The PNC Financial Services Group, Inc. (PNC)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach PNC as a bank, not an industrial, so I focus on returns, book value, credit and capital. It is a diversified regional lender with retail, corporate/institutional and asset-management arms. The filed numbers show a business that has earned money through the cycle: FY2023, FY2024 and FY2025 net income was $5.6B, $6.0B and $7.0B, with FY2025 revenue of $23.1B and diluted EPS of $16.59. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $6.9B, net income $2.0B and diluted EPS $4.81, versus $5.7B, $1.6B and $3.85 in fiscal Q2 2025. FairStock calculates ROE of 12.62%, a P/E of 12.20, P/B of 1.51, PEG of 0.48 and dividend yield of 3.65% at the 2026-10-13 close. That is a fair-looking price, not a giveaway. The computed Lynch category is SLOW GROWER — Shrinking: profit -1.5% a year over five years, revenue 6.4%, which warns that recent improvement may not be the long-term trend. Piotroski is 6/9. Crucially, the data lacks CET1, net interest margin, efficiency ratio, charge-offs and loan-loss reserves, so I cannot fully judge leverage or underwriting. PNC looks like a solid, reasonably priced bank, but not one with an obvious margin of safety until those bank measures confirm the credit story.

In plain English: PNC is a large U.S. bank that takes deposits, makes loans, and manages money for people and businesses. The business looks solid: it has been profitable, recent quarterly results were stronger, and it pays a dividend. At $219.48, the price looks moderate rather than a clear bargain compared with the company's profits and book value, and bank-specific risks like credit and capital still need watching.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer