Cluenex
Log inStart free
All stocks · Financial Services · Regional Banks

PNC Financial Services PNC

PNC Financial Services scores average on business quality (4.6 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$219.21Oct 9, 2026
Business qualityAverage
Next earningsOct 15, 2026, before the open
Insiders, 90 daysSelling

Why it matters

  1. What PNC Financial Services does

    PNC Financial Services operates a massive regional banking network, making money primarily through net interest income and fee-based corporate and retail banking services paid by everyday consumers and businesses.

  2. What it does best

    PNC gathers retail and corporate deposits at scale across attractive regional markets, supporting a 12.3% ROE that outpaces peers like Citigroup at 8.4%.

  3. The main risk

    Quarterly earnings pressure across the sector threatens net interest margins, leaving profitability vulnerable if deposit costs continue to reprice higher.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Net margin hits 29.0% with a 12.3% ROE, reflecting steady profitability that scales efficiently with deposit growth.

MoatWeak

Regional retail density locks in customers through sticky branch networks and deposit stickiness, though sector percentiles show a modest moat ranking.

GrowthSlow

Revenue grew 7.2% to $25B, landing in the middle of the pack at the 47th sector percentile for growth.

Financial healthFair

Debt-to-equity sits at 0.73, backed by $7.5B in operating cash flow and a $2.00 declared dividend, keeping the capital base stable.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

2 sold $1.2M outside pre-planned sales.

Our sealed record on PNC

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is PNC a good business?

PNC Financial Services scores average on the Cluenex quality check (4.6 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health fair.

Are insiders buying PNC?

In the last 90 days of SEC Form 4 filings: 2 sold $1.2M outside pre-planned sales.

When does PNC report earnings?

Oct 15, 2026, before the open.

For members

See PNC today

  • Today's verdict on PNC, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
Open in Cluenex Free to start. First month of Core free.

Cite this page: Cluenex, “PNC Financial Services (PNC)”, https://cluenex.com/stocks/pnc/, data as of Oct 10, 2026.