16%
NUNu Holdings Ltd.USD 14.73▼ 2.13%
NWGNatWest Group plcUSD 16.99▼ 2.3%

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 08:45 UTC. This page is informational and not investment advice.

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