PNC Financial Services (PNC)
NYSEFinancialsBanks - RegionalSnapshot 2026-07-07
$254.00+0.32%
Close 2026-07-07 · 1-day change
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Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. Current price $254.00. As of 2026-07-08. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A long-thesis check that carries the widest uncertainty of the three horizons.
Bottom 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $254 PNC trades at 1.6× p/b, below its 2.1× p/b peer median, but our blended $238 fair value sits below the price. It's a high-confidence read. Analysts target $234–$288. Even valued only for durable growth at sustainable margins, it's worth about $291 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
$234.00 – $288.00 (median $270.00) · 11 analysts · as of 2026-07-07
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Only weak execution quality — not the full expensive x weak x turbulent stack. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Richer than its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $270.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $110.32 | — | — | Hist. CAGR | high |
| graham number | 12M | $246.74 | — | — | TTM | high |
| Peer P/B | 12M | $329.87 | 2.1 | 157.22 | TTM | high |
| Peer P/FCF | 12M | $229.13 | 13.6 | 16.84 | TTM | high |
| Peer P/E | 12M | $284.80 | 16.5 | 17.21 | TTM | high |
| Peer P/S | 12M | $198.40 | 3.4 | 58.80 | TTM | high |
| PEG | 12M | $487.19 | 28.3 | 17.21 | TTM | high |
| residual income | 12M | $169.75 | — | — | TTM | high |
| Own P/E history | 12M | $225.86 | 13.1 | 17.21 | TTM | high |
| triangulated | 12M | $292.26 | 16.5 | 17.66 | Triangulated | high |
| Peer P/B | 3Y | $428.02 | 2.1 | 204.01 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $131.36 | 13.6 | 9.66 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $400.89 | 16.5 | 24.23 | Analyst | medium |
| Peer P/S | 3Y | $259.15 | 3.4 | 76.80 | Analyst | medium |
| PEG | 3Y | $685.77 | 28.3 | 24.23 | Analyst | medium |
| Own P/E history | 3Y | $317.93 | 13.1 | 24.23 | Analyst | medium |
| Peer P/B | 5Y | $509.19 | 2.1 | 242.70 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $90.65 | 13.6 | 6.66 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $477.21 | 16.5 | 28.84 | Analyst | high |
| Peer P/S | 5Y | $308.48 | 3.4 | 91.42 | Analyst | high |
| PEG | 5Y | $816.34 | 28.3 | 28.84 | Analyst | high |
| Own P/E history | 5Y | $378.45 | 13.1 | 28.84 | Analyst | high |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.