NASDAQ · STOCK
PNC Financial Services
$249.87
52W $176.88 – $256.49
67/100
$99.70B
13.7
0.90
Is PNC Bullish or Bearish?
Bullish.
Innellis AI committee rates PNC Financial Services (PNC) Buy with a composite score of 67/100
, based on 7 analysts with 86% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +7.66 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -12.34 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 72.3% yoy -- genuine top-line momentum. The main limiting factor is sector concentration is already high (hhi 2535.03). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 13.1 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Dividend yield of 3.2% pays you to wait — Value
- Revenue growing 72.3% YoY -- genuine top-line momentum — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 01, 2026
Overall Committee Score
67/100
Agreement
86%
Analysts
7
Conviction
High
Sector Rank
Top 7%
of 141 Financial Services peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 13.1 is inexpensive for the broad market
Growth Analyst
bullish
83
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 72.3% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bullish
70
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2535.03)
Investment Thesis Evolution
Committee score strengthened from 63.0 to 67.3.
- Conviction changed from moderate to high.
- Committee agreement increased notably from 67% to 86%.
- New bearish signals: 2 appeared.
- New bullish signals: 5 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: +1 bullish signal(s).
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bullish signal(s).
- Value Analyst joined: bullish at 80.
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
49.5
Neutral
MACD Histogram
-1.221
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.34
Inside Bands
Price vs Moving Averages
EMA 9
$250.11
Below
EMA 21
$248.81
Above
EMA 50
$241.28
Above
EMA 200
$220.55
Above
Fundamental Analysis
Valuation
100
Growth
92
Profitability
67
Financial Health
29
Cash Flow
70
Valuation
P/E Ratio
13.7×
P/B Ratio
1.58×
PEG Ratio
0.57
Dividend Yield
2.84%
52W High
$256.49
52W Low
$176.88
Quality & Growth
ROE
1144.8%
ROA
120.9%
Gross Margin
7959.4%
Operating Margin
3072.9%
Revenue Growth YoY
—
Debt / Equity
1.34
AI Fundamental Assessment
P/E ratio of 13.7 (inexpensive relative to a 15-40x range); Price-to-book of 1.6x; PEG ratio of 0.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 11.4%; Return on assets of 1.2%; Net margin of 25.0%; Gross margin of 79.6%; Current ratio of 0.00 (tight short-term liquidity); Debt-to-equity of 1.34; Free cash flow per share is positive (16.84); Most recent quarter beat estimates by 7.9%; 5 consecutive earnings beats; EPS growth accelerating (-15.4% -> +16.5% QoQ); Average YoY EPS growth of 24.9%; Analyst estimates rising over recent quarters
Get the Full PNC Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →