PNC
PNC Financial ServicesNYSEFinancialsBanks - RegionalSnapshot 2026-05-08
As of May 8, 2026, PNC has a composite score of 11.3 and a signal label of "mild favorable." This score is influenced by a medium confidence level of 76.3 and a low risk label. Key drivers include macro factors related to rates, growth, and labor, with macro scoring at -7.7, which indicates some unfavorable conditions. The valuation score is 52.7, categorized as fair.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)-0.05
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $4.41 → $4.32 (-2.0% / 30d). 6 raised, 12 cut, 16 covering analysts.
0 upgrades, 0 downgrades / 30d, 8 maintained. 73% of analysts rate Buy.
4 PT revisions / 30d. Avg target 18.6% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
1 material event in the last 24 months — top 1 listed below.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Integration of FirstBank acquisitiongrowthbehind0% progress
4/15: “PNC completed its acquisition of FirstBank Holding Company, including its banking subsidiary FirstBank.”
Why this status
Newly stated in 2026-Q1. PNC completed the acquisition of FirstBank, adding $26 billion of assets, $16 billion of loans, and $23 billion of deposits to its operations. The integration is in its early stages, with financial impacts yet to be fully realized.
- 2.Maintain strong net interest margingrowthbehind0% progress
4/15: “Net interest margin was 2.95% for Q1 2026, up from 2.84% in Q4 2025.”
Why this status
Stated in 2 of last 2 quarters. Net interest margin increased from 2.84% in Q4 2025 to 2.95% in Q1 2026, indicating progress in maintaining a strong margin amidst changing interest rates. The trajectory is delivering on management's focus.
- 3.Enhance credit risk managementotherwatchprovisional
4/15: “PNC updated its defined loan classes and reclassified certain loans based on credit risk monitoring.”
Why this status
Newly stated in 2026-Q1. PNC has updated its loan classifications to enhance credit risk management. The financials show a provision for credit losses of $210 million in Q1 2026, up from $139 million in Q4 2025, indicating proactive risk management efforts.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 21%; 252d 22%.
Drawdown — Max 1y −17%. Bad day move −2%.
Beta to sector ETF (XLF) — 1.10 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 64/100, drawdown 66/100, beta 90/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Integration of FirstBank acquisition
GrowthComplete the integration of FirstBank, acquired in January 2026, into PNC's operations.
BehindNewly stated in 2026-Q1. PNC completed the acquisition of FirstBank, adding $26 billion of assets, $16 billion of loans, and $23 billion of deposits to its operations. The integration is in its early stages, with financial impacts yet to be fully realized.
0%CEO/CFO:“PNC completed its acquisition of FirstBank Holding Company, including its banking subsidiary FirstBank.”Earnings callSource dated 2026-04-15Stated 1 of last 8 quartersFirst seen 2026-04-15Show history (1)
- 2026-Q1Earnings call
“PNC completed its acquisition of FirstBank Holding Company, including its banking subsidiary FirstBank.”
- #2
Maintain strong net interest margin
GrowthFocus on maintaining a strong net interest margin amidst changing interest rates.
BehindStated in 2 of last 2 quarters. Net interest margin increased from 2.84% in Q4 2025 to 2.95% in Q1 2026, indicating progress in maintaining a strong margin amidst changing interest rates. The trajectory is delivering on management's focus.
0%CEO/CFO:“Net interest margin was 2.95% for Q1 2026, up from 2.84% in Q4 2025.”Earnings callSource dated 2026-04-15Stated 2 of last 8 quartersFirst seen 2026-04-15Show history (2)
- 2026-Q1Earnings call
“Net interest margin was 2.95% for Q1 2026.”
- 2025-Q4Earnings call
“Net interest margin was 2.84% for Q4 2025.”
- #3
Enhance credit risk management
OtherImprove credit risk management practices to handle potential loan losses.
WatchNewly stated in 2026-Q1. PNC has updated its loan classifications to enhance credit risk management. The financials show a provision for credit losses of $210 million in Q1 2026, up from $139 million in Q4 2025, indicating proactive risk management efforts.
No scoreCEO/CFO:“PNC updated its defined loan classes and reclassified certain loans based on credit risk monitoring.”Earnings callSource dated 2026-04-15Stated 1 of last 8 quartersFirst seen 2026-04-15provisionalShow history (1)
- 2026-Q1Earnings call
“PNC updated its defined loan classes and reclassified certain loans based on credit risk monitoring.”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Roughly priced in line with peers.
Around its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
PNC PNC Financial Services | +11 | fair | low |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
- If growth state reverses from +0.25 (positive) to -0.25 (negative)-3.0 pts
- If labor state reverses from -0.31 (negative) to +0.31 (positive)-1.9 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-2415d agoItem 5.02
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. (e) On April 22, 2026, The PNC Financial Services Group, Inc. 2026 Omnibus Equity Incentive Plan (the “Plan”) was approved by the shareholders of The PNC Financial Services Group, Inc. (the “Corporation”) at the annual meeting of the Corporation’s shareholders held on that date. The 2026 Plan was previously approved by the board of directors of the…
executive changeneutralscore 40 - 2026-04-1524d agoItem 2.02
Results of Operations and Financial Condition. On April 15, 2026 , The PNC Financial Services Group, Inc. (“PNC”) issued a press release regarding PNC’s earnings and business results for the first quarter of 2026. A copy of PNC’s press release is included in this Report as Exhibit 99.1 and is furnished herewith. In connection therewith, PNC provided supplementary financial information on its website. A copy of PNC’s supplementary financial information is included in this Report as Exhibit 99.…
earnings preannouncementneutralscore 38
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.