PNC$215.04
$215.5
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AI PNC Summary
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Powered by LiveAIOverall Analysis
BuyPNC Financial Services Group presents a fundamentally sound investment with a stable dividend yield and consistent profitability. While current technicals suggest some short-term caution, its strong market position and diversified business model offer long-term appeal.
Thematic
PNC benefits from the stable, albeit slower, growth of the financial services sector. It's well-positioned within established banking trends but lacks the explosive growth potential of disruptive tech themes. Its focus on digital transformation and customer service is a positive. ESG considerations are standard for the sector.
Fundamental
PNC demonstrates strong profitability, a solid balance sheet, and a consistent dividend payout. Its valuation metrics are reasonable, and it shows steady revenue and earnings growth, indicating a healthy financial position.
Technical
The stock's performance has been mixed, with recent declines and mixed signals from technical indicators. It appears to be in a period of consolidation or slight downturn, requiring careful observation for renewed upward momentum.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 75 |
| Interest Rate Sensitivity | 60 |
| Economic Growth & Consumer Spending | 70 |
| Regulatory Landscape (Financial Services) | 50 |
| ESG & Sustainable Finance | 65 |
| Factor | Score |
|---|---|
| Valuation | 78 |
| Profitability | 92 |
| Growth | 45 |
| Balance Sheet Health | 80 |
| Cash Flow | 85 |
| Dividend Yield | 88 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 35 |
| Volume Confirmation | 60 |
| Support & Resistance | 70 |
| Recent Price Performance | 30 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has exceeded earnings per share (EPS) estimates in the last 4 out of 5 quarters, with an average surprise of 8.5%. The latest quarter (2025 Q1) reported EPS of $3.93 against an estimate of $3.33, a significant beat of 18.04%.
Strong Free Cash Flow
The company has demonstrated positive and growing free cash flow, with $1.80 billion in Q4 2024, up from $1.76 billion in Q4 2023. This indicates robust operational cash generation.
Bearish Points (7)
Short-Term Bearish Indicators
On shorter timeframes (1m, 5m, 15m), many oscillators (RSI, Stochastic %K, MACD) are indicating 'Sell' or are in bearish territory, suggesting potential short-term downward pressure.
Rising Quarterly P/S Ratio
The Price-to-Sales (P/S) ratio on a quarterly basis has increased significantly, for instance, from 12.5 in Q1 2025 to 16.5 in Q2 2024, which could indicate an overvalued stock if revenue growth does not keep pace.
Calendar
July 2025
15
Ex-Dividend Date
August 2025
5
Next Dividend Date
October 2025
15
Next Earnings Date
H: $4.18
A: $4.00
L: $3.83
H: 5.86B
A: 5.82B
L: 5.75B
Profile
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 provides 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.
Seasonals
Price Target
213.31 USD
The 39 analysts offering 1 year price forecasts for PNC have a max estimate of 235.00 and a min estimate of 186.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
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Income Statement
Cash Flow
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