PNC Stock Analysis: Buy, Sell, or Hold?
PNC - PNC Financial Services Group
$223.30
-1.16 (-0.52%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 15, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PNC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: PNC shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$355.08
Based on 8.7% avg growth
INTRINSIC VALUE TODAY
$220.48
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PNC is currently trading at $223.30, which is considered extended relative to its 30-day fair value range of $212.38 to $221.86. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (11.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 29.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PNC is in a strong uptrend. The price is currently testing key support at $217.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PNC is in a strong uptrend. The price is currently testing key support at $217.50. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$212.38 -
$221.86
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
46.2%
Protect Your Profits
Holding PNC? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($245.93)
Fair Price Analysis
30-Day Fair Range
$212.38 -
$221.86
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$217.50
Resistance Level
$227.78
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.98
Wall Street Target
$245.93
(+9.6%)
Revenue Growth (YoY)
9.6%
Earnings Growth (YoY)
29.4%
Profit Margin
31.1%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
11.0 vs 11.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$221.09
(-2%)
2-Year Target
$217.78
(-3%)
3-Year Target
$214.51
(-4%)
3-Yr Target (if PE normalizes)
(PE: 11→12)
$224.64
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 13.3%)
$663.19
(+196%)
Base:
(SPY PE: 11.0, Growth: 13.3%)
$326.59
(+46%)
Bear:
(PE: 9.3, Growth: 13.3%)
$277.60
(+24%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 13.48 | Current EPS (TTM): $16.60
Bull Case
$302.99
(+35%)
Analyst growth 23.1%, PE expands to 14.8
Base Case
$275.44
(+23%)
Market implied 23.1%, PE stable at 13.5
Bear Case
$152.12
(-32%)
Severe decline -20.0%, PE contracts to 11.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 11.0 to 11.5
Stabilization Target:
$235.06
(+4.7%)
PE Expansion Potential:
+4.7%
Last updated: January 30, 2026 4:12 PM ET
Data refreshes hourly during market hours. Next update: 5:12 PM
Data refreshes hourly during market hours. Next update: 5:12 PM
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Technical Signals Check
Is PNC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Val T. Hoyle
SELL
2025-09-23
Linda R Medler
SELL
71 shares
2025-08-27
Julie Johnson
SELL
2025-08-14
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Advanced PNC Option Strategies
Professional options setups generated by AI based on today's PNC price and gamma walls.
