PQUS0.350%
as of Sep 1
PNC
GrowthPNC FINL SERVICES GROUP
The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. It operates through three segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group segments. The Retail Banking segment offers checking, savings, and money market accounts, and time deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services.
Close · 3M
+11.52%
Held by 1 AI ETF
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals2
Win rate0% (0/2)
Avg buy return-2.20%
PQUS · New entry · 1d
weight 0 → 0.060% (new)·stock up 4.6% in the 30 days before
Jul 26·entry $249.64·now $245.18Fresh
-1.79%
since Jul 26
AIEQ · Exit · 1d
weight 0.050% → 0 (exited)·stock down 5.7% in the 30 days before
Sep 1·entry $237.49·now $245.18
+3.24%
since Sep 1
AIEQ · New entry · 1d
weight 0 → 0.050% (new)·stock down 0.7% in the 30 days before
Aug 2·entry $251.72·now $245.18Fresh
-2.60%
since Aug 2
AIEQ · Exit · 1d
weight 0.480% → 0 (exited)·stock up 5.5% in the 30 days before
May 3·entry $218.04·now $245.18
+12.45%
since May 3
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Fails the frameworkas of Jul 26
The AI ETFs are showing current holdings and recent entry into PNC, indicating a positive view. This contrasts with the framework's "Fail" verdict, which stems from the inability to confirm key financial health and valuation criteria due to insufficient data.
- Circle of CompetenceThe diversified banking model, while sensitive to economic cycles, has sufficiently stable unit economics to allow for reasonable ten-year cash flow projections within the circle of competence.
- Economic MoatAs a large, diversified bank, PNC benefits from a combination of regulatory barriers, moderate switching costs for customers, and scale advantages, contributing to a durable economic moat.
- ManagementThe provided financial snapshot does not offer sufficient detail to assess management's candor, capital allocation discipline, or skin in the game.
- Financial HealthThe provided financials lack the 10-year average Return on Equity, consistent operating margin trends, and owner earnings data necessary to fully confirm the financial health criteria.
- Margin of SafetyWithout projected owner earnings and a conservative valuation, it is not possible to determine if there is a defensible margin of safety relative to intrinsic value.
PNC presents as a business within the circle of competence with an identifiable economic moat. However, the available data is insufficient to assess management's capital allocation and, crucially, to confirm the demanding financial health criteria like sustained high Return on Equity and consistent owner earnings. This lack of verifiable financial strength and an unconfirmable margin of safety lead to a "Fail" verdict within this value-investing framework.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.