PNC
PNC Financial Services
Financials · Diversified Banks · US
$228.37
Data:
✗ ETHICAL FAIL

MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics

How this company measures up on the fundamentals that matter

Market Cap
$87.1B
Total market value of the company
12.60
Reasonably valued
10.30
Based on estimated future earnings — lower means cheaper
Rev Growth
+13.8%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
12.1%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$254.95
+12% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 20 analysts covering this stock
About PNC Financial Services

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, digital channels, ATMs, and through phone-based customer contact centers. The Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management, receivables and disbursement management, funds transfer, international payment, and access to online/mobile information management and reporting services; asset-backed financing, securities underwriting, loan syndications, mergers and acquisitions and equity capital markets advisory, and customer related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services. It also offers outsourced chief investment officer, custody, cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients. The company was founded in 1865 and is headquartered in Pittsburgh, Pennsylvania.

https://www.pnc.com

Country: United States Employees: 56,366 Industry: Banks - Regional
Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
$420.00
What our model estimates this business is worth per share
45.6%
Trading below fair value — margin of safety exists
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
72.9th
Ranks in the top 27% of our 13,571 screened universe
Ethical Score
10.0
Valuation Score
88.0
Quality Score
46.0
Combined
45.6

Trading at $217 against a fair value of $420, a 48% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 81% of screened stocks.

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

MARKDOWN
Price trending down — defensive positioning
1.033
Excellent risk-adjusted returns
0.0824
Suggested allocation is meaningful — the edge justifies a position
0.836
Acceptable balance between returns and drawdown risk
Annual Return
24.9%
Historical annualised return based on price data
-29.8%
Largest peak-to-trough decline — the worst it has been
BEAR
Statistical model detects bearish conditions
Days in State
264
How long the current regime has persisted — longer means more stable
Market Data

Trading characteristics and market positioning

0.93
Less volatile than the market — more defensive
52W High
$243.94
6% below the year high
52W Low
$169.32
35% above the year low
Avg Volume
2,322,911
Average daily shares traded — higher means easier to buy and sell
3.1
Days it would take all short sellers to cover — higher means more crowded
Short % Float
1.7%
Low short interest — limited bearish positioning
314.0%
Annual dividend as a percentage of the share price
$17.22
Earnings per share over the last 12 months
Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Quick Ratio
N/A
Like current ratio but excludes inventory — stricter test
Gross Margin
N/A
Revenue left after cost of goods — higher means pricing power
Operating Margin
36.7%
Profit from core operations before interest and tax
N/A
Negative — the business is spending more than it generates
Revenue (TTM)
$23.0B
Total revenue over the last 12 months
Net Income
$6.9B
Profitable — the bottom line is positive
Analyst Coverage
Analysts
20
Target High
$280.00
Target Median
$254.95
Target Low
$235.00
Recent Insider Activity

SEC Form 4 filings — what company insiders are buying and selling

55
NEUTRAL
Mixed insider activity. 0 purchases and 0 sales in the last 90 days — no clear directional signal. Politicians have been buying this name.
Date Insider Title Type Shares Value
2026-04-17 WIEDMAN MARK KENNETH President 4,551
2026-03-09 MEDLER LINDA R. Director 20 $4,008
2026-02-23 DEBORAH GUILD Officer 3,162
2026-02-20 DEMCHAK WILLIAM S Chief Executive Officer 11,897
2026-02-20 DEMCHAK WILLIAM S Chief Executive Officer 50,000 $11,544,000
2026-02-18 JUCHNO STACY M Officer 867
2026-02-18 OVERSTROM ALEXANDER E. C. Officer 2,500 $584,775
2026-02-18 CESTELLO LOUIS ROBERT Officer 4,279 $1,001,329
2026-02-17 BYNUM RICHARD KEVIN Officer 7,407 $1,710,847
2026-02-13 DEMCHAK WILLIAM S Chief Executive Officer 22,773
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity

Congressional trading disclosures involving this instrument

Date Politician Party Type Amount
2026-04-13 Ro Khanna Democrat Purchase 1K–15K
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated:

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