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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
11/13/2026: PNC (4-star) is a STRONG-BUY. BUY for 1 day. Simulated Profits (0.00%). Updated daily EoD!
PNC Financial Services Group is a major diversified bank and financial services firm known for its balanced retail and corporate banking business. The company has a solid reputation for disciplined risk management and a robust digital banking platform that supports its regional and national growth efforts. While it faces intense competition from larger money-center banks and macro-economic interest rate sensitivity, its expansion into high-growth Sunbelt markets and its fee-based wealth management services offer a promising growth story. It is well-suited for long-term income-focused investors who value stability and consistent dividends, though they should monitor interest rate trends and execution risks related to ongoing digital initiatives.
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 | While PNC grows through acquisition, it operates in a mature industry that limits rapid, exponential growth. |
| Momentum investor | Strong fit while signal remains positive | PNC can exhibit strong momentum when the interest rate environment is favorable for banking stocks. |
| Value investor | Strong fit | PNC often trades at reasonable valuation multiples relative to its earnings and book value. |
| Dividend investor | Strong fit | PNC provides a stable, reliable dividend stream attractive to long-term income-focused investors. |
| Low-risk investor | Mixed fit | Banking stocks are inherently exposed to macroeconomic cycles, though PNC's balance sheet is generally considered stable. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stock prices fluctuate based on interest rate expectations and economic outlook. |
| Valuation risk | Low | PNC historically maintains disciplined valuation levels. |
| Competition risk (Banking) | High | Intense competition from money-center banks limits pricing power. |
| Business quality | Strong | PNC is recognized for a stable, well-managed, and diversified business model. |
| Dividend income | Strong | The dividend is supported by consistent earnings and strong capital ratios. |
| Execution risk | Medium | Successfully integrating large acquisitions is complex and impacts long-term profitability. |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 91.67B USD | Price to earnings Ratio 12.3 | 1Y Target Price 263.57 |
Price to earnings Ratio 12.3 | 1Y Target Price 263.57 | ||
Volume (30-day avg) 2.0M shares | Beta 0.91 | 52 Weeks Range 171.44 - 256.60 | Updated Date 11/13/2026 |
52 Weeks Range 171.44 - 256.60 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 3.06% | Basic EPS (TTM) 18.78 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
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 70 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/13/2026 |
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
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. | The spread between what the bank earns on loans and pays on savings accounts. |
| Fee-Based Services | Treasury management, investment advisory fees, and card fees. | Revenue earned through service charges rather than lending. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When Before Market | Estimate 4.97 | Actual 5.09 |
Profitability
Profit Margin 31.68% | Operating Margin (TTM) 38.98% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 13.1% |
Valuation
Trailing PE 12.3 | Forward PE 10.78 | Enterprise Value 166.53B | Price to Sales(TTM) 3.67 |
Enterprise Value 166.53B | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 6.82 | Enterprise Value to EBITDA - | Shares Outstanding 396.78M | Shares Floating 394.09M |
Shares Outstanding 396.78M | Shares Floating 394.09M | ||
Percent Insiders 0.31 | Percent Institutions 84.75 |
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.
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