PNC Financial Services (PNC)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$233.45+1.76%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · PNC
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 0.8% |
| Our one-year growth estimate | diamond | 7.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 6.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
PNC — CFO transition
Dated 2026-11-05
CFO — Alexander E. C. Overstrom: The filing announces the internal promotion of Alexander E. C. Overstrom to CFO, succeeding Robert Q. Reilly who is moving to a different executive role within the company.
Why it matters: NII rose 2% in Q3, but the net interest margin slipped to 2.94%. A further decline could weaken this income source.
Worry ifQ4 NII falls below $4.1 billion, or net interest margin drops below 2.90%.
Less concerning ifQ4 NII stays at or above $4.2 billion and net interest margin is at least 2.94%.
Why it matters: Q3 charge-offs rose to $257 million, and commercial nonperforming loans increased 8%. Higher losses would point to worsening credit.
Worry ifQ4 net loan charge-offs exceed $257 million. This excludes any one-time effects from loan transfers.
Less concerning ifQ4 net loan charge-offs fall below $257 million and commercial nonperforming loans do not rise from $2.2 billion.
Why it matters: Average commercial loans grew 4% in Q3. Another strong quarter would support PNC's growth plan.
Supportive ifQ4 average commercial loans rise at least 3% from Q3, with new lending or higher use of credit supporting growth.
Worry ifQ4 average commercial loans are flat or lower than Q3.
Why it matters: PNC finished moving FirstBank customers and branches, but Q3 still had $36 million in integration costs. Lower costs would show the work is winding down.
Supportive ifPNC reports FirstBank integration costs below $36 million in Q4. The completed customer and branch conversion has no delay.
Worry ifQ4 FirstBank integration costs are at least $36 million, or PNC reports a delay or added work in the conversion.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $217 loss on $10,000 · 2.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,721 loss on $10,000 · 17.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: PNC returned $1.4 billion to shareholders in Q3 while its CET1 ratio eased to 9.8%. A further drop would signal less capital cushion.
Worry ifPNC reports a CET1 ratio below 9.8% in a later quarter.
Less concerning ifPNC reports a CET1 ratio of at least 9.8% while continuing its stated level of share repurchases.