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Upturn AI Summary - About
PNC Financial Services Group Inc(PNC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PNC
09/23/2026: PNC (5-star) is currently NOT-A-BUY. Pass it for now.
PNC Financial Services Group is a major US-based financial institution offering retail, corporate, and wealth management services. The company has a leading position in its regional markets and is known for strong margins and a disciplined, diversified revenue model. Its primary growth strategy focuses on expanding its national digital footprint and scaling high-margin fee businesses. Key risks include intense competition from fintechs and large national banks, alongside potential sensitivity to interest rate fluctuations. PNC is well-suited for value and dividend-focused investors, provided they monitor the company’s ability to manage digital integration costs and navigate evolving regulatory environments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely driven by acquisition and economic cycles rather than rapid, organic innovation. |
| Momentum investor | Mixed fit | Momentum is conditional on positive sector trends and interest rate favorability. |
| Value investor | Strong fit | PNC often trades at reasonable valuation multiples relative to earnings and book value. |
| Dividend investor | Strong fit | The company has a consistent history of dividend payments and a stable payout policy. |
| Low-risk investor | Strong fit | PNC is a well-capitalized, regulated institution with a conservative approach to risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market and sector-specific sentiment shifts. |
| Valuation risk | Medium | Market pricing of regional banks fluctuates significantly based on economic outlook. |
| Competition risk (Banking) | High | Aggressive competition for deposits and loans from digital-first banks and large national institutions. |
| Business quality | Strong | PNC possesses a strong franchise and a diversified revenue model. |
| Dividend income | Medium / high | Income reliability is strong, but dependent on sustained profitability. |
| Execution risk | Medium | Successful management of integration and digital transformation is critical to long-term success. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 85.34% | Avg. Invested days 82 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 89.38B USD | Price to earnings Ratio 12.54 | 1Y Target Price 277.82 |
Price to earnings Ratio 12.54 | 1Y Target Price 277.82 | ||
Volume (30-day avg) 1.6M shares | Beta 0.89 | 52 Weeks Range 172.82 - 258.96 | Updated Date 09/24/2026 |
52 Weeks Range 172.82 - 258.96 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 2.98% | Basic EPS (TTM) 17.86 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and borrowings. | The primary way banks make money—the spread between what they earn on loans and pay on savings. |
| Fee-Based Revenue | Service charges, asset management fees, and capital markets advisory fees. | Stable, non-interest income from services like wealth management that helps insulate profits. |
| Geography (US) | Extensive presence across the Eastern and Central United States. | Concentration in domestic US markets keeps the business focused on the American economic cycle. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.54 | Forward PE 10.87 | Enterprise Value 169.81B | Price to Sales(TTM) 3.68 |
Enterprise Value 169.81B | Price to Sales(TTM) 3.68 | ||
Enterprise Value to Revenue 7.19 | Enterprise Value to EBITDA - | Shares Outstanding 398.94M | Shares Floating 396.07M |
Shares Outstanding 398.94M | Shares Floating 396.07M | ||
Percent Insiders 0.3 | Percent Institutions 85.6 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
News (Last Updated: 09/24/2026)
About PNC Financial Services Group Inc
Exchange NYSE | Headquarters Pittsburgh, PA, United States | ||
IPO Launch date 1988-09-07 | Chairman & CEO Mr. William S. Demchak | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 55704 | Website https://www.pnc.com |
Full time employees 55704 | Website https://www.pnc.com | ||
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.
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