PNC FINANCIAL SERVICES GROUP, INC. (PNC) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does PNC FINANCIAL SERVICES GROUP, INC. Do?
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers brokerage, insurance, and investment and cash management services; checking, savings, and money market accounts; certificates of deposits; and lending products, which includes residential mortgages, home equity loans and lines of credit, auto loans, education loans, and personal and small business loans, and credit cards to consumer and small business customers through a network of branches, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting services; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions for the commercial real estate finance industry. The company's Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, private banking, and trust management and administration solutions; and multi-generational family planning products, such as estate, financial, tax planning, fiduciary, and customized performance reporting services. This segment also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services. As of December 31, 2021, it operated 2,629 branches and 9,523 ATMs. The PNC Financial Services Group, Inc. was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania. PNC FINANCIAL SERVICES GROUP, INC. (PNC) is classified as a large-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO William S. Demchak and employs approximately 61,500 people, headquartered in Pittsburgh, Pennsylvania. With a market capitalization of $84.4B, PNC is one of the prominent companies in the Financials sector.
PNC FINANCIAL SERVICES GROUP, INC. (PNC) Stock Rating — Hold (April 2026)
As of April 2026, PNC FINANCIAL SERVICES GROUP, INC. receives a Hold rating with a composite score of 54.4/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.PNC ranks #946 out of 4,446 stocks in our coverage universe. Within the Financials sector, PNC FINANCIAL SERVICES GROUP, INC. ranks #289 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
PNC Stock Price and 52-Week Range
PNC FINANCIAL SERVICES GROUP, INC. (PNC) currently trades at $221.13. The stock lost $2.10 (0.9%) in the most recent trading session. The 52-week high for PNC is $243.94, which means the stock is currently trading -9.4% from its annual peak. The 52-week low is $145.12, putting the stock 52.4% above its annual trough. Recent trading volume was 1.8M shares, reflecting moderate market activity.
Is PNC Overvalued or Undervalued? — Valuation Analysis
PNC FINANCIAL SERVICES GROUP, INC. (PNC) carries a value factor score of 65/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 13.34x, compared to the Financials sector average of 14.88x — a discount of 10%. The price-to-book ratio stands at 1.42x, versus the sector average of 1.22x. The price-to-sales ratio is 3.84x, compared to 0.90x for the average Financials stock. On an enterprise value basis, PNC trades at 17.25x EV/EBITDA, versus 3.26x for the sector.
Overall, PNC's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.
PNC FINANCIAL SERVICES GROUP, INC. Profitability — ROE, Margins, and Quality Score
PNC FINANCIAL SERVICES GROUP, INC. (PNC) earns a quality factor score of 58/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.7%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.1% versus the sector average of 1.2%.
On a margin basis, PNC FINANCIAL SERVICES GROUP, INC. reports gross margins of 0.0%. The operating margin is 35.6% (sector: 21.8%). Net profit margin stands at 28.8%, versus 17.7% for the average Financials stock. Revenue growth is running at 9.3% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.
PNC Debt, Balance Sheet, and Financial Health
PNC FINANCIAL SERVICES GROUP, INC. has a debt-to-equity ratio of 94.0%, compared to the Financials sector average of 121.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 1.12x, suggesting adequate working capital coverage. Total debt on the balance sheet is $57.10B. Cash and equivalents stand at $5.55B.
PNC has a beta of 0.94, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for PNC FINANCIAL SERVICES GROUP, INC. is 81/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.
PNC FINANCIAL SERVICES GROUP, INC. Revenue and Earnings History — Quarterly Trend
In TTM 2026, PNC FINANCIAL SERVICES GROUP, INC. reported revenue of $22.46B and earnings per share (EPS) of $16.60. Net income for the quarter was $6.47B. Gross margin was 0.0%. Operating income came in at $8.02B.
In FY 2025, PNC FINANCIAL SERVICES GROUP, INC. reported revenue of $23.10B and earnings per share (EPS) of $16.60. Net income for the quarter was $7.00B. Revenue grew 7.2% year-over-year compared to FY 2024. Operating income came in at $8.49B.
In Q3 2025, PNC FINANCIAL SERVICES GROUP, INC. reported revenue of $5.92B and earnings per share (EPS) of $4.36. Net income for the quarter was $1.82B. Revenue grew 8.9% year-over-year compared to Q3 2024. Operating income came in at $2.29B.
In Q2 2025, PNC FINANCIAL SERVICES GROUP, INC. reported revenue of $5.66B and earnings per share (EPS) of $3.86. Net income for the quarter was $1.64B. Revenue grew 4.6% year-over-year compared to Q2 2024. Operating income came in at $2.02B.
Over the past 8 quarters, PNC FINANCIAL SERVICES GROUP, INC. has demonstrated a growth trajectory, with revenue expanding from $5.41B to $22.46B. Investors analyzing PNC stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
PNC Dividend Yield and Income Analysis
PNC FINANCIAL SERVICES GROUP, INC. (PNC) currently pays a dividend yield of 3.3%. At this yield, a $10,000 investment in PNC stock would generate approximately $$326.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning PNC offers above-average income for its sector. With a net margin of 28.8%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.
PNC Momentum and Technical Analysis Profile
PNC FINANCIAL SERVICES GROUP, INC. (PNC) has a momentum factor score of 52/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 29/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 31/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
PNC vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, PNC FINANCIAL SERVICES GROUP, INC. (PNC) ranks #289 out of 891 stocks based on the Blank Capital composite score. This places PNC in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing PNC against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PNC vs S&P 500 (SPY) comparison to assess how PNC FINANCIAL SERVICES GROUP, INC. stacks up against the broader market across all factor dimensions.
PNC Next Earnings Date
No upcoming earnings date has been announced for PNC FINANCIAL SERVICES GROUP, INC. (PNC) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy PNC? — Investment Thesis Summary
PNC FINANCIAL SERVICES GROUP, INC. presents a balanced picture with arguments on both sides. The value score of 65/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 81/100) reduces downside risk.
In summary, PNC FINANCIAL SERVICES GROUP, INC. (PNC) earns a Hold rating with a composite score of 54.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PNC stock.
Related Resources for PNC Investors
Explore more research and tools: PNC vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PNC head-to-head with peers: PNC vs WTM, PNC vs OPY, PNC vs ACT.