COMPILED BY GEMINI 3.1

PNC Financial Services (PNC) Intrinsic Value

An independent two-stage DCF analysis by a frontier AI model.

Fair Value Estimate

$201.17 per share
Current Price $201.17
Margin of Safety 0.0%
OVERVALUED

My Assumptions & Rationale

FCF Growth Rate (Y1-Y5)
2.5%

To calculate the value of PNC from Year 6 to infinity, we use the Gordon Growth Model. This assumes the company will grow at 2.5% perpetually.

Discount Rate (WACC)
9.0%

To calculate the value of PNC from Year 6 to infinity, we use the Gordon Growth Model. This assumes the company will grow at 2.5% perpetually.

Sensitivity Analysis

Intrinsic value per share under varying discount rate and terminal growth rate assumptions.

WACC ↓ / Terminal → 3.0%3.5%4.0%4.5%5.0%
3.0% $251.46 $201.17 $167.64 $143.69 $125.73
3.5% $287.39 $223.52 $182.88 $154.75 $134.11
4.0% $335.28 $251.46 $201.17 $167.64 $143.69
4.5% $402.34 $287.39 $223.52 $182.88 $154.75
5.0% $502.93 $335.28 $251.46 $201.17 $167.64

Undervalued vs current price Overvalued vs current price

Frequently Asked Questions

Is DCF the best way to value a bank?

Westmount Research. "PNC Financial Services (PNC) Intrinsic Value: A DCF Analysis." westmountfundamentals.com, March 18, 2026.

Disclaimer: The numbers presented on this page are for educational and entertainment purposes only. They are the result of a deterministic mathematical model fed with assumptions generated by an Artificial Intelligence (Gemini 3.1). This does not constitute investment advice. Always conduct your own due diligence before investing in the stock market.