The PNC Financial Services Group, Inc.PNC
NYSE • Financial Services
$221.13
P/E
12.63
PEG
0.43
FCF Yield
5.5%
Rev Growth YoY
+9.6% YoY
Gross Margin
100.0%
Health Score
7/10
D/E Ratio
0.73
Confidence
MEDIUM
Business Snapshot
The PNC Financial Services Group is one of the largest diversified regional banks in the United States, offering retail banking, corporate and institutional banking, asset management, and mortgage services. It operates at a large-cap scale with a market capitalisation of $89.41B, placing it firmly in the large-cap tier. PNC competes in the U.S. regional banking sector, where it has a significant branch network and a growing national digital presence.
Financial Health
**Score: 7/10** PNC demonstrates solid financial health across three key dimensions. Net margin stands at a healthy 31.1% on TTM revenue of $22.32B, reflecting the inherent margin structure of a well-run banking franchise...
Risk Assessment
- **TECHNICAL DIVERGENCE:** Despite a golden cross formation and price above both the 50-day MA ($217.27) and 200-day MA ($200.88), the MACD signal is bearish, indicating potential short-term momentum deterioration. - **PRICE PROXIMITY TO 52-WEEK HIGH:** Current price of $221.13 sits approximately 9.3% below the 52-week high of $243.94, but 49% above the 52-week low of $148.28, suggesting the stock has already recovered significantly and may face overhead resistance. - **MISSING VALUATION CROSS-CHECK:** The FMP DCF fair value is unavailable, meaning the DCF upside case rests on a single model with assumed inputs rather than two independent estimates. - **EV/EBITDA ELEVATION:** EV/EBITDA of 30.19x is notably high relative to typical regional bank valuations, which may reflect market pricing of deposit franchise value but warrants scrutiny against peers. - **NEWS SENTIMENT RELEVANCE:** The top-scored news headlines in the payload reference companies unrelated to PNC (Hudson Technologies, Chemed), raising questions about signal accuracy for this specific ticker. ---...