Insider buying last 90 days
No open-market insider purchases were filed for PNC in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every PNC insider filing, plotted on the chart in Gekko.Open PNC in Gekko
NYSE: PNC
PNC Financial Services (PNC) Stock Analysis & Forecast
$233.17+1.16 (+0.5%)
Close on Sep 18, 2026. Page updated Sep 19, 9:18 pm ET.
Gekko Brief
AI summaryPNC closes at $233.17, up 0.5%, sitting between its 50-day average of $247.60 and 200-day average of $227.00. The GekkoIndex reads 71.3, placing the stock in the Buying zone, up 11.4 over the past five readings. Price stands 10.2% below Gekko Fair Value of $259.65. Over the past year the stock has returned 14.4%, though the past month shows a decline of 5.4%.
This week's coverage centers on reaffirmed guidance and rate-driven pressure on regional banks. PNC Financial reaffirmed its third-quarter and full-year outlook, pointing to resilient consumer spending, commercial lending demand, and improving credit indicators, with capital markets and fee income cited as a growth area tied to advisory and M&A activity. Separately, shares of PNC along with KeyCorp, Fifth Third Bancorp, Citizens Financial Group, and Walker & Dunlop fell following the Federal Reserve's recent rate hike, and PNC Bank raised its prime lending rate to 7.00% effective 17 September. Analysts hold a consensus "Moderate Buy" rating with a $265.73 average target in one report, while Gekko's own analyst tally shows 14 buy and 5 hold ratings among 19 firms, with a consensus target of $277.73.
PNC next reports earnings on 15 October 2026, 25 days out and within a typical 20-trading-day holding window; its last quarter beat estimates with $4.85 EPS against $4.51 expected, producing a 1.3% reaction. Seasonally, the next 20 trading days have averaged a decline of 1.9% over five years, rising in only 2 of them. No insider, Congress, or unusual options activity is on record for their respective windows.
Written by AI and checked automatically against the figures on this page. Generated Sep 20, 2026 from the data above.
Price vs fair value
Close $233.17200-day averageGekko Fair Value $259.65
Key stats
- Market cap
- $93.03B
- P/E ratio
- 12.8
- Forward P/E
- 11
- EPS, TTM
- $18.19
- Revenue, TTM
- $24.32B
- Profit margin
- 31.4%
- Dividend yield
- 2.94%
- Beta
- 0.89
- Volume
- 3.21M avg 1.61M
- 1-year return
- +14.4%
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.1%
- 50-day average
- $247.60
- 200-day average
- $227.00
- Next earnings
- Oct 15
- Shares outstanding
- 398.9M
PNC Financial Services swing-trade checklist
PNC Financial Services scores 2 supportive, 1 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive1 mixed2 headwinds
- Trendmixed
Averages disagree
Close $233.17 sits between the 50-day ($247.60) and 200-day ($227.00) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
71.3, Buying
Reading 71.3 is in the Buying zone.
See the GekkoIndex - Fair valuesupportive
10.2% below
Price is 10.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 25 days
Reports on Oct 15, 2026, 25 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−1.9% on average
From this point in the calendar, the next 20 trading days averaged −1.9% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
PNC Financial Services stock chart and price history
PNC Financial Services closed at $233.17 on Sep 18, 2026, +14.4% over the past year, inside a 52-week range of $176.88 to $258.96.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −5.4%
- 3 months
- +0.5%
- 6 months
- +15.4%
- 1 year
- +14.4%
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About PNC Financial Services
PNC Financial Services operates as a broad-based bank serving individuals, small businesses, and larger institutions across the country. Its consumer-facing arm offers everyday banking staples such as checking, savings, and certificate of deposit accounts, along with mortgages, home equity products, auto loans, credit cards, and financing for education and small business needs, supported by brokerage, insurance, and cash management options.
Beyond retail customers, the company works with mid-sized and large corporations, government bodies, and not-for-profit groups, providing commercial loans, credit facilities, equipment leasing, and treasury functions like receivables handling and international payments. This side of the business also covers advisory work in foreign exchange, derivatives, fixed income, underwriting, and mergers, plus loan syndication and technology support. A separate wealth management arm serves high net worth and institutional clients with investment oversight, trust administration, family planning services, custody, and retirement advisory work.
The company traces back to 1852 and is headquartered in Pittsburgh, Pennsylvania. Its shares are listed on the NYSE under the ticker PNC.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Major banks
- Website
- pnc.com
PNC Financial Services GekkoIndex: the smart money zone
PNC Financial Services’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 71.3, in the Buying zone, up 11.4 points over five sessions.
71.3Buying
Up 11.4 points over five sessions, from the Neutral zone.
Reading for Sep 18, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying (current zone) | 29 | −0.1% | +0.5% | ||
| Accumulation | 173 | +0.1% | +3.4% | ||
| Neutral | 399 | +0.7% | +1.5% | ||
| Distribution | 59 | 0.0% | +0.3% | ||
| Selling | 2 | Too few readings yet | |||
Average PNC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Buying readings averaged +3.2% over 20 days. Past behaviour doesn’t guarantee future results.
Buying zone: Smart money likely accumulating heavily. About the five zones →
See every daily GekkoIndex reading plotted over the PNC price, zone by zone.Track PNC in Gekko
Is PNC Financial Services stock overvalued? Gekko Fair Value
PNC Financial Services trades 10.2% below Gekko Fair Value of $259.65, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what PNC Financial Services shares are worth, recalculated every trading day.
$259.65
Gekko Fair Value, Sep 19, 2026
10.2% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open PNC in Gekko
PNC Financial Services insider and Congress trading
No open-market insider purchases were filed for PNC Financial Services, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in PNC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for PNC, plotted on the chart in Gekko.Open PNC in Gekko
Buybacks
PNC Financial Services has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $622.0M
- As a share of market cap
- 0.67%
- Trailing four quarters
- $2.16B
From company filings.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds PNC.
0added0opened1trimmed2sold out
Which funds are on each side, name by name.Unlock in Gekko
PNC Financial Services earnings: next date and track record
PNC Financial Services reports on Oct 15, 2026 (25 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Oct 15, 2026
25 days away
- EPS estimate
- $4.91
- Revenue estimate
- $6.61B
8 of 8reports beat the EPS estimate
±2.1%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 15, 2026 AI summary
- What they said
- PNC reported a strong Q2 with net income of $2.1 billion ($4.81 diluted EPS; adjusted EPS $4.85). Key drivers were broad-based fee income growth (up 10% linked quarter, 20% YoY), continued commercial loan growth (average loans +4% linked quarter, driven by C&I), favorable deposit mix and pricing, and positive operating leverage that improved efficiency. Credit metrics remained healthy; the bank noted strong stress-test resilience with among the lowest capital depletion in its peer group. The board raised the quarterly common dividend 18% to $2.00 and returned $1.3 billion of capital in the quarter (including $610 million buybacks). Management highlighted successful FirstBank integration, new mobile platform launch, and ongoing technology investments. NIM saw modest improvement (net +1 bps linked quarter) with management reiterating an expectation to be above 3% by year-end; loan growth is expected to continue but moderate toward GDP growth in H2. Capital markets fees were strong but volatile; management expects some pull-forward caused an elevated Q2 and guides fees down Q3 (capital markets -~20% QoQ; overall fees down ~5.5% QoQ). CET1 was ~9.9% with an operating target around 10% and Q3 buybacks expected to approximate Q2 levels.
- Guidance
- - Expect to be above 3.0% NIM by the end of the year (management "on record" for this target). - Return of capital: Q3 share repurchases expected to approximate Q2 levels (~$610 million in Q2). - CET1 operating target ~10% (estimated Q2 CET1 ~9.9%). - Fee revenue guide: Q3 fees expected to be down ~5.5% QoQ, driven by capital markets down ~20% QoQ. Full-year expectations: capital markets up ~25-30% YoY, asset management high single digits, card & cash management mid-to-high single digits, lending & deposit services mid single digits, mortgage flattish to down. - ROTCE: tracking to an ~18% annualized exit rate by Q4 2026; longer-term trajectory discussed toward 20% historically but no firm 2027 guidance.
- Risks flagged
- - NIM pressure from mix shift to higher credit-quality, lower-spread commercial loans despite volume benefits. - Fee revenue volatility, particularly capital markets (Q2 elevated; Q3 expected to decline). - Potential upward drift in deposit funding costs (management expects some rate-paid drift back up). - Sector-specific credit pressures to monitor: healthcare, distillery, transportation (fuel cost exposure), and residual CRE office risk despite improvement. - Macroeconomic/interest-rate uncertainty that could affect repricing and funding dynamics.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 15, 2026 | $4.85 est $4.51 | $6.88B est $6.51B | +1.3% |
| Apr 15, 2026 | $4.13 est $3.95 | $6.17B est $6.24B | −0.5% |
| Jan 16, 2026 | $4.88 est $4.23 | $6.07B est $5.96B | +2.8% |
| Oct 15, 2025 | $4.35 est $4.05 | $5.92B est $5.83B | −6.0% |
| Jul 16, 2025 | $3.85 est $3.55 | $5.66B est $5.61B | +2.0% |
| Apr 15, 2025 | $3.51 est $3.38 | $5.45B est $5.48B | −2.4% |
| Jan 16, 2025 | $3.77 est $3.26 | $5.56B est $5.51B | −0.9% |
| Oct 15, 2024 | $3.75 est $3.30 | $5.43B est $5.39B | +0.7% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
PNC Financial Services stock forecast and analyst price targets
Analysts’ average 12-month price target for PNC Financial Services is $277.73, +19.1% from the last close, from 19 firms rating the stock in the last 90 days.
$277.73consensus 12-month target, +19.1% from the last close
Now $233.17Avg $277.73
Low $260High $305
Each firm’s latest rating in the last 90 days: 19 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 15 | Barclays | $284 | +21.8% |
| Sep 8 | Goldman Sachs | $281 | +20.5% |
| Sep 8 | Morgan Stanley | $278 | +19.2% |
| Aug 6 | Barclays | $284 | +21.8% |
| Jul 29 | J.P. Morgan | $269.50 | +15.6% |
+0.5%average 20-day move after past Buying readings
−1.9%average move over the next 20 trading days in the last 5 years
±2.1%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
PNC Financial Services seasonality: the next 20 trading days
Over the next 20 trading days from Sep 19, PNC Financial Services averaged −1.9% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −1.0% | 1 of 5 |
| Next 10 trading days | −1.7% | 1 of 5 |
| Next 15 trading days | −2.3% | 2 of 5 |
| Next 20 trading days | −1.9% | 2 of 5 |
| Next 30 trading days | −0.6% | 2 of 5 |
For scale, PNC’s typical 20-trading-day move in either direction is about 5.1%.
PNC Financial Services market cap and key statistics
PNC Financial Services’s market cap is $93.03B, with a P/E ratio of 12.8 and revenue of $24.32B over the last twelve months.
Valuation
- Market cap
- $93.03B
- P/E ratio
- 12.8
- Forward P/E
- 11
- EPS, TTM
- $18.19
- Gekko Fair Value
- $259.65
Trading
- Volume
- 3.21M
- Avg volume, 20 days
- 1.61M
- 52-week high
- $258.96
- 52-week low
- $176.88
- Shares outstanding
- 398.9M
Financials
- Revenue, TTM
- $24.32B
- Profit margin
- 31.4%
- Return on equity
- 12.6%
- Quarterly earnings growth, YoY
- +24.9%
Risk and income
- Beta
- 0.89
- Typical daily move
- ±2.1%
- Typical 20-day move
- ±5.1%
- Dividend yield
- 2.94%
PNC Financial Services stock news this week
Coverage of PNC Financial Services this week reads positive: 11 positive, 3 neutral and 3 negative headlines.
- Nykredit A S Buys Shares of 136,188 The PNC Financial Services Group, Inc $PNCMarketBeat, Sep 19
- PNC's lead in Pittsburgh banking market narrows as its local deposits dipThe Business Journals, Sep 18
- PNC Financial Reaffirms Outlook as Loans, Fees and AI Investments Gain MomentumYahoo Finance, Sep 18
- The PNC Financial Services Group, Inc (NYSE:PNC) Given Consensus Rating of "Moderate Buy" by AnalystsMarketBeat, Sep 17
- PNC Financial Services Group Inc (PNC) Stock Down 3.9% but Still Overvalued -- GF Score: 76/100GuruFocus, Sep 16
- PNC Bank, N.A. Changes Prime RateYahoo Finance Australia, Sep 16
PNC Financial Services peers
PNC Financial Services’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 3.4% below |
| BACBank of America | Buying | 10.9% below |
| RYRoyal Bank Of Canada | Accumulation | 3.0% below |
| WFCWells Fargo | Accumulation | 6.9% below |
| CCitigroup | Accumulation | 7.7% below |
| TDToronto Dominion Bank | Neutral | 1.0% above |
A peer links to its own page where one exists.
PNC Financial Services stock FAQ
What is PNC Financial Services’s market cap?
PNC Financial Services’s market cap is $93.03B at the Sep 18, 2026 close of $233.17, with 398.9M shares outstanding. The shares trade on a P/E ratio of 12.8.
What is the PNC Financial Services stock forecast?
The consensus analyst 12-month price target for PNC Financial Services is $277.73, +19.1% from the last close. Of the 19 firms that rated the stock in the last 90 days, 14 rate it a buy, 5 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is PNC Financial Services stock overvalued or undervalued?
On Gekko’s estimate PNC Financial Services is undervalued: the Sep 18, 2026 close of $233.17 is 10.2% below Gekko Fair Value of $259.65. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does PNC Financial Services report earnings next?
PNC Financial Services is expected to report on Oct 15, 2026 (25 days away). Analysts expect earnings of $4.91 per share on revenue of $6.61B. PNC Financial Services beat the earnings estimate in 8 of its last 8 reports, moving 2.1% on average across the report.
What is PNC Financial Services’s 52-week high and low?
PNC Financial Services’s 52-week high is $258.96 and its 52-week low is $176.88; it closed at $233.17 on Sep 18, 2026, +14.4% over the past year.
Is PNC Financial Services stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
Prices and signals update after every US market close; the GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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