Is PNC or PNFP more undervalued in 2026?

CirclFi compares PNC Financial Services Group, I (PNC) and Pinnacle Financial Partners, In (PNFP) using 13 institutional-grade valuation models. PNC has a Quality of Company score of 5.5/10 while PNFP scores 7.8/10.

Which is a better buy — PNC or PNFP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do PNC and PNFP valuations compare?

PNC at $219.78 and PNFP at $96.99 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PNC vs PNFP Valuation Comparison 2026 — Intrinsic Value Analysis

PNC

Banks - Regional

PNC Financial Services Group, I

Quality

5.5

out of 10

Value Trap

SAFE

Price

$219.78

Last close

Models

12/13

Active

PNFP

Banks - Regional

Pinnacle Financial Partners, In

Quality

7.8

out of 10

Value Trap

—

Price

$96.99

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	PNC Fair Value	PNC Upside	PNFP Fair Value	PNFP Upside
Bayesian DCF	Intrinsic	$131.95	-40.0%	$54.15	-44.2%
Earnings Power Value	Intrinsic	$215.92	-1.8%	$66.93	-31.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PNC vs PNFP — Which Stock Is More Undervalued?

PNFP scores higher with a 7.8/10 quality rating vs PNC's 5.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing PNC Financial Services Group, I (PNC) and Pinnacle Financial Partners, In (PNFP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

PNC currently trades at $219.78 with a QOC of 5.5/10, while PNFP trades at $96.99 with a QOC of 7.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).