The PNC Financial Services Group, Inc. (PNC)
Quantitative Summary
DeterministicAt 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
Currently trading 10% below its 5-year average P/E of 14.8x.
Price Chart with Moving Averages
Technical Setup
AI GeneratedPNC 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.
Quant Health Deep Dive
Profitability & Value Creation
DuPont Analysis — ROE Decomposition
Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.
Balance Sheet Health
Insider Activity (Last 90 Days)
Open-market buys vs sells by company insiders. Source: yfinance.
Earnings Surprise History
EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.
Dividend History
| Date | Amount | Change |
|---|---|---|
| 2026-04-14 | $1.7000 | 0.0% |
| 2026-01-20 | $1.7000 | 0.0% |
| 2025-10-14 | $1.7000 | 0.0% |
| 2025-07-15 | $1.7000 | +6.2% |
| 2025-04-16 | $1.6000 | 0.0% |
| 2025-01-15 | $1.6000 | 0.0% |
| 2024-10-16 | $1.6000 | 0.0% |
| 2024-07-15 | $1.6000 | +3.2% |
| 2024-04-12 | $1.5500 | 0.0% |
| 2024-01-12 | $1.5500 | 0.0% |
| 2023-10-16 | $1.5500 | 0.0% |
| 2023-07-14 | $1.5500 | +3.3% |
Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.
Risk Profile
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.
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.
Fama-French 5-Factor Exposure
Academic factor model decomposition — what's really driving this stock's returns.
Fama-French 5-Factor Model. Data: Kenneth French Data Library. Regression over 3 years of daily returns.
Fundamentals
Passive Flow Attribution
ETF Draft EffectWhen 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.
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.
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.
ETFs with Highest PNC Exposure
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.
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.
| Date | Failed Shares | Close Price | Notional Value |
|---|---|---|---|
| 2026-05-14 | 113 | $209.86 | $23,714.18 |
| 2026-05-12 | 1,019 | $214.59 | $218,667.21 |
| 2026-05-04 | 1 | $220.71 | $220.71 |
| 2026-04-22 | 21,456 | $228.05 | $4.9M |
| 2026-04-15 | 3 | $221.20 | $663.6 |
| 2026-04-13 | 179 | $221.13 | $39,582.27 |
| 2026-03-25 | 39 | $206.35 | $8,047.65 |
| 2026-03-20 | 32 | $202.05 | $6,465.6 |
| 2026-03-09 | 19 | $206.12 | $3,916.28 |
| 2026-02-23 | 1,000 | $232.97 | $232,970 |
| 2026-02-13 | 5 | $229.68 | $1,148.4 |
| 2026-02-10 | 60 | $240.95 | $14,457 |
| 2026-02-02 | 318 | $223.30 | $71,009.4 |
| 2026-01-23 | 54 | $222.00 | $11,988 |
| 2026-01-20 | 400 | $223.18 | $89,272 |
| 2026-01-08 | 87 | $216.27 | $18,815.49 |
| 2025-12-29 | 183 | $213.89 | $39,141.87 |
| 2025-12-15 | 1,194 | $210.59 | $251,444.46 |
| 2025-12-12 | 1,644 | $211.49 | $347,689.56 |
| 2025-12-05 | 38 | $198.27 | $7,534.26 |
| 2025-12-04 | 140 | $198.00 | $27,720 |
| 2025-12-03 | 137 | $192.05 | $26,310.85 |
| 2025-12-02 | 137 | $192.40 | $26,358.8 |
| 2025-12-01 | 123 | $190.72 | $23,458.56 |
| 2025-11-28 | 137 | $191.88 | $26,287.56 |
| 2025-11-25 | 17,407 | $188.52 | $3.3M |
| 2025-11-20 | 1,285 | $182.97 | $235,116.45 |
| 2025-11-13 | 441 | $186.91 | $82,427.31 |
| 2025-11-12 | 360 | $184.82 | $66,535.2 |
| 2025-10-20 | 179 | $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.
| Peer | 252-Day (1Y) | 126-Day (6M) | Direction |
|---|---|---|---|
| WTGXX | NaN | NaN | |
| USB | 0.881 | 0.871 | High co-movement |
| KEY | 0.875 | 0.853 | High co-movement |
| MTB | 0.865 | 0.847 | High co-movement |
| TFC | 0.863 | 0.816 | High co-movement |
| HBAN | 0.860 | 0.828 | High co-movement |
| CFG | 0.860 | 0.815 | High co-movement |
| FITB | 0.858 | 0.817 | High co-movement |
| RF | 0.843 | 0.812 | High co-movement |
| FNB | 0.830 | 0.799 | High 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.