PNC- The PNC Financial Services Group, Inc.
Financial Services · Banks - Regional
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 20 analysts
12-Month Price Target
$277.73
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $244.24
Graham Number
√(22.5 × EPS × Book Value)
$243.91
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$98.50
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
12.6%Return on equity - measures how efficiently capital is used
Positive profit margin
31.4%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+23.6%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+24.9%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$456M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
3.28%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 15, 2026
32
days
EPS (TTM)
$18.17
P/E (TTM)
13.4
Fwd P/E
11.4
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
3.28%
5Y Avg Annual
$6.0300
Last Payment
$2.0000
Ex-Date
07/20/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest07/20/2026 | 08/05/2026 | $2.0000 | 3.28% |
04/14/2026 | 04/30/2026 | $1.7000 | 2.78% |
01/20/2026 | 02/05/2026 | $1.7000 | 2.78% |
10/14/2025 | 10/30/2025 | $1.7000 | 2.78% |
07/15/2025 | 07/31/2025 | $1.7000 | 2.78% |
04/16/2025 | 05/02/2025 | $1.6000 | 2.62% |
01/15/2025 | 01/31/2025 | $1.6000 | 2.62% |
10/16/2024 | 11/01/2024 | $1.6000 | 2.62% |
Magic Number
Shares needed to self-fund your next purchase
$244.24
Price
$2.0000
Last div. (quarterly)
123
shares
Own 123 PNC shares ($30,041.52) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$30,041.52
New shares / year
+4 shares
Dividend Calculator
3.28% yieldEstimate PNC dividend income at the current rate.
Per year
$327.55
Per month
$27.3
≈ 40.9 shares at $8/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
PNC vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About The PNC Financial Services Group, Inc.
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 offers 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.
Sector
Financial Services
Industry
Banks - Regional
Location
Pittsburgh, United States
Employees
55,704
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The PNC Financial Services Group, Inc. (PNC) stock trades at $244.24, up 0.52% on the day. With a market capitalization of $97.44 billion, PNC is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 13.4, a forward P/E of 11.4 and earnings per share (EPS) of $18.17. Over the most recent period the company reported 24% year-over-year revenue growth and a net profit margin of 31.4%. Below you'll find PNC's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
PNC - Frequently Asked Questions
Is The PNC Financial Services Group, Inc. (PNC) a good stock to buy in 2026?
The PNC Financial Services Group, Inc. (PNC) shows strengths such as revenue growth of 24% and a strong 31% net margin. Whether PNC is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is PNC's stock price today?
The PNC Financial Services Group, Inc. (PNC) trades at $244.24, up 0.52% on the session. Prices on this page update throughout the trading day.
Does PNC pay a dividend?
Yes. The PNC Financial Services Group, Inc. pays an annual dividend of $8.00 per share, a dividend yield of 3.28%. The most recent ex-dividend date was July 20, 2026. Its payout ratio is about 37% of earnings.
Is PNC overvalued?
With a P/E ratio of 13.4×, PNC trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 1.69. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is PNC's market cap?
The PNC Financial Services Group, Inc. (PNC) has a market capitalization of $97.44 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.