PNC Financial Services Group (PNC) Stock: Buy, Sell, or Hold?
$232.29
+1.26 (+0.55%)
▲
5d:
+3.07%
30d:
+8.07%
90d:
-8.74%
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70/30 Portfolio Builder
Earnings: Oct 15, 2026
0d
Protect PNC Gains
Updated Nov 13, 12:00 AM ET
QUANTITATIVE VERDICT
HOLD
MODERATE Confidence (49%)
Quality Score
54/100
Position
EXTENDED
30-Day Fair Range
$218.86 – $230.02
Position: EXTENDED
Forward P/E & Valuation
10.9x
FAIR
vs 10.9x historical avg
Wall Street Target
$263.57
+13.5% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$224.36 / $239.59
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 HOLD: PNC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$346.07
Based on 8.3% avg growth
INTRINSIC VALUE TODAY
$214.88
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PNC is currently trading at $232.29, which is considered extended relative to its 30-day fair value range of $218.86 to $230.02. The stock's valuation (Forward PE: 10.9) is in line with its historical norms (10.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% over the next few years. This pessimistic expectation contrasts with the company's recent 14.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PNC is in a strong downtrend. Immediate support is located at $224.36, while resistance sits at $239.59.
Market Sentiment: The stock scores a mixed 47/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $263.57 (+13.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PNC is in a strong downtrend. Immediate support is located at $224.36, while resistance sits at $239.59.
Market Sentiment: The stock scores a mixed 47/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $263.57 (+13.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$218.86 -
$230.02
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
Trading Range & Key Levels
30-Day Trading Range
$218.86 -
$230.02
Current vs Trading Range
EXTENDED
Support Level
$224.36
Resistance Level
$239.59
Current Trend
Strong Downtrend
Technical data as of
Nov 13, 2026
Protect Your Profits
Holding PNC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (47/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($263.57)
- NEUTRAL: Bottoming setup forming (47/100) — watch for confirmation
Fundamental Context
Forward P/E (Next Year Est.)
10.88
Wall Street Target
$263.57
(+13.5%)
Revenue Growth (YoY)
10.9%
Earnings Growth (YoY)
14.3%
Profit Margin
31.7%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
10.9 vs 10.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$231.83
(0%)
2-Year Target
$231.36
(0%)
3-Year Target
$230.90
(-1%)
3-Yr Target (if PE normalizes)
(PE: 11→11)
$231.35
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 12.6%)
$606.12
(+161%)
Base:
(SPY PE: 10.9, Growth: 12.6%)
$332.01
(+43%)
Bear:
(PE: 9.2, Growth: 12.6%)
$282.21
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.30 | Current EPS (TTM): $18.78
Bull Case
$288.95
(+24%)
Analyst growth 13.7%, PE expands to 13.5
Base Case
$262.68
(+13%)
Market implied 13.7%, PE stable at 12.3
Bear Case
$157.10
(-32%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.9 to 10.9
Stabilization Target:
$232.75
(+0.2%)
PE Expansion Potential:
+0.2%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (PNC)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 21, 2026
Daily AI digest
AI Retail Discussion Summary:
A proposed change to the federal drug-discount program could result in increased borrowing demand for hospitals, potentially benefiting established hospital lenders such as PNC.
Key Retail Themes:
Federal drug program changes
Bank lending demand potential
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 13, 2026 8:53 PM ET
Data refreshes hourly during market hours. Next update: 9:53 PM
Data refreshes hourly during market hours. Next update: 9:53 PM
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Technical Signals Check
Is PNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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