PNC
The PNC Financial Services Group, Inc.Evidence as of 2026-09-02Overview · The PNC Financial Services Group, Inc.
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of deposit; residential mortgages, home equity loans and lines of cr…
Management team
- Mr. Mark Kenneth Wiedman · PresidentFind on LinkedIn
- Ms. Amanda Rosseter · Executive VP, Chief Communications & Brand OfficerFind on LinkedIn
- Ms. Laura L. Long · Executive VP, General Counsel & Chief Administrative OfficerFind on LinkedIn
- Mr. Alexander E. C. Overstrom · EVP & Head of Retail BankingFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.4 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
PNC's recent operating picture in the packet is mixed but concrete: revenues rose from $ 5,145,000,000 for the three months ended 31 March 2024 to $ 6,165,000,000 for the three months ended 31 March 2026 and then to $ 6,875,000,000 for the three months ended 30 June 2026, while diluted EPS increased from $ 3.10 for the three months ended 31 March 2024 to $ 4.81 for the three months ended 30 June 2026. Management reported net income of $ 2,055 million, or $ 4.81 per diluted share, for the three months ended June 30, 2026, with quarter‑over‑quarter total revenue up $ 710 million ( 12% ) driven by net interest income of $ 4,107 million and noninterest income of $ 2,768 million.
The packet also documents the January 5, 2026 completion of the FirstBank acquisition (consideration ~$ 4.2 billion cash and PNC common and Series A preferred stock, plus $ 0.1 billion exchange consideration to Series B preferred), with the June 2026 results including the full‑quarter benefit. Balance sheet highlights at June 30, 2026 show assets of $ 616,034 million, loans of $ 367,953 million, total deposits of $ 449,792 million and borrowed funds of $ 85,723 million. Market and valuation metrics in the sample are consistent with moderate market optimism: a reported golden‑cross alignment as of 2026-09-01, 12_1 momentum +35.5% (76th percentile), 3‑ and 6‑month positive momentum, a trailing twelve‑month yield of 2.99% and a P/E (TTM) of 13.86 on a $ 94,745,131,476 market cap and $ 180,468,131,476 enterprise value.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenues rose from $5,145,000,000 in the three months ended 31 March 2024 to $6,165,000,000 in the three months ended 31 March 2026, and then to $6,875,000,000 in the three months ended 30 June 2026.
XBRL companyfacts · 0001628280-26-053170Diluted earnings per share increased from $3.10 for the three months ended 31 March 2024 to $4.81 for the three months ended 30 June 2026.
XBRL companyfacts · 0001628280-26-053170Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
PNC reported net income of $2,055 million, or $4.81 per diluted common share, for the three months ended June 30, 2026, an increase of $283 million (16%) versus the quarter ended March 31, 2026, primarily due to higher noninterest income and net interest income, partially offset by higher noninterest expense.
10-Q filed 2026-08-05For the three months ended June 30, 2026 compared to the three months ended March 31, 2026, total revenue increased $710 million (12%) to $6,875 million, with net interest income of $4,107 million (up $146 million, or 4%) and noninterest income of $2,768 million (up $564 million, or 26%).
10-Q filed 2026-08-05Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
As of 2026-09-01, PNC's 12_1 momentum is +35.5% and ranks in the 76th percentile of the 547-stock research universe.
Moneyta signal set · 2026-09-01weakened in debateAs of 2026-09-01, short- to medium-term momentum is positive: 3m momentum +7.5% and 6m momentum +12.3%, with 6m momentum in the 65th percentile of the 547-stock universe.
Moneyta signal set · 2026-09-01weakened in debateReads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
PNC appears as a holding in multiple broad-market and financial-sector ETFs, including XLF (1.13% weight), VTV (0.35%), VYM (0.34%), VOO (0.15%), IVV (0.15%), SCHX (0.14%), VTI (0.13%), and SCHB (0.12%) in the membership data snapshots provided between 2026-08-10 and 2026-09-02.
ETF constituents · market dataOne membership snapshot shows PNC at 1.61% weight in MEIKX as of 2026-06-23T22:20:30.028962+00:00.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
A valuation piece published on 1 September 2026 presents an intrinsic DCF value of $262 versus a market price of $240 for PNC.
News · gurufocus.com · 2026-09-01A report on 1 September 2026 states that GTS Securities LLC reduced its stake in PNC by 71.5% in the second quarter, holding 872 shares after the change.
News · thelincolnianonline.com · 2026-09-01Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Director Feldstein reported three open-market sales on 2026-05-26 totaling $9,982,000 across 45,000 shares (one sale of $5.1M for 23,000 shares, one sale of $4.0M for 18,000 shares, and one sale of $882k for 4,000 shares).
Form 4 · Feldstein Andrew T (Director) · $5.1M sold · 2026-05-26Executive Vice President Juchno Stacy M. sold 3,354 shares for $858,000 on 2026-08-13.
Form 4 · Juchno Stacy M. (Executive Vice President) · $858k sold · 2026-08-13Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The share price used in this analysis is $237.49 as of 2026-09-01.
Valuation inputs · SEC XBRL + stored EOD closeTrailing twelve-month earnings per share (EPS TTM) is $17.14.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Several independently sourced filings and market signals jointly support a favorable read. PNC’s sequential and multi-year revenue and EPS growth are documented in SEC filings (fundamentals-0, fundamentals-1, filings-0, filings-1) and are strong evidence of improving operating performance, with the June quarter explicitly noting higher net interest and noninterest income (filings-1) and net income/margin pickup (filings-0). The completed FirstBank acquisition and its full-quarter contribution (filings-2), together with materially higher share repurchases in sampled quarters (fundamentals-3), provide medium-strength evidence of both strategic revenue/scale effects and capital-return activity. Market signals — positive momentum, a golden-cross technical alignment, low recent volatility, a nearly 3% trailing dividend yield with multi-year dividend growth, and a third-party DCF valuation above market price (market-0 through market-4, news-0) — add corroborating, medium-strength support for a favorable view when combined with the fundamentals. Evidence strength: filings and reported financials are strong; acquisition and repurchase disclosures are medium-strong; market/valuation signals are medium.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.33
40 surviving claims rest on 19 distinct sources; the heaviest analyst carries 20% of them, and 96% of what the desk raised survived the debate.
The surviving set rests on a moderate source base (19 sources) with a single analyst contributing one-fifth of the surviving claims and an unusually high desk survival rate (96%). This mix suggests the read is reasonably well-sourced but not immune to single-analyst influence, and the high survival rate may indicate limited adversarial pruning — treat the bundle as informative but somewhat brittle to targeted counter-evidence.
Peer context · computed, not argued
12-1 momentum ranks 2nd of 3 in Banks—Regional (as of 2026-09-01).
90-day volatility ranks 3rd of 3 in Banks—Regional (as of 2026-09-01).
dividend yield ranks 2nd of 3 in Banks—Regional (as of 2026-09-01).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
26 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.7 to the score
3 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.7 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash+0.5 to the score
2 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.7 to the score
3 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
7 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state — stated and inferred flags kept apart.
Read by Talbot−0.7 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on PNC Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.