PNC · PNC Financial Services Group Inc
Price
Snapshot
50 fields · last close| Market Cap | $86.73B |
| P/E | 10.98 |
| Float | 397.6M |
| Beta | 0.92 |
| Volatility | 23.1% |
| Exchange | NYSE |
| Sector | Banking |
| Cap tier | Large cap |
| Macro sensitivity | Moderate |
| Clavix score | 84.1 |
| Price | 216.59 |
| Change | −0.37% |
| Prev Close | 217.39 |
| Open | 216.58 |
| Day Low | 216.11 |
| Day High | 221.10 |
| Avg Vol | 2 |
| Avg $ Vol | $533.7M |
| 52W High | 258.96 |
| 52W Low | 176.88 |
| 52W Pos | 48.4% |
| From High | −16.36% |
| From Low | +22.45% |
| Max DD 1Y | −17.21% |
| Spread | 0.10% |
| Liquidity | Deep |
| SMA 20 | −2.21% |
| SMA 50 | −8.03% |
| SMA 200 | −5.19% |
| RSI (14) | 34.1 |
| Vol 30D | 17.4% |
| Vol 90D | 18.5% |
| 1Y Range | 177–259 |
| Daily bars | 536 |
| Perf Week | −0.83% |
| Perf Month | −6.30% |
| Perf Quarter | −13.09% |
| Perf Half Y | −3.30% |
| Perf Year | +19.22% |
| Perf YTD | +2.43% |
| Prev Day | −0.37% |
| Clavix | A- |
| Debt / Eq | 0.94 |
| Curr Ratio | n/a bank |
| Int Cover | n/a bank |
| FCF Margin | n/a bank |
| Rev Growth | +7.2% |
| Profit | Profitable |
| Leverage | Moderate |
| Sector rank | 9 / 29 |
What PNC does
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.
Clavix risk grade
regraded every trading dayPNC grades A-, 84.1 of 100. Steadiest on Macro Resilience (72), most exposed on News Sentiment (45, fragile). 2 of the 4 weighted dimensions sit above the Banking median. Ranks 9 of 29 in Banking by Clavix score.
How rough the ride is
| PNC | Banking median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 0.92 | 0.93 |
| Volatilityannualized | 23.1% | 23.3% |
| Max drawdown, past yearworst peak-to-trough fall | −17.2% | — |
| Typical daily movemedian absolute daily change | 0.81% | — |
| Days beyond ±3%of the last 252 sessions | 9 (4%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| PNC | Banking median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 0.92 | 0.93 |
| Macro sensitivityrate, dollar and credit exposure bucket | Moderate | Moderate 90% of 30 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Banking names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| PNC | |
|---|---|
| 1 week | −0.8% |
| 1 month | −6.3% |
| Year to date | +2.4% |
| 1 year | +19.2% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| PNC | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 22 Sep |
| Average score0 most bearish, 100 most bullish | 65 |
| Bullish · bearisharticles above 60 · below 40 | 22 · 2 |
| Directionarticles whose tone is improving vs worsening | 22 ↑ 2 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 30 Banking names Clavix covers; the tick is the sector median.
Current ratio, FCF margin and interest coverage are not shown for PNC: a deposit bank has no split of current assets and liabilities, and its operating cash flow swings with deposits and trading books rather than with the business.
Growth
| PNC | |
|---|---|
| Revenue growthyear over year | +7.2% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Banking median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openThe article compares PNC Financial and U.S. Bancorp after both posted solid third-quarter results. PNC bought back about $560 million of its own stock during the quarter, while U.S. Bancorp bought none because it is rebuilding its capital cushion for stricter regulatory rules.
PNC Financial Services reported third-quarter profit of $2.1 billion, up 15% from a year earlier, helped by 19% growth in business loan balances. The bank raised its 2026 guidance for net interest income (the gap between what the bank earns on loans and pays on deposits) to about 15.5%, and an analyst upgraded the stock to Buy citing Federal Reserve rate increases and continued loan growth.
PNC reported Q3 2026 earnings of about $5.00 per share on net income near $2.0 billion, with loans in the high $300 billion range. The stock had fallen more than 14% over the prior three months but rose about 1.2% on the day after the results were released, with credit quality on the balance sheet flagged as the key concern.
Raymond James Financial lowered its price target on PNC shares from $275 to $255 but kept an 'outperform' rating on the stock. A price target is the price an analyst expects the stock to reach, and 'outperform' means the analyst expects PNC to do better than other companies in its group.
PNC added about 500 new commercial client relationships in its expansion markets through the year so far, and reported $2.1 billion in profit in the third quarter.
Nearest peers by size
Banking| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| USB | US Bancorp | A- | $91.50B | 10.93 | 1.05 | Compare |
| NU | Nu Holdings Ltd. | B- | $70.33B | 19.50 | 0.94 | Compare |
| TFC | Truist Financial Corp | B+ | $57.50B | 11.09 | 0.90 | Compare |
| CM | Canadian Imperial Bank of Commerce | A- | $144.7B | 14.30 | 0.67 | Compare |
| BNS | Bank of Nova Scotia | A | $159.1B | 15.90 | 0.62 | Compare |
| BMO | Bank of Montreal | A- | $163.6B | 17.87 | 0.75 | Compare |
| FITB | Fifth Third Bancorp | A- | $45.68B | 21.02 | 1.02 | Compare |
| C | Citigroup Inc | B+ | $208.4B | 10.78 | 1.16 | Compare |
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