PNC
The PNC Financial Services Group, Inc.Evidence as of 2026-10-09The desk's Snapshot
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Overview · 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
Start free to see the full management team.
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.
−0.3 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.
The desk concludes a Mixed evidence balance ( -0.3 of a possible +2; was -0.3 before debate) · confidence high. PNC reported revenues of $ 6,875,000,000 for Q2 2026 (fiscal quarter ended 2026-07-20) and $ 6,165,000,000 for Q1 2026 (fiscal quarter ended 2026-04-14), with diluted EPS rising from $ 4.13 in Q1 2026 to $ 4.81 in Q2 2026 and net income in Q2 2026 of $ 2,040,000,000 versus $ 1,627,000,000 in Q2 2025 (fiscal quarter ended 2025-07-15). Balance-sheet and market signals show long-term debt climbed to $ 85,723,000,000 as of 2026-06-30 while common shares outstanding moved from 403,370,923 as of 2026-02-03 to 398,943,667 as of 2026-07-20; market metrics show a trailing P/E of 12.82, a dividend yield of 3.23%, a beta of 0.60, low realized volatility, and a current price below the 50- and 200-day SMAs with a reported golden_cross = true.
The filings and disclosures substantiate elevated risk language: updated 10-Q risk factors (filed 5 August 2026) expand vulnerability to adverse U.S. economic conditions and add liquidity- and funding-related language, while the 10-K (filed 20 February 2026) broadened climate-risk discussion and the 10-Q also expanded cyber and technology risk disclosures. Insider filings show aggregate reported sales of $ 12.2M over the past 180 days, with no open-market officer purchases reported in that window.
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.
PNC reported revenues of $6,875,000,000 for the quarter Q2 2026 (2026-04-01 to 2026-06-30, 3mo).
XBRL companyfacts · 0001628280-26-053170PNC reported revenues of $6,165,000,000 for the quarter Q1 2026 (2026-01-01 to 2026-03-31, 3mo).
XBRL companyfacts · 0000713676-26-000038Reads 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.
The risk-factor disclosure in the 10-Q filed 5 August 2026 adds or expands language stressing vulnerability to adverse U.S. economic conditions, including declining demand, reduced creditworthiness of borrowers, inflationary pressures, housing affordability and uncertainty about the timing and extent of Federal Reserve rate changes.
Management's discussion · filed 2026-08-05The 10-Q filed 5 August 2026 adds or materially rewords liquidity- and funding-related risk language, including new emphasis that our liquidity could be impaired by unanticipated outflows, deposit loss, higher-than-expected draws on commitments, inability to sell assets at favorable prices, counterparty default or loss of market confidence.
Management's discussion · 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.
PNC's beta vs SPY is 0.60 and its correlation vs SPY is 0.36 as of 2026-10-08.
Moneyta signal set · 2026-10-08Short-term momentum is negative: momentum_3m = -12.8% while 6-month momentum is -0.8%; the 12-month-minus-1-month momentum metric is +21.0% and ranks in the 65th percentile of the 881-stock universe as of 2026-10-08.
Moneyta signal set · 2026-10-08weakened 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.
Institutional 13F-reported holdings total "$82.17B" as of 2026-06-30 (13F filings carry a 45-day reporting lag).
13F holdings · 2042 filers · as of 2026-06-30Top reported institutional holders (13F) as of 2026-06-30 include BlackRock, Inc. with "$7.92B", VANGUARD CAPITAL MANAGEMENT LLC with "$6.45B", and STATE STREET CORP with "$4.54B".
13F holdings · 2042 filers · as of 2026-06-30Reads 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 headline on 2026-10-08 reports that TD Cowen started coverage of The PNC Financial Services Group.
News · thelincolnianonline.com · 2026-10-08A headline on 2026-10-08 frames PNC's upcoming report as one where earnings are expected to grow.
News · zacks.com · 2026-10-08Reads 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.
Insiders reported aggregate sales of "$12.2M" over the 180-day window in the parsed activity.
Form 4 · Juchno Stacy M. (Executive Vice President) · $858k sold · 2026-08-13There are no open-market officer purchases in the parsed filings: the summary shows "bought": "$0" and "distinct_buyers": 0 within the 180-day window.
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 was $219.68 as of 2026-10-08.
Valuation inputs · SEC XBRL + stored EOD closeThe reported trailing twelve‑month price/earnings ratio is 12.82, based on trailing EPS of $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.
PNC’s recent SEC filings show concrete, company-reported strength: sequential revenue growth across Q1–Q2 2026, a meaningful rise in diluted EPS quarter-over-quarter, and year-over-year net income improvement — all sourced to the company 10-Q/K filings and therefore high-strength primary evidence. Share count declined modestly over the period and 13F data show heavy institutional ownership and a recent quarter-over-quarter increase in reported institutional value and holder counts, which together support a favorable institutional-interest narrative. Market metrics further reinforce a defensive, income-oriented profile (low beta, low realized volatility, and a >3% trailing dividend yield with multi-year dividend growth), and multiple analyst outlets recently framed near-term earnings expectations positively. Against the bear points, the rise in long-term debt and expanded risk-language are factually present in filings but can be contextualized by robust operating cash flow reported for the trailing twelve months and the matching EV/debt relationship in the valuation evidence; similarly, insider sales and technical drawdowns are observable but are counterbalanced by concentrated institutional ownership and supporting analyst coverage. Evidence strength: financials and filings are high-strength primary sources; 13F/ownership and valuation figures are medium-to-high strength; market sentiment and news items are lower-strength but supportive.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.35
38 surviving claims rest on 15 distinct sources; the heaviest analyst carries 16% of them, and 99% of what the desk raised survived the debate.
The read is moderately robust but not ironclad: 38 surviving claims draw on 15 distinct sources, so multiple evidence strands exist, yet a single analyst or contributor concentrates a meaningful share of the interpretive load. The very high survival rate through debate implies low internal contention, but source concentration and analyst dependence reduce how much weight you can place on any single aggregated inference.
Peer context · computed, not argued
12-1 momentum ranks 2nd of 7 in Banks—Regional (as of 2026-10-08).
90-day volatility ranks 5th of 7 in Banks—Regional (as of 2026-10-08).
dividend yield ranks 4th of 7 in Banks—Regional (as of 2026-10-08).
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.
13 filings· 2 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
12 documents· 1 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.6 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+0.0 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.8 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· 1 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot−0.8 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.
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.
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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.