Is PNC stock a Buy, Sell, or Hold?

Based on our analysis, PNC is currently a WAIT with low confidence. 📊 MIXED SIGNALS: PNC shows conflicting indicators. Wait for confirmation before entering.

What is the fair value of PNC stock?

Our analysis estimates the fair value range for PNC to be between $248.17 and $255.08. The current price is $243.13.

What is the analyst price target for PNC?

The average Wall Street analyst price target for PNC is $277.73. This implies a potential upside of 14.2% from current levels.

PNC Stock Analysis: Buy, Sell, or Hold?

PNC - PNC Financial Services Group

NATIONAL COMMERCIAL BANKS

$243.13

1.51 (0.62%) ▲

5d: -5.39%

30d: -2.46%

90d: +11.34%

WAIT

LOW Confidence

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Analysis Updated: Aug 21, 2026 12:00 AM ET

Earnings: Oct 15, 2026

Smart Money Accumulation

Options open interest is building while the stock consolidates - a pattern consistent with institutional accumulation. View Scanner →

Signal fired Aug 7, 2026 at $252.56 · last confirmed Aug 21, 2026

Strength: 7.3/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 MIXED SIGNALS: PNC shows conflicting indicators. Wait for confirmation before entering.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 13.8%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$361.57

Based on 8.9% avg growth

INTRINSIC VALUE TODAY

$224.51

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 11.0x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: PNC is currently trading at $243.13, which is considered oversold relative to its 30-day fair value range of $248.17 to $255.08. The stock's valuation (Forward PE: 11.3) is in line with its historical norms (11.0). At these levels, the market is pricing in 0.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, PNC is in a strong uptrend. The price is currently testing key support at $241.30. A bounce from this level would confirm strength, while a break below could signal further downside.

Market Sentiment: The stock scores a mixed 40/100 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 $277.73 (+14.2%). Current signals suggest waiting for a better entry point before initiating new positions.

Quick Decision Summary

Current Position OVERSOLD

Historical Trading Range $248.17 - $255.08

Company Quality Score 48/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 78.1%

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All Signals

BULLISH: Price oversold vs 30-day range
NEUTRAL: Mixed technical signals (40/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($277.73)
NEUTRAL: Market pricing in 0.9% annual earnings growth - fairly valued
WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market

Trading Range Analysis

30-Day Trading Range $248.17 - $255.08

Current vs Trading Range OVERSOLD

Support & Resistance Levels

Support Level $241.30

Resistance Level $258.96

Current Trend Strong Uptrend

Technical data as of Aug 21, 2026

Fundamental Context

Forward P/E (Next Year Est.) 11.30

Wall Street Target $277.73 (+14.2%)

Revenue Growth (YoY) 23.6%

Earnings Growth (YoY) 24.9%

Profit Margin 31.4%

Valuation Premium vs History +0.9% premium

PE vs Historical 11.3 vs 11.0 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +0.9% (market-implied from PE analysis)

1-Year Target $245.32 (+1%)

2-Year Target $247.53 (+2%)

3-Year Target $249.75 (+3%)

3-Yr Target (if PE normalizes) (PE: 11→11) PE COMPRESSION $243.12 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.1, Growth: 13.8%) $637.02 (+162%)

Base: (SPY PE: 11.3, Growth: 13.8%) $358.66 (+48%)

Bear: (PE: 9.6, Growth: 13.8%) $304.86 (+25%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.

Trailing PE: 13.57 | Current EPS (TTM): $17.81

Bull Case $321.09 (+32%)

Analyst growth 20.8%, PE expands to 14.9

Base Case $291.90 (+20%)

Market implied 20.8%, PE stable at 13.6

Bear Case $164.30 (-32%)

Severe decline -20.0%, PE contracts to 11.5

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: August 24, 2026 6:15 AM ET
Data refreshes hourly during market hours. Next update: 7:15 AM

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Technical Signals Check

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Insider Activity (6 Months)

Buys

Sells

Net

INSIDERS BUYING

Recent Transactions

Shelley Moore Capito BUY 2026-03-12

Ro Khanna SELL 2026-03-10

Linda R Medler BUY 20 shares 2026-03-09

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Advanced PNC Option Strategies

Professional options setups generated by AI based on today's PNC price and gamma walls.

Iron Condor Bull Call Bear Put Collar

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