InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$217.39

2026-10-16

Market Cap

$86.7B

Volume

2.4M

52-Wk High

$258.96

52-Wk Low

$176.88

Trailing PE

11.6

P/S

2.43

Gross Margin

68.6%

Net Margin

22.1%

ROE

13%

ROIC

5%

Piotroski

5/9

Altman Z

-0.2

1-Yr Return

+21.9%

5-Yr Return

+116.7%

PNC Financial Services Group, Inc. stands as a diversified financial institution operating across the United States. Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, the company maintains an extensive physical footprint, boasting 2,591 branches and 9,502 ATMs. Its Retail Banking division delivers a full spectrum of financial solutions to individual consumers and small businesses. This includes a variety of deposit accounts such as checking, savings, money market, and certificates of deposit. Lending products span residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education financing, and personal and small business loans and credit lines. Additionally, the segment provides brokerage, insurance, investment, and cash management services, all accessible via its branch network, ATMs, call centers, and digital banking channels. The Corporate & Institutional Banking segment caters to the needs of mid-sized and large corporations, government entities, and not-for-profit organizations. It offers secured and unsecured commercial loans, letters of credit, and equipment leases. Services extend to sophisticated cash and investment management, including receivables and disbursement handling, fund transfers, international payment processing, and access to online/mobile information reporting. Furthermore, this segment provides expert advice on foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions, alongside offering equity capital markets advisory, commercial loan servicing, and technology solutions. PNC's Asset Management Group specializes in wealth management for a diverse clientele. For high net worth and ultra high net worth individuals and their families, it delivers tailored investment and retirement planning, customized investment management, credit and cash management strategies, and trust administration. This also includes specialized multi-generational family planning services for its wealthiest clients. Institutional clients benefit from outsourced chief investment officer capabilities, custody services, private real estate investment opportunities, cash and fixed income solutions, and fiduciary retirement advisory services.

SectorFinancial ServicesIndustryBanks - RegionalExchangeNYSEMarket Cap$86.7BEmployees53,859 (SEC-filed)CEOWilliam S. DemchakIPO1975-11-17CountryUS

The Tower at PNC Plaza, Pittsburgh, PA 15222-2401 · Tel 888 762 2265 · pnc.com

INSIDERSTREET SCORE51 / 100Street mean $263.30 (10 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALTWO-WAY FLOW$0.0M buys against $12.2M sells / 6 mo

1 Year vs S&P 500 · PNC +21.9% · S&P 500 +15.9% · spread +6.0pp

7 Years vs S&P 500 · PNC +116.7% · S&P 500 +189.9% · spread -73.2pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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INSIDERSTREET
SCORE51of 100

Score Breakdown

Profitability	67/100
Growth	58/100
Momentum	77/100
Quality	63/100
Earnings Quality	92/100
Balance Sheet	21/100
Value	72/100
Risk (safety)	65/100
Overall	51.4/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
USB	59
NU	19
TFC	50
FITB	51
MTB	56
HBAN	59
PNC	51

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 66 in 23 Q1, latest 51 — -15 since. Dropped below the 55 line in 23 Q4, at 54. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY51 / 100IS Score 51.4 / 100 · -14.5 from peak of 66

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBEARISHTechnical Score 20 / 100 · Power -61 · 3 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 51, price structure 20 out of 100, so the business reads better than the price does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 51.4	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 46 → 42 → 51 → 51	the direction matters more than the level
Technical vote share back above 50%	now 27%	price structure no longer broken
Institutional holder count rises two quarters running	peak 2,046 → now 2,046	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-06-02

Insider Buys (180d)0none disclosed

ETF Funds (30d)1245 up / 1057 downnet +188 funds

Institutions Added (13F)113managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 2,046 · latest 2,046 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	2,046	338.6M	$82.5B	83.8%
2026 Q1	1,933	327.6M	$67.6B	81.1%
2025 Q4	1,892	335.3M	$69.5B	83.0%
2025 Q3	1,799	328.6M	$65.5B	81.3%
2025 Q2	1,765	331.4M	$61.4B	82.0%
2025 Q1	1,749	333.1M	$58.1B	82.5%
2024 Q4	1,737	332.1M	$63.7B	82.2%
2024 Q3	1,576	332.9M	$61.1B	82.4%
2024 Q2	1,545	330.8M	$50.9B	81.9%
2024 Q1	1,534	330.9M	$52.2B	81.9%
2023 Q4	1,505	333.0M	$50.2B	82.4%
2023 Q3	1,381	327.0M	$38.8B	81.0%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Dachille Douglas A.	director	2026-10-01	A-Award	30	—	306
Cafaro Debra A	director	2026-10-01	A-Award	119	—	9,835
Salesky Bryan Scott	director	2026-10-01	A-Award	119	—	2,510
Niblock Robert A	director	2026-10-01	A-Award	59	—	2,086
Khator Renu	director	2026-10-01	A-Award	119	—	3,774
Hesse Daniel	director	2026-10-01	A-Award	65	—	5,166
Harshman Richard J	director	2026-10-01	A-Award	30	—	2,336
Feldstein Andrew T	director	2026-10-01	A-Award	176	—	21,560

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	8	54,354	$12.2M	Counted
P — Open-market purchases	1	20	$0.0M	Counted
F — Tax withholding	1	2,071	$0.5M	None — compensation
G — Gifts	1	72	—	None

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalTwo-Way Flow

Open-Market Sells$12.2M8 txns / 6 mo

Open-Market Buys$0.0M1 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-08-13	Juchno Stacy M.	3,354	$0.9M
2026-07-22	Deborah Guild	1,200	$0.3M
2026-06-12	Thomas Michael Duane	1,500	$0.4M
2026-06-08	Alexander E. C. Overstrom	1,500	$0.3M
Trailing 12 mo	17 filings	139,289	$31M

Filed	Form	Reporting person	% of class	Shares
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.50%	30.3M sh
2026-03-27	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$15,001 - $50,000	2026-06-02	2026-07-08
Ro Khanna	House	BUY	$1,001 - $15,000	2026-04-13	2026-05-13
Julie Johnson	House	SELL	$1,001 - $15,000	2025-10-21	2025-11-17
Alan Armstrong	Senate	SELL	$50,001 - $100,000	2026-03-27	2026-07-21
Shelley Moore Capito	Senate	BUY	$1,001 - $15,000	2026-03-12	2026-04-05
Shelley Moore Capito	Senate	BUY	$1,001 - $15,000	2026-03-12	2026-04-05

House 12-Mo5 trades2 purchases

Senate 12-Mo3 trades2 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)1,933

13F Shares328M81.1% of shares out

New / Closed179 / 104positions, QoQ

Increased / Reduced844 / 607positions, QoQ

Put/Call (13F)1.13option positions

Free Float98.9%394M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	1.3M	$280M
Wealth Enhancement Advisory Servic	276,755	$59M
Guyasuta Investment Advisors Inc	251,005	$56M
Argent Capital Management Llc	220,633	$49M
Border To Coast Pensions Partnersh	194,737	$43M
Matrix Asset Advisors Inc/Ny	173,623	$39M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$2.8B
VSMPX	0.1%	$2.8B
VTI	0.1%	$2.8B
VTSAX	0.1%	$2.8B
VFIAX	0.1%	$2.3B
VFFSX	0.1%	$2.3B

13F Filers Holding PNC — quarterly

Institutional Put/Call — quarterly

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Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session56.3%2026-10-15

20-Day Avg39.6%50-day 40.4%

TrendFalling20d vs 50d

By Market CenterQ: 55% · N: 80% · B: 46%latest session

Weekly Notional ($B)

Where PNC Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	3.7M	48 sh
Ubsa Ubs Ats	2.9M	53 sh
Sgmt Sigma X2	2.3M	46 sh
Ebxl Level Ats	1.5M	27 sh
Mlix Instinct X	1.1M	65 sh
Mspl Ms Pool (Ats-4)	1.1M	145 sh

Where a dollar of The PNC Financial Services Group, Inc. revenue goes. All values FY2025 filings, live.

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PNC (live moat model)Peer median: USB · NU · TFC · FITB · MTB

Component scores from the live moat model. Peer median illustrative.

Moat score 54/100 — Weak; primary source Network Effects.

3.8 · Employees (SEC filings)

Officer	Title
William S. Demchak	Chairman & Chief Executive Officer
Mark Kenneth Wiedman	President
Robert Q. Reilly	Executive Vice President & Chief Financial Officer
Deborah Guild	Executive VP & Head of Technology

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)6 of 6recent quarters

Avg Surprise+8.1%

Next Report2027-01-15

Income Quality0.97OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+7.9%	+19.5%	+35.5%	+5.6%	-7.0%
Gross profit	+45.6%	+3.3%	+0.5%	-3.5%	+12.2%
Operating income	+103.8%	+6.9%	-9.9%	+7.5%	+17.2%
Net income	-24.5%	+6.5%	-7.7%	+5.6%	+17.8%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	19.7	23.5	31.9	33.7	31.3
Cost of revenue	-0.3	2.9	11.2	13.7	8.9
Gross profit	20.0	20.6	20.7	20.0	22.5
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	7.5	7.6	7.8	7.7	9.5
Operating income	7.0	7.5	6.7	7.2	8.5
EBITDA	8.8	8.1	7.0	7.5	8.6
D&A	1.8	0.7	0.2	0.3	0.1
Pretax income	7.0	7.5	6.7	7.2	8.5
Income tax	1.3	1.4	1.1	1.3	1.5
Net income	5.7	6.0	5.6	5.9	6.9
Diluted EPS ($)	12.70	13.85	12.79	13.74	16.59
Diluted shares (M)	426	412	401	400	394

Operating CF$9B

CapEx$0B

Free cash flow$9B

SBC$0B

Buybacks$1B

Net cash change$-7B

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	34.4	50.7	46.3	6.8
ST investments	44.2	41.8	9.4	32.9
Receivables (net)	6.4	6.5	6.7	327.1
Total current assets	84.9	99.0	62.3	368.7
PP&E (net)	0.0	0.0	0.0	0.0
Goodwill + intangibles	14.4	14.6	14.6	14.6
Total assets	557.3	561.6	560.0	573.6
Accounts payable	0.0	0.0	0.0	440.9
Short-term debt	0.0	0.0	0.0	15.4
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	452.0	421.4	426.7	456.3
Long-term debt	58.7	72.7	61.7	41.7
Total liabilities	511.5	510.4	505.6	512.9
Shareholders' equity	45.8	51.1	54.5	60.6

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	6.1	5.6	6.0	6.9
D&A	0.7	0.2	0.3	0.0
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	1.2	2.3	(0.6)	0.8
Operating cash flow	9.1	10.1	7.9	9.5
Capital expenditures	0.0	0.0	0.0	0.0
Investing cash flow	(60.4)	10.1	(3.2)	(20.7)
Buybacks	(5.2)	(1.7)	(1.2)	(1.3)
Dividends paid	(2.7)	(2.9)	(2.9)	(2.9)
Debt issuance / (repay)	30.0	13.6	(10.3)	(5.2)
Financing cash flow	3.4	(3.9)	(9.1)	4.7
Free cash flow	9.1	10.1	7.9	9.5

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	10.3%	11.9%	11.5%	11.2%	12.1%	13%
ROA	1.1%	1.1%	1.0%	1.1%	1.2%	1.3%
ROIC	-4.6%	23.5%	18.0%	9.8%	9.0%	4.9%
Gross margin	101.5%	87.7%	65.0%	59.4%	71.7%	68.6%
Operating margin	35.5%	31.8%	21.1%	21.5%	27.1%	27.2%
Net margin	28.8%	25.7%	17.5%	17.5%	22.1%	22.1%
EBITDA margin	44.5%	34.5%	21.8%	22.3%	27.4%	35.8%
FCF margin	36.7%	38.6%	31.7%	23.4%	12.9%	—
VALUATION
P/E	12.85	9.36	10.33	12.60	11.86	11.6
P/B	1.31	1.24	1.13	1.36	1.36	1.4
P/S	3.71	2.40	1.81	2.20	2.42	2.43
P/FCF	10.10	6.22	5.70	9.42	18.76	11.6
EV/EBITDA	-12.32	4.52	5.45	10.70	11.47	10.6
EV/Revenue	-5.49	1.56	1.19	2.38	2.93	3.8
Earnings yield	7.8%	10.7%	9.7%	7.9%	8.4%	9.06%
FCF yield	9.9%	16.1%	17.5%	10.6%	5.3%	8.63%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	0.47	0.19	0.23	0.15	0.81	0.38
Quick ratio	0.47	0.19	0.23	0.15	0.81	0.38
Debt / equity	0.59	1.28	1.42	1.13	0.94	1.28
Debt / assets	5.9%	10.5%	13.0%	11.0%	10.0%	12.7%
Net debt / EBITDA	-20.64	-2.44	-2.84	0.80	2.00	3.85
Interest coverage	14.35	3.09	0.65	0.56	0.78	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.04	0.04	0.06	0.06	0.06	0.06
Receivables turnover	3.20	3.78	4.95	5.12	0.20	0.1
DSO (days)	114	96	74	71	1792	—
DPO (days)	—	0	0	0	6894	—
Cash conversion cycle	—	96	74	71	-5102	-14306
GROWTH (YoY)
Revenue growth	8.2%	19.8%	35.4%	5.7%	0.9%	—
Net income growth	-53.0%	6.5%	-7.7%	5.6%	17.8%	—
EPS growth	-52.8%	11.7%	-7.0%	6.1%	19.3%	—
FCF growth	54.8%	25.9%	11.3%	-22.1%	-44.4%	—
PER SHARE ($)
EPS (diluted, TTM)	13.38	14.95	13.91	14.76	17.60	19.70
Book value / share	131.36	113.30	127.44	136.40	153.77	155.64
Revenue / share	46.35	58.27	79.47	84.45	86.27	89.11
FCF / share	17.01	22.48	25.21	19.75	11.13	18.67
Cash / share	504.22	194.36	230.70	139.44	100.79	440.89
SHAREHOLDER RETURN & SCORES
Buyback yield	1.5%	9.3%	2.9%	1.6%	1.6%	2.17%
Altman Z-Score	-0.25	-0.50	-0.38	-0.44	0.18	-0.2
Piotroski F-Score	6	6	6	8	7	5/9
Beneish M-Score	-2.47	-1.95	-2.35	-2.45	40.28	-3.35

Model	Score	Zone	Note
Piotroski F-Score	5 / 9	Middling
Altman Z-Score	-0.2	Distress (<1.81)	Distress
Income quality	0.97	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-3.35	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.81
Interest burden	1.00
Operating margin	26.7%
Asset turnover	0.06×
Financial leverage	9.66×
= ROE	13%

Growth Quality (live)	Value
Revenue stability	0.91
Earnings stability	0.14
Earnings persistence	0.91
Revenue CAGR 3y	6.9%
EPS CAGR 3y	6.3%
FCF CAGR 3y	-15.9%

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Buyback Yield2.17%

Dividend Yield3.40%

Total Shareholder Return5.17%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
USB	$91.5B	11.4	13%	19.9%	+3.3%	8/9	+28.6%
NU	$70.3B	19.7	32%	19.2%	+54.9%	4/9	-1.2%
TFC	$57.5B	12.0	9%	20.4%	+0.3%	6/9	+16.0%
FITB	$45.7B	17.0	8%	18.1%	+15.9%	6/9	+29.0%
MTB	$31.1B	11.2	11%	24.3%	-5.8%	7/9	—
HBAN	$30.9B	11.2	9%	17.4%	+18.5%	7/9	—
CFG	$26.7B	12.7	8%	18.4%	-4.5%	7/9	—
FCNCA	$24.0B	11.4	11%	18.6%	-1.3%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

46 Analysts

Str Sell (0)Sell (1)Hold (23)Buy (22)Str Buy (0)

Mean Target (qtr)$263.3010 targets

Target vs. Price+21.1%last-quarter mean

Next Report2027-01-15street $5.13

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$26.37B	$26.58B / $26.09B	$18.99	$19.39 / $18.58	14
FY2027	$27.83B	$28.08B / $27.46B	$21.50	$22.49 / $20.17	17
FY2028	$29.08B	$29.50B / $28.51B	$23.83	$25.27 / $21.38	12

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$263.11	+21.0%	9
Last Quarter	$263.30	+21.1%	10
Last Year	$262.88	+20.9%	41
All Time	$228.93	+5.3%	91

Rolling mean of published targets vs. last close $217.39. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

B+

DCF

4/5

ROE

4/5

ROA

4/5

Debt/Eq

2/5

P/E

3/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

PNC +21.9% vs S&P 500 +15.9% — spread +6.0pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$220.37	-2.98	-1.35%	Below
SMA 50	$235.06	-17.67	-7.52%	Below
SMA 200	$228.08	-10.69	-4.69%	Below
EMA 9	$217.55	-0.16	-0.07%	Below
EMA 21	$221.95	-4.56	-2.05%	Below
EMA 50	$230.02	-12.63	-5.49%	Below
EMA 200	$225.84	-8.45	-3.74%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBEARISHPower Score -613 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%10

Momentum 25%20

Volume 20%19

Volatility 10%0

Patterns 15%50

This Week27% bullishof 11 price-based votes

4 Weeks Ago18%+9 pts since

12 Weeks Ago45%-18 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$220.37

Price vs SMA 50$235.06

Price vs SMA 200$228.08

EMA 9/21 Cross217.6/221.9

SMA 50/200Golden

ADX DirectionADX 41

Supertrend$227

Parabolic SAR$221

SMA Slope-0.790

RSI35.3

Stochastic K/D41/35

StochRSI K/D69/70

Williams %R-36

CCI-38

TSI vs Signal-40.9

CMO-29.4

ROC-0.75%

OBV SignalDistrib

Chaikin MF-0.000

MFI34

Force Index-1M

Elder Ray Bull-0.85

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 35

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$214.11 / $219.73 / $224.52	S1 / S2	$209.32 / $203.70
Bollinger (20,2)	$211.35 – $229.39	Squeeze	Off
52-wk range	$176.88 – $258.96	Off 52-wk high	-16.1%
ATR (14)	$4.80 (2.2%)	Historical vol	15.1%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-0.6%Jan55%

-1.8%Feb30%

-0.6%Mar52%

+4.3%Apr65%

+0.9%May50%

-1.7%Jun50%

+2.5%Jul65%

-0.2%Aug55%

+1.4%Sep60%

+1.9%Oct70%

+4.4%Nov85%

+2.0%Dec70%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	PNC	S&P 500
Weekly volatility (σ, 1y)	2.89%	1.83%
Best / worst week (1y)	+7.2% / -4.7%	—
Max drawdown (5y, monthly)	-43.7%	—
1-week VaR (95%)	-4.5%	—
Beta (5y)	0.89	1.00

PNC EQUITY WEATHER (LIVE)STORMY · -41

Trend-55

Momentum-20

Volume-43

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 263 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-41.4-18.6 vs industry

Trend-55.5-31.5 vs industry

Momentum-19.5-5.4 vs industry

Volume-43.3-8.7 vs industry

Reading	PNC	Banks - Regional n=1,560	Financial Services n=24,134	All US symbols n=70,435
Overall	-41.4	-22.8	-16.3	-20.5
Trend	-55.5	-24.0	-12.5	-21.3
Momentum	-19.5	-14.1	-4.4	-15.8
Volume	-43.3	-34.6	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
William S. Demchak Chairman and CEO	$29.5M	90% equity+incentive
Mark Wiedman President	$10.0M	84% equity+incentive
Robert Q. Reilly Exec. VP and CFO	$9.2M	85% equity+incentive
E William Parsley, III Former Exec. VP and C	$8.5M	63% equity+incentive
Deborah Guild Exec. VP, Head of Technology	$6.5M	90% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	63
Social	60
Governance	58
Composite ESG	60

Composite ESG Trend

Filed	8-K contents	Items
2026-10-15	Earnings Release; Exhibits	2.02,9.01
2026-10-15	Regulation FD; Exhibits	7.01,9.01
2026-09-29	Other Events; Exhibits	8.01,9.01
2026-07-21	Other Events; Exhibits	8.01,9.01
2026-07-15	Earnings Release; Exhibits	2.02,9.01
2026-07-15	Regulation FD; Exhibits	7.01,9.01
2026-06-22	Regulation FD; Exhibits	7.01,9.01
2026-05-26	Other Events; Exhibits	8.01,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2021-01-15 to 2026-10-15
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	114 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-07-01 to 2026-10-01
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	2 rows · 2026-03-27 to 2026-04-30
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

The PNC Financial Services Group, Inc. (PNC)

Institutions holding — 12 quarters

The PNC Financial Services Group, Inc. (PNC)

Monthly Net Insider Flow (000 shares)

Signal Summary

The PNC Financial Services Group, Inc. (PNC)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding PNC — quarterly

Institutional Put/Call — quarterly

The PNC Financial Services Group, Inc. (PNC)

Where PNC Trades in the Dark

The PNC Financial Services Group, Inc. (PNC)

3.8 · Employees (SEC filings)

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

Balance Sheet — Full

Cash Flow Statement — Full

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

Street Price Target — Trajectory

Third-Party Composite Rating

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

Family Scores (site weights)

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)

The PNC Financial Services Group, Inc. (PNC)