PNC Financial Services (PNC)

Financial Services · Banks - Regional · S&P 500
$220.16 -0.05% on the day Market cap $89.8B 52-week range $176.88 to $258.96 Prices as of Oct 7, 2026

What the price implies

A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.

PNC Financial Services's free cash flow isn't comparable to its market value here, so a cash-flow reverse DCF doesn't give a meaningful answer. The Modeling tab works from revenue and margins instead.

Fundamental grade

C

Five factors scored 1 to 9 from PNC's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.

Valuation6
Profitability6
Growth8
Financial health1

Key numbers

P/E (trailing)13.0x
P/E (forward)12.4x
Price / free cash flow20.5x
EV / EBITDA15.4x
Price / sales3.59x
Price / book1.44x
Revenue growth+21.4%
Operating margin—
Net margin30.6%
Return on equity12.0%
Dividend yield3.0%
Debt / equity8.62x

Results from SEC filings

Fiscal years, from PNC Financial Services's 10-K filings. The deep dive has 15+ years, quarters and every line.

Fiscal year20212022202320242025
Revenue$19.2B$21.1B$21.5B$21.6B$23.1B
Net income$5.7B$6.1B$5.6B$6.0B$7.0B
Free cash flow—————
EPS (diluted)$12.70$13.85$12.79$13.74$16.59
Operating margin—————

Where the revenue comes from

Revenue by segments, fiscal 2025.

Retail Banking$14.9B53%
Corporate & Institutional Banking$11.2B40%
Asset Management Group$1.7B6%

Superinvestors who own PNC

From each investor's latest 13F filing (what a 13F shows). 9 of the investors we track hold it.

InvestorLast quarterValue% of portfolioQuarter
Cliff Asness
AQR Capital Management
Trimmed $1.0B0.36%Q2 2026
Hersh Cohen
ClearBridge Investments
Trimmed $478M0.40%Q2 2026
Charles Brandes
Brandes Investment Partners, LP
Trimmed $167M1.2%Q2 2026
Mario Gabelli
GAMCO Investors
Trimmed $31M0.28%Q2 2026
Will Nasgovitz
Heartland Advisors
Trimmed $9M0.41%Q2 2026
Joel Greenblatt
Gotham Asset Management
Trimmed $4M0.01%Q2 2026
Dodge & Cox
Dodge & Cox
Trimmed $3M0.00%Q2 2026
Tweedy, Browne
Tweedy, Browne Company
Added $3M0.25%Q2 2026
Thomas Kahn
Kahn Brothers Group
Held $330,4270.05%Q2 2026

Insider buying

Open-market purchases by PNC Financial Services's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.

DateInsiderSharesPriceValue
Mar 12, 2026 Shelley Moore Capito
0$202.53—
Mar 12, 2026 Shelley Moore Capito
0$202.53—
Mar 9, 2026 Linda R Medler
20$200.38$4,008

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In the full deep dive

DCF fair value per share
Yearly return (IRR) at today's price
Growth implied by revenue and margins
15+ years of statements and quarters

Questions

Are PNC Financial Services insiders buying the stock?

3 open-market insider purchases of PNC in the last 12 months, from SEC Form 4 filings.

Which superinvestors own PNC Financial Services?

9 of the superinvestors Investingly tracks hold PNC in their latest 13F, including Cliff Asness, Hersh Cohen, Charles Brandes.

Prices and ratios as of Oct 7, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.