Financial Services / Banks - Regional

The PNC Financial Services Group, Inc. (PNC)

$221.00
+2.28%
$88.8B
Market Cap
12.9
P/E Ratio
0.93
Beta
3.08%
Dividend Yield
Piotroski 5/9Altman Z 0.3 Distress

Quantitative Summary

Deterministic

At 12.9x earnings — a 33% discount to the sector average of 19.2x — PNC is in the lower valuation range. Financial health is average: Piotroski 5/9, Altman Z 0.3.

Generated deterministically from quant metrics and financial statements. Not a recommendation.

Valuation Context

12.9x
PNC P/E
19.2x
Sector Avg
14.8x
5Y Avg P/E
-33%
vs Sector

Currently trading 10% below its 5-year average P/E of 14.8x.

Price Chart with Moving Averages

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SMA 50 SMA 200

Technical Setup

AI Generated

PNC Financial's stock is currently trading below its 50-day moving average but above the 200-day moving average, suggesting a short-term downtrend amid a longer-term uptrend; with an RSI of 30, indicating it may be oversold in the near term.

RSI (14)
SMA 50
SMA 200

Quant Health Deep Dive

5/9
Piotroski F-Score
Average — mixed operational signals
0.3
Altman Z-Score
Distress Zone — below 1.8 threshold per academic model. Thresholds: >3 safe, 1.8–3 grey, <1.8 distress.

Profitability & Value Creation

30.1%
Net Margin
8.1%
WACC
+10.9%
Revenue Growth (YoY)
+17.8%
Earnings Growth (YoY)

DuPont Analysis — ROE Decomposition

Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.

30.1%
Net Profit Margin
NI ÷ Revenue
×
0.04x
Asset Turnover
Revenue ÷ Assets
×
9.46x
Equity Multiplier
Assets ÷ Equity
=
11.4%
Return on Equity
⚠️ High equity multiplier — ROE is being amplified by leverage, not operational excellence.

Balance Sheet Health

8.46x
Debt / Equity

Insider Activity (Last 90 Days)

Net Insider Flow
-$15M
Net Selling
1
Buy Transactions
4
Sale Transactions
2026-03-09MEDLER LINDA R.Sold 1/8 qtrsBuy$4,008
2026-02-23DEBORAH GUILDSold 1/8 qtrsGrant3,162 shares
2026-02-20DEMCHAK WILLIAM SSold 6/8 qtrsSale$12M
2026-02-20DEMCHAK WILLIAM SSold 6/8 qtrsGrant11,897 shares
2026-02-18OVERSTROM ALEXANDER E. C.Sold 2/8 qtrsSale$584,775

Open-market buys vs sells by company insiders. Source: yfinance.

Earnings Surprise History

Q4
✓ Beat
Est: $3.38
Act: $3.51
+4.0%
Q3
✓ Beat
Est: $3.55
Act: $3.85
+8.5%
Q2
✓ Beat
Est: $4.04
Act: $4.35
+7.6%
Q1
✓ Beat
Est: $4.21
Act: $4.88
+15.9%

EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.

Dividend History

$1.7000
Latest Dividend
$6.60
2025 Total
+4.8%
YoY Growth
9 yrs
Consecutive Increases
Annual Dividends per Share
$1.10
2016
$2.60
2017
$3.40
2018
$4.20
2019
$4.60
2020
$4.80
2021
$5.75
2022
$6.10
2023
$6.30
2024
$6.60
2025
$3.40
2026
DateAmountChange
2026-04-14$1.70000.0%
2026-01-20$1.70000.0%
2025-10-14$1.70000.0%
2025-07-15$1.7000+6.2%
2025-04-16$1.60000.0%
2025-01-15$1.60000.0%
2024-10-16$1.60000.0%
2024-07-15$1.6000+3.2%
2024-04-12$1.55000.0%
2024-01-12$1.55000.0%
2023-10-16$1.55000.0%
2023-07-14$1.5500+3.3%
Stock Splits
1992-11-16: 2:11985-07-02: 2:11982-05-21: 2:1

Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.

Risk Profile

25.3%
Annual Volatility
1.53
Sharpe (1Y)
-17.2%
Max Drawdown (5Y)

Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.

Underwater (Drawdown from Peak)

How far below the all-time high the price has been over time. Deeper = more pain for holders.

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Rolling 60-Day Beta vs S&P 500 (VOO)

How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.

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Rolling Beta Market (β = 1.0)

Fama-French 5-Factor Exposure

Academic factor model decomposition — what's really driving this stock's returns.

1.13
Market β
Mkt-RF
+0.393
Size (SMB)
Small-cap tilt
+0.962
Value (HML)
Value tilt
+0.115
Profit (RMW)
Robust
+0.026
Invest (CMA)
Neutral
Alpha (annual): -6.46%
R²: 71.5%of variance explained by 5 factors

Fama-French 5-Factor Model. Data: Kenneth French Data Library. Regression over 3 years of daily returns.

Fundamentals

10.5
Forward P/E
1.69
PEG Ratio
1.40
Price/Book
2M
Avg Volume
$243.94
52W High
$170.49
52W Low
69%
52W Range Position

Passive Flow Attribution

ETF Draft Effect
$10.5B
Tracked Passive Exposure
8
ETFs Holding PNC
0.17%
Avg Weight in ETFs
$6.2T
Total ETF AUM

When investors buy or sell ETFs like HDV or XLF, the fund manager is mechanically forced to buy or sell PNC shares regardless of The PNC Financial Services Group, Inc.'s individual fundamentals. We estimate $10.5B of passive capital is structurally linked to PNC through 8 tracked ETFs. This substantial passive exposure means that ETF inflows and outflows — not company fundamentals — can dominate daily volume on this stock.

Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.

ETF Contagion Visualizer

Simulate a price drop in The PNC Financial Services Group, Inc. to visualize passive redemption contagion across ETFs and collateral stocks.

PNC Shock
-0%
Est. Passive Redemption
$0
Systemic Risk
STABLE
PNCEpicenterVTIETFVOOETFIVVETFJPMHigh RiskBRK.BUnknownXOMLow RiskJPMHigh RiskBRK.BUnknown
PNC Price Drop (%)0

If The PNC Financial Services Group, Inc. (PNC) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies JPMORGAN CHASE + CO (JPM) as the most exposed collateral stock, sharing 2 ETFs with PNC. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.

Contagion model based on shared ETF exposure and constituent weights across 31 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.

PNC Ownership Dynamics

Passive funds hold 1 in every 8 PNC shares, reducing daily market volatility.

Ticker
PNC
Total Shares
402M
ETF Lock-Up
12.5%
Display Mode
Total Float Impact
12.5%Locked Float

The PNC Financial Services Group, Inc. (PNC) exerts measurable gravity on the passive index market, currently representing 1.5% of the iShares Core High Dividend ETF (HDV) and 1.2% of the State Street Financial Select Sector SPDR ETF (XLF). Across 31 tracked ETFs, approximately 50M shares (12.5% of float) are held by passive funds and rarely trade on the open market. This level of passive ownership means index rebalances can create outsized volume events.

Float lock-up computed from 31 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).

PNC Institutional Volume Profile

252-day volume distribution by price level. The Point of Control (POC) marks the price where the most institutional volume transacted — an implicit support/resistance floor.

TICKER
PNC
PRICE
$221.00
FLOOR (POC)
$191.47
STRENGTH
Medium
$168$172$176$1808%$1848%$188$191POC 11%$195$1996%$2038%$207$2118%$215$2197%$2239%$221.00$226$230$234$238$242
Focus Zone
Point of Control (POC) Support (below price) Resistance (above price) Current Price

The highest-volume price zone for The PNC Financial Services Group, Inc. over the past year sits near $191.47 (11% of 252-day volume). The current price of $221.00 trades 15.4% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target.

Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.

Fails-to-Deliver (FTD) History

SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.

DateFailed SharesClose PriceNotional Value
2026-05-14113$209.86$23,714.18
2026-05-121,019$214.59$218,667.21
2026-05-041$220.71$220.71
2026-04-2221,456$228.05$4.9M
2026-04-153$221.20$663.6
2026-04-13179$221.13$39,582.27
2026-03-2539$206.35$8,047.65
2026-03-2032$202.05$6,465.6
2026-03-0919$206.12$3,916.28
2026-02-231,000$232.97$232,970
2026-02-135$229.68$1,148.4
2026-02-1060$240.95$14,457
2026-02-02318$223.30$71,009.4
2026-01-2354$222.00$11,988
2026-01-20400$223.18$89,272
2026-01-0887$216.27$18,815.49
2025-12-29183$213.89$39,141.87
2025-12-151,194$210.59$251,444.46
2025-12-121,644$211.49$347,689.56
2025-12-0538$198.27$7,534.26
2025-12-04140$198.00$27,720
2025-12-03137$192.05$26,310.85
2025-12-02137$192.40$26,358.8
2025-12-01123$190.72$23,458.56
2025-11-28137$191.88$26,287.56
2025-11-2517,407$188.52$3.3M
2025-11-201,285$182.97$235,116.45
2025-11-13441$186.91$82,427.31
2025-11-12360$184.82$66,535.2
2025-10-20179$179.40$32,112.6

Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.

Price Correlations

Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.

Peer252-Day (1Y)126-Day (6M)Direction
WTGXXNaNNaN
USB0.8810.871High co-movement
KEY0.8750.853High co-movement
MTB0.8650.847High co-movement
TFC0.8630.816High co-movement
HBAN0.8600.828High co-movement
CFG0.8600.815High co-movement
FITB0.8580.817High co-movement
RF0.8430.812High co-movement
FNB0.8300.799High co-movement

Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.

Compare PNC to Peers

Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.

SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.