The PNC Financial Services Group, Inc. (PNC) Fair Value 2026

PNC · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.2 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-31, The PNC Financial Services Group, Inc. (PNC) trades at $239.63, versus a $196.78 median fair value across its 6 active models — 17.9% below the current price. QOC: 8.2/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
PNC
Price
$239.63
Quality Score
8.2/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.2/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is The PNC Financial Services Group, Inc. (PNC) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, The PNC Financial Services Group, Inc. (PNC) appears overvalued as of : the median of 6 independent fair value estimates is $196.78, 17.9% below the current price of $239.63. Estimates range from $115.95 to $326.38. PNC scores 8.2/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.1% versus its own 13-model consensus, across 3,804 rated companies as of 2026-08-31. PNC’s -17.9% gap is narrower than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy The PNC Financial Services Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give PNC?

6 Intrinsic Value Models vs. Current Price ($239.63)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $115.95 -51.6%
Ensemble · Medium Conviction
 $177.69 -25.8%
Intrinsic · High Conviction
 $148.38 -38.1%
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What Is PNC's Fair Value Range?

Spread across 6 independent models · $115.95 to $326.38

CirclFi's 6 active models place The PNC Financial Services Group, Inc. (PNC) between $115.95 and $326.38 per share, a spread of 107% of the median. The median of that range — $196.78 — is the fair value CirclFi publishes for PNC, against a current price of $239.63.

Low · EPVHigh · Regime Cross
$115.95median $196.78$326.38
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$115.95
Most bullish modelRegime Cross-Sectional$326.38
Model agreement1 bullish · 5 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for PNC. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on PNC, not a CirclFi price target. How each model works →

What Is The PNC Financial Services Group, Inc. (PNC) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, The PNC Financial Services Group, Inc.'s intrinsic value is estimated at $196.78, suggesting the stock is overvalued at its current price of $239.63. With 5 out of 6 models flagging downside (-17.9% vs price), the market may be pricing in unsustainable growth. The most optimistic model, Regime Cross, places fair value at $326.38 (+36.2%), while EPV — the most conservative — estimates $115.95 (-51.6%). This +87.8% gap reflects genuine analytical uncertainty about The PNC Financial Services Group, Inc.'s intrinsic worth.

What Do the Models Say About PNC?

6 of 13 models are currently active for PNC. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for PNC is $196.78 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PNC Rank in Banks - Regional?

Among 352 Banks - Regional stocks, PNC ranks #123 by Quality of Company score. CirclFi's QOC score of 8.2/10 evaluates 32 fundamental signals. A score of 8.2 places PNC in the top tier.

See all Most Undervalued Banks - Regional Stocks →

As a banking sector, The PNC Financial Services Group, Inc. operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating PNC should weigh these sector-specific dynamics alongside our model-derived fair values.

Is PNC a Value Trap?

CirclFi's Value Trap algorithm assigns PNC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for The PNC Financial Services Group, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, The PNC Financial Services Group, Inc. is rated at 8.2/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +87.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PNC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PNC's 6 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy The PNC Financial Services Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

RRBIRed River Bancshares, Inc.QOC 8.2NBBKNB Bancorp, Inc.QOC 8.2CCBCoastal Financial CorporationQOC 8.2IFSIntercorp Financial Services Inc.QOC 8.2FRAFFranklin Financial Services CorporationQOC 8.2FBKFB Financial CorporationQOC 8.2AROWArrow Financial CorporationQOC 7.8BRBSBlue Ridge Bankshares, Inc.QOC 7.1BSVNBank7 Corp.QOC 8.6STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: RRBI · NBBK · CCB · IFS · FRAF · FBK · AROW · BRBS · BSVN · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to PNC?

6 companies across all industries closest to PNC’s Quality of Company score of 8.2/10.

BWMNBowman Consulting Group Ltd.QOC 8.2VALValaris LimitedQOC 8.2SPNTSiriusPoint Ltd.QOC 8.2PLDPrologis, Inc.QOC 8.2IDXGInterpace Biosciences, Inc.QOC 8.2NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BWMN · VAL · SPNT · PLD · IDXG · NVDA

Where Does PNC Sit in CirclFi's Banks - Regional Rankings?

PNC is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About The PNC Financial Services Group, Inc.’s Valuation?

What is The PNC Financial Services Group, Inc.'s intrinsic value in 2026?

CirclFi puts The PNC Financial Services Group, Inc. (PNC)'s intrinsic value at $196.78 — the median of 6 independent model estimates as of 2026-08-31, ranging from $115.95 to $326.38. The Quality of Company score is 8.2/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PNC overvalued or undervalued right now?

At $239.63, 1 of 6 active models suggest PNC may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $196.78, 17.9% below the current price of $239.63 — a consensus view that PNC is overvalued. The assessment depends on which methodology best fits The PNC Financial Services Group, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.2 mean for PNC?

The PNC Financial Services Group, Inc.'s QOC of 8.2/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on PNC?

CirclFi analyzes PNC with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on PNC?

Of the 6 models currently active on PNC, Regime Cross-Sectional is the most bullish at $326.38 per share, and Earnings Power Value (EPV) is the most bearish at $115.95. CirclFi's published fair value for PNC is the median of that range, $196.78, not either extreme. The gap between the two ends equals 107% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is PNC a value trap in 2026?

The PNC Financial Services Group, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, The PNC Financial Services Group, Inc. (PNC) has a median fair value of $196.78 — 17.9% below the current price of $239.63 — as of 2026-08-31.” Source: circlfi.com/stock/PNC/ · Methodology
Primary sources for this PNC valuation

Market data for PNC as of ; valuations recomputed .

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