PNC Financial Services Group Inc stock PB Ratio (=1.51) is close to 3-year high of 1.56.
The historical rank and industry rank for PNC Financial Services Group's PB Ratio or its related term are showing as below:
PNC'
s PB Ratio Range Over the Past 10 Years
Min: 0.73 Med: 1.31 Max: 1.69
Current: 1.52
During the past 13 years, PNC Financial Services Group's highest PB Ratio was 1.69. The lowest was 0.73. And the median was 1.31.
PNC's PB Ratio is ranked worse than 78.43% of 1516
companies
in the Banks industry
Industry Median: 1.08
vs PNC: 1.52
During the past 12 months, PNC Financial Services Group's average Book Value Per Share Growth Rate was 11.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PNC Financial Services Group was 25.10% per year. The lowest was -1.70% per year. And the median was 6.10% per year.
Back to Basics: PB Ratio
PNC Financial Services Group (NYSE:PNC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PNC Financial Services Group PB Ratio Related Terms
PNC Financial Services Group PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, PNC Financial Services Group's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PNC Financial Services Group PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PNC Financial Services Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where PNC Financial Services Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PNC Financial Services Group (PNC) has a PB Ratio of 1.52 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PNC Financial Services Group and its competitors. This is 16% above median its historical median of 1.31. Over the past decade, PNC Financial Services Group's PB Ratio has ranged from 0.73 to 1.69. According to the industry distribution chart, PNC Financial Services Group ranks #1189 out of 1516 companies in the Banks industry, placing it in the top 78.4%.
Is PNC Financial Services Group's PB Ratio too high?
PNC Financial Services Group's current PB Ratio of 1.52 is 16% above median its 10-year median of 1.31. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 1.69. The Banks industry median PB Ratio is 1.08. PNC Financial Services Group's value of 1.52 is 40.7% above this industry median. Based on the distribution chart, PNC Financial Services Group ranks #1189 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PNC Financial Services Group has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PNC Financial Services Group's PB Ratio compare to USB and NU?
According to the Banks industry distribution chart, PNC Financial Services Group ranks #1189 out of 1516 companies for PB Ratio. This places PNC Financial Services Group in the lower half of its industry. The industry median PB Ratio is 1.08. PNC Financial Services Group's value of 1.52 is 40.7% above this benchmark. Historically, PNC Financial Services Group's own PB Ratio has ranged from 0.73 to 1.69 over the past decade. While the company's 10-year median is 1.31 vs. the industry median of 1.08, PNC Financial Services Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PNC Financial Services Group's current PB Ratio of 1.52 is 40.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PNC Financial Services Group and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PNC Financial Services Group's current PB Ratio is 1.52, which is 16% above median its own 10-year median of 1.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PNC Financial Services Group stock overvalued right now?
Based on GuruFocus' analysis, PNC Financial Services Group (PNC) is currently considered Modestly Overvalued. The stock's GF Value™ is $202.76, compared to a current price of $239.92 — trading 18.3% above its estimated fair value. The current PB Ratio is 1.52, which is 16% above median its 10-year median of 1.31 and 40.7% above the Banks industry median of 1.08. PNC Financial Services Group's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PNC Financial Services Group (PNC), the current PB Ratio is 1.52 as of Jun. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PNC Financial Services Group (PNC) Overvalued in 2026?
Based on GuruFocus' analysis, PNC Financial Services Group stock appears to be overvalued.
The current stock price of $239.92 is trading 18.3% above its estimated GF Value™ of $202.76.
GuruFocus considers PNC Financial Services Group to be Modestly Overvalued.
Key valuation signals for PNC:
PB Ratio: 1.52 (16% above median its 10-year median of 1.31)
GF Value™: $202.76 vs. price of $239.92 (18.3% above fair value)
Industry Position: 40.7% above the Banks median (#1189 of 1516)
No single metric tells the full story. See the PNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PNC Financial is one of the three super-regional banks in the US, with over $600 billion in total assets at the end of March 2026. Headquartered in Pittsburgh, Pennsylvania, PNC Financial has a coast-to-coast branch network, with a strong presence in the US Midwest and Northeast. It closed its acquisition of FirstBank in January 2026, which added around $26 billion in assets to its balance sheet, and PNC is currently expanding in the Southern and Western regions of the US. The bank provides a diversified set of financial services in retail banking, commercial banking, card and treasury management, asset management, and investment banking. PNC derived around 38% of revenue from fee income and 62% from net interest income in 2025.
78GF Score
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