The PNC Financial Services Group, Inc. (PNC) Stock: Price, Forecast & Analyst Target
The PNC Financial Services Group, Inc. (PNC) — MoonshotScore 66/100 (Strong band), calculated Oct 5, 2026. Price $221.03 (+0.13%), as of the Oct 2, 2026 trading session; market cap $88.2B. Expected results Oct 15, 2026.
Educational signal · not a buy or sell recommendation · How to read this
The PNC Financial Services Group, Inc. · PNC · NYSE · Financial Services · Banks - Regional
Research dated 2026-09-12: PNC is a nationwide, diversified bank whose earnings span household and small-business banking, corporate finance and treasury services, and wealth management. The case hinges on whether loan growth and capital-markets activity can keep lifting income without a deterioration in funding, liquidity, or credit economics.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · The PNC Financial Services Group (PNC)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
High quality, at a dirt-cheap price, but a fragile balance sheet. Business Quality: Solid; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Growing; Momentum: Slipping.
- quarterly revenue $9.02B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 8 of 8
- expected results Oct 15, 2026
Holding back: balance-sheet strain, weak price trend
Helping: business quality, an attractive price
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 68 | Strong | |
| 66 | Strong | |
| 67 | Strong | |
| 67 | Strong | |
| 66 | Strong | |
| 66 | Strong |
The score moved from 65 in the stored Oct 4, 2026 snapshot to 66 in the current publication computed Oct 5, 2026 (+1); the largest pillar moves were Growth Durability +9 and Momentum -2. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $221.03 | |
| Change on the day | +0.13% | |
| 52-week range | $176.88 – $258.96 | |
| Market capitalisation | $88.2B | |
| Price / earnings (trailing) | 12.16 | |
| Shares traded on the day | 1.85M | |
| Beta (volatility vs the S&P 500) | 0.89 | |
| Dividends per share (last 12 months) | $7.10 | |
| Dividend yield (last 12 months) | 3.21% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
Considering our reported first half operating results, third quarter expectations and current economic forecast, our outlook for the full year 2026 compared to 2025 results, is as follows: We expect full year average loan growth of approximately 12.5%, expect full year net interest income to be up 15% to 15.5%.
Robert Q. Reilly · Statement from
So that is constructive for NII in 2027 and as we get closer to the end of the year, we will sharpen that up for you.
Robert Q. Reilly · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for The PNC Financial Services Group (PNC): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 24, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 11, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 11, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the PNC film — every key number, told as a short cinematic story
~2 min · open the film
What is The PNC Financial Services Group (PNC), and what does it report?
Short answer · as of
PNC does not merely collect deposits and make local loans. Retail Banking serves consumers and small businesses through branches and digital channels; Corporate & Institutional Banking combines commercial lending with payments, treasury management, capital markets, and advisory work; Asset Management Group serves wealthy families and institutions.
Research dated 2026-09-12.
PNC does not merely collect deposits and make local loans. Retail Banking serves consumers and small businesses through branches and digital channels; Corporate & Institutional Banking combines commercial lending with payments, treasury management, capital markets, and advisory work; Asset Management Group serves wealthy families and institutions.
Reported revenue therefore blends lending economics with fees from transaction processing, advice, underwriting, brokerage, investment management, custody, and trust services. Retail Banking is the largest disclosed segment, Corporate & Institutional Banking is also substantial, and Asset Management Group adds a smaller fee-oriented stream.
What do the latest results show for The PNC Financial Services Group (PNC)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $9.02B.
Research dated 2026-09-12.
The latest period extended an improving run: revenue, operating profit, net income, and diluted earnings all rose from the preceding period, while operating cash flow strengthened. The earnings release also cleared the prevailing profit estimate and exceeded the revenue estimate after the prior release had fallen short on revenue.
Management links the outlook to average loan growth and stronger net interest income, with capital markets expected to rise sharply as well. Those are forward statements rather than explanations proven by the reported statements, so the important distinction is that current earnings momentum is visible while the proposed drivers still require confirmation.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $9.02B Jun 30, 2026
- Latest quarter · net income
- $2.04B Jun 30, 2026
- Latest quarter · EPS
- $4.8100 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $9.02B | $2.04B | $4.8100 (diluted) |
| Mar 31, 2026 | $8.64B | $1.76B | $4.1300 (diluted) |
| Dec 31, 2025 | $8.72B | $2.02B | $4.8800 (diluted) |
| Sep 30, 2025 | $8.78B | $1.81B | $4.3500 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $6.88B Jul 15, 2026
- Latest report · revenue estimate
- $6.51B Jul 15, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 15, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 15, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 15, 2026 | $6.88B | $6.51B | $4.8500 | $4.4600 |
| Apr 15, 2026 | $6.17B | $6.24B | $4.1300 | $3.9300 |
| Jan 16, 2026 | $6.07B | $5.96B | $4.8800 | $4.2300 |
| Oct 15, 2025 | $5.92B | $5.83B | $4.3500 | $4.0500 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $9.02B | $2.04B | $4.81 (diluted) |
| Q1 FY2026 | $8.64B | $1.76B | $4.13 (diluted) |
| Q4 FY2025 | $8.72B | $2.02B | $4.88 (diluted) |
| Q3 FY2025 | $8.78B | $1.81B | $4.35 (diluted) |
What are the financial strengths and risks for The PNC Financial Services Group (PNC)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price as strengths.
Research dated 2026-09-12.
PNC is profitable across the annual record, and recent operating cash generation recovered from an earlier outflow to a strong positive level. Trailing profitability and returns are positive, giving the bank internally generated capacity rather than dependence on a loss-funded growth story.
Liquidity requires bank-specific reading. Cash and short-term investments sit below total debt, reported net cash is negative, and the short-term balance has moved sharply between reporting dates; meanwhile, most reported cash and investments are classified as long-term investments. Loan-led growth would become less attractive if funding costs, liquidity needs, or borrower performance consumed the added interest income, and the quality screens do not offer an unequivocal counterweight.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $2.15B Jun 30, 2026
- Previous quarter · operating cash flow
- $1.93B Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $2.15B | Not available |
| Mar 31, 2026 | $1.93B | Not available |
| Dec 31, 2025 | $757.00M | Not available |
| Sep 30, 2025 | $2.66B | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at The PNC Financial Services Group (PNC)?
Short answer · as of
The next earnings report is expected on Oct 15, 2026.
Research dated 2026-09-12.
Watch whether the next release preserves the recent sequence of higher revenue, operating profit, net income, and operating cash flow. Estimate comparisons also matter because PNC has repeatedly exceeded profit expectations, while revenue performance against expectations has been less uniform.
Management has made loan growth, net interest income, and capital-markets expansion the operating markers. Confirmation would mean those drivers appear alongside durable profitability and steadier liquidity; a break would be growth that fails to carry through to earnings or cash generation. The scheduled earnings report provides the next formal checkpoint.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Considering our reported first half operating results, third quarter expectations and current economic forecast, our outlook for the full year 2026 compared to 2025 results, is as follows: We expect full year average loan growth of approximately 12.5%, expect full year net interest income to be up 15% to 15.5%.
Robert Q. Reilly ·
So that is constructive for NII in 2027 and as we get closer to the end of the year, we will sharpen that up for you.
Robert Q. Reilly ·
Capital markets for the full year You know, we will be up close to 25% to 30% year over year that is in our guidance.
Robert Q. Reilly ·
How does The PNC Financial Services Group compare with its peers?
Short answer
The PNC Financial Services Group's score ranks 13th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
PNC combines the deposit and lending engine of a regional bank with a broad corporate-services franchise and a wealth platform. Its corporate offering reaches beyond commercial credit into payments, treasury management, foreign exchange, derivatives, underwriting, syndication, and merger advice, while the asset-management arm adds custody, trust, and outsourced investment capabilities.
That mix makes PNC less dependent on a narrow branch-banking model than the regional-bank label suggests, but it also exposes results to distinct demand cycles. Household banking, corporate borrowing, transaction activity, capital-markets issuance, and managed assets can reinforce earnings or pull in different directions.
| Company | Price | Market value | Score |
|---|---|---|---|
| $78.03 Oct 2, 2026 | $36.9B | 98 5-pillar Oct 5, 2026 | |
| $91.91 Oct 2, 2026 | $21.8B | 98 5-pillar Oct 5, 2026 | |
| $75.21 Oct 2, 2026 | $18.3B | 98 5-pillar Oct 5, 2026 | |
| $3.65 Oct 2, 2026 | $38.6B | 95 5-pillar Oct 5, 2026 | |
| $47.04 Oct 2, 2026 | $6.48B | 92 5-pillar Oct 5, 2026 | |
| $17.68 Oct 2, 2026 | $9.80B | 91 5-pillar Oct 5, 2026 | |
| $57.51 Oct 2, 2026 | $89.6B | 90 5-pillar Oct 5, 2026 | |
| $158.14 Oct 2, 2026 | $10.1B | 89 5-pillar Oct 5, 2026 | |
| $32.03 Oct 2, 2026 | $7.68B | 89 5-pillar Oct 5, 2026 | |
| $64.33 Oct 2, 2026 | $27.2B | 69 5-pillar Oct 5, 2026 | |
| $50.87 Oct 2, 2026 | $46.1B | 68 5-pillar Oct 5, 2026 | |
| $20.08 Oct 2, 2026 | $21.7B | 68 5-pillar Oct 5, 2026 | |
| The PNC Financial Services Group (PNC) — this page | $221.03 | $88.2B | 66 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $252.00 – $305.00
- Consensus target
- $278.27
- Median target
- $280.00
Consensus record · Captured .
Measured against a quoted price of $221.03 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Aug 13, 2026
- Transactions
- 31
- Identified insiders
- 18
- Purchases
- 0
- Sales
- 8
- Other transactions
- 23
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 83.8% Period end Jun 30, 2026
- Previous quarter · ownership
- 79.7% Prior to period end Jun 30, 2026
- Reporting holders
- 2,105 Period end Jun 30, 2026
- Previous quarter · holders
- 1,982 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 32,172,263 |
| Vanguard Capital Management LLC | 26,208,803 |
| State Street Corp | 18,434,446 |
| Fmr LLC | 14,254,710 |
| Vanguard Portfolio Management LLC | 10,597,926 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about The PNC Financial Services Group (PNC)?
The PNC Financial Services Group Financial Services Stock: Key Questions Answered
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How do Retail Banking and Corporate and Institutional Banking shape PNC revenue?
Retail Banking contributes the largest disclosed segment stream through deposits, consumer and small-business credit, and related services. Corporate and Institutional Banking adds commercial lending, treasury and payments activity, capital-markets execution, and advisory fees, giving PNC a broader earnings engine than branch banking alone.
Why does PNC’s net interest income outlook matter?
Management expects loan expansion to support higher net interest income, making the spread earned on funded assets a central bridge from balance-sheet growth to earnings. The thesis weakens if added loans do not produce durable operating profit and cash generation.
What does PNC’s capital-markets business add to commercial lending?
PNC can serve corporate clients with underwriting, loan syndication, foreign exchange, derivatives, fixed-income services, and merger advice in addition to credit and treasury products. Management expects capital-markets activity to grow sharply, so fee momentum can complement lending income but also introduces activity-sensitive revenue.
Why is PNC’s cash balance unusually volatile between reports?
Cash and short-term investments have swung widely between reporting dates, while most reported cash and investments are classified as long-term investments. The latest short-term balance is below total debt, so liquidity should be judged through the bank’s full funding and investment structure rather than a headline cash figure alone.
What is the PNC stock price today?
The last price recorded on this page for The PNC Financial Services Group, Inc. (PNC) is $221.03, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the PNC price target?
The analyst consensus price target for The PNC Financial Services Group, Inc. (PNC) is $278.27 (range $252.00 to $305.00, median $280.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
When are PNC's next earnings?
The next earnings date listed on this page for The PNC Financial Services Group, Inc. (PNC) is Oct 15, 2026. Companies sometimes move report dates, so the company's own announcement is the final word on timing.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (69 figures)
The 69 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Robert Q. Reilly (Jul 15, 2026): Considering our reported first half operating results, third quarter expectations and current economic forecast, our outlook for the full year 2026 compared to 2025 results, is as follows: We expect full year average loan growth of approximately 12.5%, expect full year net interest income to be up 15% to 15.5%. Robert Q. Reilly (Jul 15, 2026): So that is constructive for NII in 2027 and as we get closer to the end of the year, we will sharpen that up for you. Robert Q. Reilly (Jul 15, 2026): Capital markets for the full year You know, we will be up close to 25% to 30% year over year that is in our guidance. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | THE Tower AT PNC Plaza, 300 Fifth Avenue, Pittsburgh, PA, 15222-2401 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "The Tower at PNC Plaza, Pittsburgh, PA, 15222-2401, US". |
FMP — 58 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $221.03 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:04:51.755Z. | |
px.change | Change on the day | +0.13% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $88.2B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:02.000Z. Captured from FMP at 2026-10-04T20:04:50.678Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.28 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $9.02B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 12.16 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.85M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.89 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | William S. Demchak | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 54,596 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $19.70B, net result $5.67B; FY2022 revenue $23.54B, net result $6.04B; FY2023 revenue $31.90B, net result $5.58B; FY2024 revenue $33.69B, net result $5.89B; FY2025 revenue $33.97B, net result $6.94B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Retail Banking 1 $12.93B · Asset Management Group $1.45B · Corporate & Institutional Banking $9.27B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $9.02B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $2.04B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $4.8100 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $8.64B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $1.76B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $4.1300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $8.72B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $2.02B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $4.8800 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $8.78B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $1.81B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $4.3500 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-15.revenue_actual | Revenue · reported — report date 2026-07-15 | $6.88B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-15.revenue_estimated | Revenue · estimate — report date 2026-07-15 | $6.51B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-15.eps_actual | EPS · reported — report date 2026-07-15 | $4.8500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-15.eps_estimated | EPS · estimate — report date 2026-07-15 | $4.4600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.revenue_actual | Revenue · reported — report date 2026-04-15 | $6.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.revenue_estimated | Revenue · estimate — report date 2026-04-15 | $6.24B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.eps_actual | EPS · reported — report date 2026-04-15 | $4.1300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-15.eps_estimated | EPS · estimate — report date 2026-04-15 | $3.9300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.revenue_actual | Revenue · reported — report date 2026-01-16 | $6.07B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.revenue_estimated | Revenue · estimate — report date 2026-01-16 | $5.96B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.eps_actual | EPS · reported — report date 2026-01-16 | $4.8800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-16.eps_estimated | EPS · estimate — report date 2026-01-16 | $4.2300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_actual | Revenue · reported — report date 2025-10-15 | $5.92B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.revenue_estimated | Revenue · estimate — report date 2025-10-15 | $5.83B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_actual | EPS · reported — report date 2025-10-15 | $4.3500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-15.eps_estimated | EPS · estimate — report date 2025-10-15 | $4.0500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $2.15B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $1.93B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $757.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $2.66B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $252.00 – $305.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $278.27 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $280.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 31 transactions · 0 purchases, 8 sales, 23 other transactions · 18 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Aug 13, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 83.8% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 79.7% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 2,105 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 1,982 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 32,172,263 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 26,208,803 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | State Street Corp — shares in provider snapshot | 18,434,446 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Fmr LLC — shares in provider snapshot | 14,254,710 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 10,597,926 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 15, 2026 | UNRECORDED | Stored earnings-calendar observation — Captured 2026-07-18 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-03 | |
px.range52 | 52-week range | $176.88 – $258.96 | UNRECORDED | Stored company-profile observation — Captured 2026-10-03 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $7.10 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-04, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 3.21% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-15.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($6.88B) with the recorded estimate ($6.51B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-15.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($4.8500) with the recorded estimate ($4.4600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 66 of 100 · Strong · pillars 79 / 20 / 89 / 67 / 31 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 65 (stored snapshot Oct 4, 2026) → 66 (current publication computed Oct 5, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-15. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-15.revenue_actual,earn.history.depth.2026-07-15.revenue_estimated,earn.history.depth.2026-07-15.revenue_actual.comparison,earn.history.depth.2026-07-15.eps_actual.comparison,earn.history.depth.2026-07-15.eps_actual,earn.history.depth.2026-07-15.eps_estimated,earn.history.depth.2026-04-15.revenue_actual,earn.history.depth.2026-04-15.revenue_estimated,earn.history.depth.2026-04-15.eps_actual,earn.history.depth.2026-04-15.eps_estimated,earn.history.depth.2026-01-16.revenue_actual,earn.history.depth.2026-01-16.revenue_estimated,earn.history.depth.2026-01-16.eps_actual,earn.history.depth.2026-01-16.eps_estimated,earn.history.depth.2025-10-15.revenue_actual,earn.history.depth.2025-10-15.revenue_estimated,earn.history.depth.2025-10-15.eps_actual,earn.history.depth.2025-10-15.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses. This includes a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. Lending products span residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education financing, and personal and small business loans and credit lines. Additionally, the segment provides brokerage, insurance, investment, and cash management services, all accessible via its branch network, ATMs, call centers, and digital banking channels. The Corporate & Institutional Banking segment caters to the needs of mid-sized and large corporations, government entities, and not-for-profit organizations. It offers secured and unsecured commercial loans, letters of credit, and equipment leases. Services extend to sophisticated cash and investment management, including receivables and disbursement handling, fund transfers, international payment processing, and access to online/mobile information reporting. Furthermore, this segment provides expert advice on foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions, alongside offering equity capital markets advisory, commercial loan servicing, and technology solutions. PNC's Asset Management Group specializes in wealth management for a diverse clientele. For high net worth and ultra high net worth individuals and their families, it delivers tailored investment and retirement planning, customized investment management, credit and cash management strategies, and trust administration. This also includes specialized multi-generational family planning services for its wealthiest clients. Institutional clients benefit from outsourced chief investment officer capabilities, custody services, private real estate investment opportunities, cash and fixed income solutions, and fiduciary retirement advisory services. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Retail Banking 1: $12.93B; Asset Management Group: $1.45B; Corporate & Institutional Banking: $9.27B | 2023-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Management outlook — dated call excerpts | Captured record · 3 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-15 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Cash, investments and debt | Total debt: $85.72B; Liquidity basis: cash and short-term investments; Total liabilities: $551.97B; Cash and short-term investments: $37.35B; Cash and investments: $554.81B; Long-term investments: $517.46B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-15 | FMP | Financial Modeling Prep (FMP) earnings |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $554.81B; Cash and short-term investments: $37.35B; Long-term investments: $517.46B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Cash decline over the reported window | To: 2026-06-30; From: 2024-09-30; Periods: 7; Cash basis: cash and short-term investments; Closing balance: $37.35B; Decline: $15.53B; Opening balance: $52.88B; Average change per period: $2.22B Change in cash, cash equivalents and short-term investments between the 2024-09-30 and 2026-06-30 balance sheets.; This is a balance change, not operating burn: financing and investing move it too.; Averaged over 7 reporting periods of unequal length. | 2026-06-30 | COMPUTED | Computed from reported balances |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: -$48.37B; Total debt: $85.72B; Cash and investments: $37.35B Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Trailing twelve-month ratio set | Quick ratio: 0.08; Current ratio: 0.08; Debt to equity: 1.34; Net margin: 21.7%; Gross margin: 67.9%; Operating margin: 26.7%; Return on assets: 1.2%; Return on equity: 12.3% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: -0.44; Piotroski F-score: 4 Altman Z below 1.8 is the conventional distress zone. For a company holding large cash against negative retained earnings the score mostly reflects the retained-earnings term. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-10-15; EPS estimate: $4.91 per share; Revenue estimate: $6.61B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6021 — National Commercial Banks. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
Data provided for informational purposes only.