PNC Financial Services (PNC)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$245.60+0.17%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PNC
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 12 valuation methods, at three horizons. As of 2026-09-04. 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.
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 $246 PNC trades at 1.5× p/b, in line with its 1.3× p/b peer median, and our $241 fair value agrees. We hold it with medium confidence: our number sits below the analyst range. Analysts target $257–$305. Note: our $241 fair value sits below the entire analyst range ($257–$305). Even valued only for durable growth at sustainable margins, it's worth about $278 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
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).
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 | $280.00 | — | — | Analyst | high |
| dcf fcfe | 12M | $1549.44 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $99.32 | — | — | Hist. CAGR | high |
| graham number | 12M | $255.21 | — | — | TTM | high |
| Peer P/B | 12M |
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.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$257.00 – $305.00 (median $280.00) · 16 analysts · as of 2026-07-23
No fragility gates fired. 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.
Roughly priced in line with peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $213.10 |
| 1.3 |
| 158.96 |
| TTM |
| high |
| Peer P/FCF | 12M | $205.54 | 11.1 | 18.58 | TTM | high |
| Peer P/E | 12M | $230.92 | 11.2 | 20.71 | ntm analyst | high |
| Peer P/S | 12M | $178.70 | 2.9 | 62.10 | TTM | high |
| PEG | 12M | $465.54 | 25.6 | 18.21 | TTM | high |
| residual income | 12M | $174.10 | — | — | TTM | high |
| Own P/E history | 12M | $245.52 | 13.5 | 18.21 | TTM | high |
| triangulated | 12M | $232.86 | 12.4 | 18.77 | Triangulated | high |
| Peer P/B | 3Y | $276.64 | 1.3 | 206.36 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $122.91 | 11.1 | 11.11 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $273.92 | 11.2 | 24.56 | Analyst | medium |
| Peer P/S | 3Y | $225.31 | 2.9 | 78.30 | Analyst | medium |
| PEG | 3Y | $627.97 | 25.6 | 24.56 | Analyst | medium |
| Own P/E history | 3Y | $331.19 | 13.5 | 24.56 | Analyst | medium |
| Peer P/B | 5Y | $329.22 | 1.3 | 245.58 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $87.24 | 11.1 | 7.89 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $318.51 | 11.2 | 28.56 | Analyst | high |
| Peer P/S | 5Y | $261.99 | 2.9 | 91.04 | Analyst | high |
| PEG | 5Y | $730.20 | 25.6 | 28.56 | Analyst | high |
| Own P/E history | 5Y | $385.10 | 13.5 | 28.56 | Analyst | high |