What is the fair value of PNC stock?

Our analysis estimates the fair value range for PNC to be between $217.23 and $230.76. The current price is $224.46.

What is the analyst price target for PNC?

The average Wall Street analyst price target for PNC is $263.71. This implies a potential upside of 17.5% from current levels.

PNC Financial Services Group (PNC) Stock: Buy, Sell, or Hold?

PNC - PNC Financial Services Group

NATIONAL COMMERCIAL BANKS

$224.46

-1.07 (-0.47%) ▼

5d: +3.25%

30d: +0.5%

90d: -10.09%

BUY

HIGH Confidence

Analysis Updated: Oct 23, 2026 12:00 AM ET

Earnings: Oct 15, 2026 0d

Smart Money Accumulation

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

Signal fired Oct 14, 2026 at $208.49 · last confirmed Oct 20, 2026

Strength: 3.6/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
✅ BUY SIGNAL: PNC shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.

See Forward Earnings Fair Value & Price Prediction →

PNC is flagged by 1 backtest-validated scanner today

SPY Bullish (stocks from this scanner have beaten SPY by a median 0.37% over the next 20 trading days; PNC has been on it 5 days). Backtested on 8 months of scanner history vs the S&P 500, as of 2026-10-23.

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Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 12.9%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$349.12

Based on 8.5% avg growth

INTRINSIC VALUE TODAY

$216.78

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.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: PNC is currently trading at $224.46, which is considered fair relative to its 30-day fair value range of $217.23 to $230.76. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (10.9). Remarkably, the market is currently pricing in an annual earnings decline of 1.4% 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 uptrend. The price is approaching resistance at $225.72. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: PNC scores 70/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $263.71 (+17.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.

Quick Decision Summary

Current Position FAIR

Historical Trading Range $217.23 - $230.76

Company Quality Score 61/100 (BUY)

Volume Confirmation HIGH

Confidence Score 81.0%

All Signals

NEUTRAL: Price in fair range
BULLISH: Strong technical setup (70/100)
BULLISH: High volume confirmation
BULLISH: Trading below Wall St target ($263.71)
BULLISH: Bottoming setup score 70/100 — corrected, stabilizing, and turning up

Trading Range Analysis

30-Day Trading Range $217.23 - $230.76

Current vs Trading Range FAIR

Support & Resistance Levels

Support Level $208.49

Resistance Level $225.72

Current Trend Strong Uptrend

Technical data as of Oct 23, 2026

Fundamental Context

Forward P/E (Next Year Est.) 10.49

Wall Street Target $263.71 (+17.5%)

Revenue Growth (YoY) 10.9%

Earnings Growth (YoY) 14.3%

Profit Margin 31.7%

Valuation Discount vs History -1.4% cheaper

PE vs Historical 10.5 vs 10.9 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): -1.4% (market-implied from PE analysis)

1-Year Target $221.32 (-1%)

2-Year Target $218.22 (-3%)

3-Year Target $215.16 (-4%)

3-Yr Target (if PE normalizes) (PE: 10→11) $223.55 (0%)

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 12.9%) $611.82 (+173%)

Base: (SPY PE: 10.5, Growth: 12.9%) $323.20 (+44%)

Bear: (PE: 8.9, Growth: 12.9%) $274.72 (+22%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.

Trailing PE: 11.87 | Current EPS (TTM): $19.00

Bull Case $279.36 (+25%)

Analyst growth 12.6%, PE expands to 13.1

Base Case $253.96 (+13%)

Market implied 12.6%, PE stable at 11.9

Bear Case $153.36 (-32%)

Severe decline -20.0%, PE contracts to 10.1

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 10.5 to 10.9

Stabilization Target: $233.21 (+3.9%)

PE Expansion Potential: +3.9%

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Last updated: October 24, 2026 9:36 AM ET
Data refreshes hourly during market hours. Next update: 10:36 AM

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Insider Activity (6 Months)

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