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 period | EPS (reported) | Revenue | Released | Source |
|---|---|---|---|---|
| Q3 2026 | $5.09 (adjusted (non-GAAP) diluted) | $6.56B | Oct 15, 2026, 6:31:00 AM ET · on Nexqual +2 min 52 s | PR 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)
- Last four reported quarters (through Jun 30, 2026): revenue $25.0B, net income $7.67B (30.6% margin) (SEC filings).
- Valuation: P/E 11.7x (avg 11.9x at the last 3 fiscal year-ends).
- 5 of 80 tracked superinvestors hold PNC (13F, Q2 2026 (1 investor on Q3 2026, filed early)): 0 new, 1 added, 3 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 6 Form 4 filings, $12.2M; 6 not under a Rule 10b5-1 plan ($12.2M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.09 on a 1–5 scale) (23 analysts), mean target USD 263 (range 238–286).
- Total return with dividends: 1Y +28.0% vs S&P 500 +14.9%; 5Y +25.8% vs S&P 500 +80.3%.
- Next earnings: 2027-01-15, EPS estimate USD 5.04, revenue estimate $6.83B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PNC)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| 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 margin | 29.8% | 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.
| Investor | Firm | % of portfolio | Value | Change | Quarter |
|---|---|---|---|---|---|
| David Katz | Matrix Asset Advisors | 3.18% | $38.6M | Reduced -8.1% | Q3 2026 |
| Christopher Davis | Davis Advisors | 0.52% | $122M | Reduced -8.5% | Q2 2026 |
| Tweedy Browne | 0.25% | $3.3M | Added +40.4% | Q2 2026 | |
| Kahn Brothers | Kahn Brothers Group | 0.05% | $279K | Unchanged | Q2 2026 |
| Dodge & Cox Funds | Dodge & Cox | <0.01% | $3.4M | Reduced -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 date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-13 | Juchno Stacy M. | Executive Vice President | 3,354 | $858K | 15.1% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-07-22 | Deborah Guild | Executive Vice President | 1,200 | $303K | 3.2% | No | Too little history (no open-market trades in 2024) |
| 2026-06-12 | Thomas Michael Duane | Executive Vice President | 1,500 | $357K | 22.9% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-08 | Overstrom Alexander E. C. | Executive Vice President | 1,500 | $342K | 7.1% | No | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-05 | Novosel Stephanie | Executive Vice President | 1,800 | $412K | 29.2% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-05-26 | Feldstein Andrew T | Director | 45,000 | $9.9M | 35% | No | Too 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:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-19 | Citigroup | Target lowered | Buy | $290 → $270 |
| 2026-10-19 | Evercore ISI Group | Target lowered | Outperform | $265 → $260 |
| 2026-10-19 | Truist Securities | Target lowered | Hold | $252 → $248 |
| 2026-10-16 | Keefe, Bruyette & Woods | Target lowered | Market Perform | $260 → $250 |
| 2026-10-16 | Raymond James | Target lowered | Outperform | $275 → $255 |
| 2026-10-16 | Oppenheimer | Target raised | Outperform | $263 → $269 |
| 2026-10-16 | RBC Capital | Target lowered | Outperform | $273 → $250 |
| 2026-10-16 | TD Cowen | Target lowered | Hold | $245 → $240 |
| 2026-10-05 | UBS | Target lowered | Buy | $288 → $286 |
| 2026-10-05 | Goldman Sachs | Target lowered | Neutral | $281 → $250 |
| 2026-10-02 | JP Morgan | Target lowered | Overweight | $269.5 → $258 |
| 2026-10-01 | Evercore ISI Group | Target lowered | Outperform | $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)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Retail Banking | $4.52B | 65.7% | +19.1% |
| Corporate Institutional Banking | $921.0M | 13.4% | +33.3% |
| Retail Banking1 | $692.0M | 10.1% | +8.3% |
| Asset Management Group | $268.0M | 3.9% | +11.2% |
| Total revenue | $6.88B | 100% | — |
PNC revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Capital Markets Related | $424.0M | 6.2% | +96.3% |
| Cash & Cash Management Fees | $323.0M | 4.7% | +5.9% |
| Asset Management Fees | $268.0M | 3.9% | +11.2% |
| Debit Card Fees | $200.0M | 2.9% | +9.9% |
| Lending & Deposit Services | $197.0M | 2.9% | +7.1% |
| Interchange Fees | $196.0M | 2.9% | +10.7% |
| Deposit Account Fees | $180.0M | 2.6% | +9.1% |
| Brokerage Fees | $172.0M | 2.5% | +14.7% |
| Asset Management Fees & Brokerage Fees | $172.0M | 2.5% | +14.7% |
| Credit Card Reward Costs | $141.0M | 2.1% | +11.0% |
| Net Credit Card Fees | $55.0M | 0.8% | +10.0% |
| Merchant Fees | $37.0M | 0.5% | -11.9% |
| Product & Service Other | $28.0M | 0.4% | +55.6% |
| Commercial & Residential Mortgage Banking Fees | $26.0M | 0.4% | -3.7% |
| Cash & Cash Management Fees Other | $19.0M | 0.3% | -5.0% |
| Lending & Deposit Services Other | $17.0M | 0.2% | -10.5% |
| Treasury Management Fees | $12.0M | 0.2% | +9.1% |
| Total revenue | $6.88B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
PNC suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Visa (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.” |
| Customer | Mastercard (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)
- “We are well positioned, and remain confident in our long-term outlook." - more - PNC Reports Third Quarter 2026 Net Income of $2.1 Billion, $4.97 Diluted EPS or $5.09 As Adjusted – Page 2 Integration Costs and Significant Items In the third quarter of 2026, PNC incurred integration costs related to the FirstBank acquisition of $36 million.”
- “Share repurchase activity in the fourth quarter of 2026 is expected to approximate third quarter of 2026 share repurchase levels.”
- “These statements are based on our views that: – PNC's baseline forecast remains for continued expansion in 2026 into 2027.”
- “We expect real GDP growth above 2% in 2026, with continued modest job gains and the unemployment rate holding roughly steady.”
Quoted word-for-word from the SEC 8-K results press release.
PNC analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $5.04 | $5.09 | -1.0% | $6.83B | 17 |
| Next quarter (ends Mar 2027) | $5.03 | $5.04 | -0.2% | $6.78B | 13 |
| Current fiscal year (ends Dec 2026) | $18.96 | $18.87 | +0.4% | $26.37B | 20 |
| Next fiscal year (ends Dec 2027) | $21.38 | $21.50 | -0.6% | $27.81B | 21 |
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.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Oct 30, 2026 | 7 | 24.1% | ±2.9% |
| Nov 6, 2026 | 14 | 23.9% | ±3.9% |
| Nov 13, 2026 | 21 | 22.6% | ±4.5% |
| Nov 20, 2026 | 28 | 22.5% | ±5.3% |
| Nov 27, 2026 | 35 | 22.6% | ±5.7% |
| Dec 4, 2026 | 42 | 21.8% | ±6.0% |
| Dec 18, 2026 | 56 | 23.6% | ±7.6% |
| Jan 15, 2027 | 84 | 23.5% | ±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)
| Price | USD 225.53 |
|---|---|
| Change | ▲ 1.18% (up) |
| Previous Close | USD 222.89 |
| Open | USD 221.61 |
| Day Range | USD 221.56 – 225.65 |
| 52-Week Range | USD 177.08 – 258.96 |
| Volume | 2,041,386 shares |
| Market Cap | $89.97B |
| Exchange | NYQ |
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 Signal | SELL |
|---|---|
| RSI (14) | 49.35 (neutral) |
| vs SMA50 | Below (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 Rating | Buy |
|---|---|
| Analyst Count | 23 |
| Mean Target | USD 263 |
| High Target | USD 286 |
| Low Target | USD 238 |
| Buy / Hold / Sell | 16 / 7 / 0 |
Earnings (PNC)
| Next Earnings Date | 2027-01-15 |
|---|---|
| EPS Estimate | USD 5.1 |
| Revenue Estimate | $6.83B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 4.97 vs est 4.89 ▲ beat |
| 2026-06-30 | USD 4.81 vs est 4.45 ▲ beat |
| 2026-03-31 | USD 4.13 vs est 3.95 ▲ beat |
| 2025-12-31 | USD 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.
| Growth | Solid — Revenue +7% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 28% (last 12 months); banks have no gross margin |
| Balance Sheet | N/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 Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 13%, ROA 1.3% |
Ownership (PNC)
| Insider Ownership | +0.30% |
|---|---|
| Institutional Ownership | +85.99% |
| Shares Outstanding | 398.94M |
| Float | 394.37M |
| 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 & CEO | William S. Demchak |
|---|---|
| President | Mark Kenneth Wiedman |
| Executive VP & CFO | Robert Q. Reilly |
| EVP, Director of Investor Relations | Bryan K. Gill |
| Chief Marketing Officer | Jenn 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
| Investor | Stake |
|---|---|
| FMR, LLC | 3.57% |
| NORGES BANK | 2.54% |
| Bank of America Corporation | 2.14% |
| Franklin Resources, Inc. | 2.11% |
| Capital Group | 1.93% |
| Fidelity | 1.31% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 9.23% |
| BlackRock | 8.06% |
| State Street | 4.62% |
| Geode Capital | 2.39% |
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)
- The impact of government legislation, regulation and policy and other political factors on the economy could have an adverse effect on our business and financial performance.
- Privacy and personal data rights initiatives have imposed and will continue to impose additional operational burdens on PNC, and they may limit our ability to pursue desirable business initiatives and increase the risks associated with any future gathering, maintenance, use, transmission and other processing of personal information.
- The results of litigation and governmental investigations that may be pending at the time of the acquisition or that may be filed or commenced thereafter, because of an acquisition or otherwise, are often hard to predict.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| USB | U.S. Bancorp | USD 60.02 | ▲ 1.64% |
| LYG | Lloyds Banking Group Plc | USD 5.38 | ▼ 2% |
| IBN | ICICI Bank Limited | USD 29.94 | ▲ 1.35% |
| ITUB | Itau Unibanco Banco Holding SA | USD 9.49 | ▼ 2.16% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
| NWG | NatWest Group plc | USD 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.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt