PNC · sample dossier
PNC Financial Services Group
51/100
OutdatedGenerated Oct 10, 2026 · 10:00 AM UTC · 3 hours ago
This copy is frozen (Oct 10). Sign in to run the same work — filings, valuation, bull and bear, sources — on any US stock or ETF, in about 90 seconds.
Run a fresh dossierPNC
EquityPNC Financial Services GroupXNYS
Decision context
HOLD
70% convictionScore 51 · Hold
A mixed picture — no strong reason to buy or sell right now.
The stock trades 4.7% above our estimate.
Current price
$219.21
Estimated value range
$207.01 – $251.65
Gap vs AlphaDog estimate
-4.7%
Narrow evidence — range rests on a single usable method.
The price is above our estimate, providing little valuation support.
Market context
Price
Price when available
Pick how far back the chart looks
1 month
-9.8%
3 months
-13.3%
6 months
-0.9%
1 year
+15.3%
Financial trajectory
Executive summary & thesis
PNC Financial Services Group is a regional bank with a market capitalization of $87.45B, trading at $219.21 with a P/E multiple of 12.07 and price-to-book of 1.51.
- Latest quarter EPS growth reached 24.9% YoY as reported on 2026-07-15, demonstrating strong bottom-line operating leverage.
- Revenue increased 13.7% YoY in the quarter reported on 2026-07-15, delivering free cash flow per share of $18.58.
- Trailing one-year return reached 15.3% as of 2026-10-10, supported by an expansive net margin of 31.4%.
- Share price contracted 13.3% over the 3 months leading to 2026-10-10, falling below both MA50 and MA200.
- PNC trades at a P/E of 12.07, commanding a valuation premium over peers TFC (10.6) and USB (11.4).
- Insiders recorded net sales of $1.16M between July 2026 and August 2026 with zero open-market purchases.
Things to keep in mind
- 1Base target implies 4.7% downsideView source
- 2P/E 12.1xView source
- 3Share price contracted 13.3% over the 3 months leading to 2026-10-10, falling below both MA50 and MA200.View source
What to watch next
Factor profile
Value-sensitive setup
| Factor | Score |
|---|---|
| Quality | 35 out of 100 (Weak). Business health — profits, returns, and consistency. Higher means a more durable company. |
| Growth | 59 out of 100 (Neutral). How fast sales and earnings are rising. Higher means the business is expanding faster. |
| Value | 80 out of 100 (Strong). How cheap the stock looks for what you get. Higher means a more attractive price. |
| Safety | 50 out of 100 (Neutral). Balance-sheet cushion and fewer red flags. Higher means less risk of a nasty surprise. |
| Momentum | 30 out of 100 (Weak). Recent share-price trend. Higher means buyers have been in control lately. |
Another way to look at it
A calmer look at both sides of the PNC story
The consensus 'Hold' verdict and debate draw complacently treat PNC's 12.07 P/E multiple as an attractive valuation floor, ignoring that it commands an unjustified premium over peer regional banks TFC at 10.6, USB at 11.4, and MTB at 11.5.
Extrapolating the 31.4% net margin and 24.9% EPS growth relies on 87-day-old results from 2026-07-15 that approach the 90-day staleness threshold, while masking mediocre underlying asset productivity reflected in an ROA of just 1.3%. The consensus framework dismisses severe technical breakdown—exemplified by a -13.3% 3-month return, a -9.8% 1-month return, and price trading below both the 50-day and 200-day moving averages—as temporary momentum noise rather than market re-pricing. Meanwhile, zero insider open-market purchases alongside $1.16M in insider sales indicate that management refuses to validate the current valuation. Without structural catalysts to defend its premium multiple, PNC faces severe downside risk toward regional banking peer multiples.
Unjustified peer premium
PNC trades at a P/E of 12.07 and P/B of 1.51 compared to regional peers TFC at 10.6, USB at 11.4, and MTB at 11.5, leaving the stock vulnerable to relative multiple compression despite an undifferentiated ROA of 1.3%.
Missing leverage and capital structure data: The scoring engine and consensus report Debt/Equity as N/A, blinding analysts to balance sheet gearing risks that may be artificially boosting the 31.4% net margin.
Institutional distribution trend
The consensus ignores that price trading below both the MA50 and MA200 alongside a -13.3% 3-month return signals sustained institutional outflow rather than a routine valuation consolidation.
Extrapolating near-stale quarterly metrics
Bullish reliance on 13.7% revenue growth and 24.9% EPS growth stems entirely from the 2026-07-15 8-K filing, which is 87 days old and nearing the 90-day staleness threshold.
Framing a 12.07 P/E as an absolute bargain: Bulls classify the valuation as attractive while ignoring that regional bank peers trade 5% to 14% cheaper (TFC at 10.6, USB at 11.4).
Overstating earnings quality
Highlighting a 31.4% net margin is disconnected from PNC's low factor Quality score of 34.8 out of 100 and modest 1.3% ROA.
Revenue growth falls below the latest quarter print of 13.7%.
Net margin contracts below the trailing twelve-month level of 31.4%.
Cash after investing
Cash-flow details are thin for PNC — check the Financials tab when you can.
- Revenue growth falls below the latest quarter print of 13.7%.
- Net margin contracts below the trailing twelve-month level of 31.4%.
Monitor these triggers
2 checkpoints before the next earnings print
Revenue growth YoY (baseline: 13.7% as of 2026-07-15).
Net margin dropping below 31.4%.
ROA falling below 1.3%.
For learning and research only — not investment advice. AlphaDog doesn’t hold stocks and isn’t your financial advisor.
Run the next one yourself.
You just read a full PNC dossier — scored verdict, valuation, and both sides, with sources. Sign in to run that on a name you hold, on current filings. A free account includes 10 credits a week, 1 per fresh run.