{
 "schema": "theclaudetrader.research_packet.v1",
 "generated_at": "2026-10-31T18:13:01+00:00",
 "snapshot_date": "2026-10-31",
 "about": {
  "site": "The Claude Trader",
  "what_this_is": "Evidence-first research record built from SEC XBRL, SEC Form 4 and exchange prices. Deterministic rule scores with every input linked to its source. No recommendations. fair_value_model is a labelled model estimate from SEC filings, not a price target or recommendation (method: /fair-value).",
  "publishes": "Facts and their provenance only; no holdings, targets, estimates or recommendations.",
  "how_to_answer": [
   "State the snapshot date and each score's data_as_of.",
   "Quote scores with their status: ok = complete; partial / insufficient = a test was excluded because an input was absent or older than 550 days. Repeat each warning beside the number it affects; a 'stale' warning means the input was used but is older than 120 days (price: 7 days).",
   "Cite the source URL for any number you repeat.",
   "Say what is missing; never present holdings or targets as this site's (it has none).",
   "If asked for a shortlist or portfolio: build it from the user's horizon, risk, benchmark, exclusions and limits; cite inputs, explain inclusion and thesis risks; label weights as your synthesis, distinct from these deterministic scores; no promised outperformance or invented expected returns."
  ]
 },
 "company": {
  "ticker": "PNC",
  "name": "PNC Financial Services Group, Inc.",
  "legal_name": "PNC FINANCIAL SERVICES GROUP, INC.",
  "cik": "0000713676",
  "exchange": "NYSE",
  "industry": "National Commercial Banks",
  "sic": "6021",
  "fiscal_year_end": "1231",
  "is_financial": true,
  "is_utility": false
 },
 "price": {
  "value": 227.86,
  "as_of": "2026-10-30",
  "source": "Alpaca Market Data (consolidated SIP daily bar)",
  "url": "https://docs.alpaca.markets/docs/historical-stock-data-1"
 },
 "market_cap": {
  "value": 90903303962.62001,
  "as_of": "2026-10-30",
  "unit": "USD",
  "meaning": "price on the price date x latest reported point-in-time shares (see inputs.share_count_as_of)",
  "warning": null,
  "unavailable_reason": null,
  "inputs": {
   "traded_price": {
    "value": 227.86,
    "as_of": "2026-10-30",
    "unit": "USD per traded unit (share or ADS)",
    "source": "Alpaca Market Data (consolidated SIP daily bar)",
    "url": "https://docs.alpaca.markets/docs/historical-stock-data-1"
   },
   "sec_shares_outstanding": {
    "value": 398943667.0,
    "unit": "underlying shares",
    "concept": "SEC cover page 10-Q 0001628280-26-053170 (398,943,667 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/713676/000162828026053170/pnc-20260630.htm",
    "period_end": "2026-07-20",
    "accession": "0001628280-26-053170",
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026053170/R1.htm"
   },
   "depositary_ratio": {
    "value": 1.0,
    "unit": "underlying shares per traded unit",
    "status": "domestic",
    "source": "10-K filer; SEC shares are the traded units",
    "evidence_url": null,
    "evidence_form": null,
    "evidence_filed": null,
    "body_snippet": null
   },
   "formula": "market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used",
   "split_adjustment": null,
   "share_count_as_of": "2026-07-20",
   "share_count_age_days_at_price_date": 102,
   "warning": null,
   "computed": "227.86 (price 2026-10-30) / 1 x 398,943,667 (shares at 2026-07-20) = 90,903,303,963"
  }
 },
 "scores": {
  "graham": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "magic_formula": {
   "score": null,
   "status": "not scored",
   "summary": "Not scored: not scored.",
   "warnings": [],
   "components": []
  },
  "momentum": {
   "score": 72.1,
   "status": "ok",
   "complete": true,
   "passes_all": null,
   "summary": "Momentum: 72 of 100 (ok). 12-1 month return: 23.6 % \u2192 35.6/50; 6 month return: 3.0 % \u2192 9.3/20; Price / 52-week high: 0.892 \u2192 13.4/15; Volatility penalty (60d annualised): 18.0 % \u2192 13.9/15",
   "data_as_of": "2026-10-30",
   "history": [
    null,
    null
   ],
   "price_as_of": "2026-10-30",
   "coverage": null,
   "verification": null,
   "warnings": [],
   "components": [
    {
     "name": "12-1 month return",
     "value": 23.6,
     "unit": "%",
     "percentile": 71.2,
     "points": 35.6,
     "max": 50
    },
    {
     "name": "6 month return",
     "value": 3.0,
     "unit": "%",
     "percentile": 46.5,
     "points": 9.3,
     "max": 20
    },
    {
     "name": "Price / 52-week high",
     "value": 0.892,
     "points": 13.4,
     "max": 15
    },
    {
     "name": "Volatility penalty (60d annualised)",
     "value": 18.0,
     "unit": "%",
     "points": 13.9,
     "max": 15
    }
   ],
   "rules_url": "https://theclaudetrader.com/p/momentum"
  },
  "insider": {
   "score": 0.0,
   "status": "ok",
   "complete": true,
   "passes_all": null,
   "summary": "Insider: 0 of 100 (ok). Open-market buy value / market cap (percentile among buyers): 0.0 bp \u2192 0.0/35; Distinct buyers: 0 \u2192 0.0/25; Buyer seniority: 0.0 \u2192 0.0/20; Recency (half-life 30d): 0.0 \u2192 0.0/10; Sales penalty (excludes 10b5-1 plan sales): 0.09 bp \u2192 -2.0/0",
   "data_as_of": "2026-10-30",
   "history": [
    null,
    null
   ],
   "price_as_of": null,
   "coverage": {
    "window_start": "2026-08-02",
    "through": "2026-10-30",
    "missing_days": 1,
    "note": "Form 4 data loaded through 2026-10-30"
   },
   "verification": null,
   "warnings": [],
   "components": [
    {
     "name": "Open-market buy value / market cap (percentile among buyers)",
     "value": 0.0,
     "unit": "bp",
     "points": 0.0,
     "max": 35
    },
    {
     "name": "Distinct buyers",
     "value": 0,
     "points": 0.0,
     "max": 25
    },
    {
     "name": "Buyer seniority",
     "value": 0.0,
     "points": 0.0,
     "max": 20
    },
    {
     "name": "Recency (half-life 30d)",
     "value": 0.0,
     "points": 0.0,
     "max": 10
    },
    {
     "name": "Sales penalty (excludes 10b5-1 plan sales)",
     "value": 0.09,
     "unit": "bp",
     "points": -2.0,
     "max": 0
    }
   ],
   "rules_url": "https://theclaudetrader.com/p/insider"
  },
  "buffett": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "lynch": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "graham_enterprising": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  },
  "piotroski": {
   "score": null,
   "status": "not scored (financial)",
   "summary": "Not scored: not scored (financial).",
   "warnings": [],
   "components": []
  }
 },
 "inputs_by_philosophy": {
  "graham": [],
  "magic_formula": [],
  "momentum": [
   {
    "name": "Adjusted close series (14 months)",
    "value": 227.86,
    "kind": "price",
    "source": "Yahoo Finance / Alpaca Market Data daily history",
    "url": null,
    "period": "2026-10-30",
    "age_days": 1,
    "stale": false
   }
  ],
  "insider": [
   {
    "name": "Form 4 S Juchno Stacy M. 2026-08-13",
    "value": 858087.36,
    "shares": 3354.0,
    "price": 255.84,
    "role": "Pres",
    "period": "2026-08-13",
    "source": "SEC Form 4 (insider transactions data set)",
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026056989/"
   }
  ],
  "buffett": [],
  "lynch": [],
  "graham_enterprising": [],
  "piotroski": []
 },
 "earnings_record": {
  "net_income_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 4212000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000119312516482577/",
    "accession": "0001193125-16-482577"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 4207000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000119312517155982/",
    "accession": "0001193125-17-155982"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
    "sec_frame": "CY2015",
    "value": 4143000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367618000032/",
    "accession": "0000713676-18-000032"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 3985000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367619000015/",
    "accession": "0000713676-19-000015"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 5388000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367620000117/",
    "accession": "0000713676-20-000117"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 5346000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367621000025/",
    "accession": "0000713676-21-000025"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 5418000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367622000019/",
    "accession": "0000713676-22-000019"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 7558000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367623000020/",
    "accession": "0000713676-23-000020"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 5725000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367624000028/",
    "accession": "0000713676-24-000028"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 6113000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367625000027/",
    "accession": "0000713676-25-000027"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 5647000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 5953000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 6997000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020"
   }
  ],
  "eps_diluted_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 7.36,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000119312516482577/",
    "accession": "0001193125-16-482577",
    "value_reported": 7.36,
    "split_factor": 1.0,
    "split_basis": "filed between 2016-02-12 and 2016-06-11"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 7.3,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000119312517155982/",
    "accession": "0001193125-17-155982",
    "value_reported": 7.3,
    "split_factor": 1.0,
    "split_basis": "filed between 2017-02-10 and 2017-06-10"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
    "sec_frame": "CY2015",
    "value": 7.39,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367618000032/",
    "accession": "0000713676-18-000032",
    "value_reported": 7.39,
    "split_factor": 1.0,
    "split_basis": "filed between 2018-02-09 and 2018-06-09"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 7.3,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367619000015/",
    "accession": "0000713676-19-000015",
    "value_reported": 7.3,
    "split_factor": 1.0,
    "split_basis": "filed between 2019-02-08 and 2019-06-08"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 10.36,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367620000117/",
    "accession": "0000713676-20-000117",
    "value_reported": 10.36,
    "split_factor": 1.0,
    "split_basis": "filed between 2020-01-01 and 2020-12-31"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 10.71,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367621000025/",
    "accession": "0000713676-21-000025",
    "value_reported": 10.71,
    "split_factor": 1.0,
    "split_basis": "filed between 2021-02-05 and 2021-06-05"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 11.39,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367622000019/",
    "accession": "0000713676-22-000019",
    "value_reported": 11.39,
    "split_factor": 1.0,
    "split_basis": "filed 2022-02-25"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 16.96,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367623000020/",
    "accession": "0000713676-23-000020",
    "value_reported": 16.96,
    "split_factor": 1.0,
    "split_basis": "filed 2023-02-22"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 12.7,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367624000028/",
    "accession": "0000713676-24-000028",
    "value_reported": 12.7,
    "split_factor": 1.0,
    "split_basis": "filed 2024-02-21"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 13.85,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367625000027/",
    "accession": "0000713676-25-000027",
    "value_reported": 13.85,
    "split_factor": 1.0,
    "split_basis": "filed 2025-02-21"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 12.79,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020",
    "value_reported": 12.79,
    "split_factor": 1.0,
    "split_basis": "filed 2026-02-20"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 13.74,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020",
    "value_reported": 13.74,
    "split_factor": 1.0,
    "split_basis": "filed 2026-02-20"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 16.59,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020",
    "value_reported": 16.59,
    "split_factor": 1.0,
    "split_basis": "filed 2026-02-20"
   }
  ],
  "revenue_by_fy": [
   {
    "fy": 2013,
    "period_end": "2013-12-31",
    "sec_frame": "CY2013",
    "value": 16012000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000119312516482577/",
    "accession": "0001193125-16-482577"
   },
   {
    "fy": 2014,
    "period_end": "2014-12-31",
    "sec_frame": "CY2014",
    "value": 15375000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000119312517155982/",
    "accession": "0001193125-17-155982"
   },
   {
    "fy": 2015,
    "period_end": "2015-12-31",
    "sec_frame": "CY2015",
    "value": 15225000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367618000032/",
    "accession": "0000713676-18-000032"
   },
   {
    "fy": 2016,
    "period_end": "2016-12-31",
    "sec_frame": "CY2016",
    "value": 15162000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367619000015/",
    "accession": "0000713676-19-000015"
   },
   {
    "fy": 2017,
    "period_end": "2017-12-31",
    "sec_frame": "CY2017",
    "value": 16329000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367619000015/",
    "accession": "0000713676-19-000015"
   },
   {
    "fy": 2018,
    "period_end": "2018-12-31",
    "sec_frame": "CY2018",
    "value": 16190000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367621000025/",
    "accession": "0000713676-21-000025"
   },
   {
    "fy": 2019,
    "period_end": "2019-12-31",
    "sec_frame": "CY2019",
    "value": 16839000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367622000019/",
    "accession": "0000713676-22-000019"
   },
   {
    "fy": 2020,
    "period_end": "2020-12-31",
    "sec_frame": "CY2020",
    "value": 16901000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367623000020/",
    "accession": "0000713676-23-000020"
   },
   {
    "fy": 2021,
    "period_end": "2021-12-31",
    "sec_frame": "CY2021",
    "value": 19211000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367624000028/",
    "accession": "0000713676-24-000028"
   },
   {
    "fy": 2022,
    "period_end": "2022-12-31",
    "sec_frame": "CY2022",
    "value": 21120000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367625000027/",
    "accession": "0000713676-25-000027"
   },
   {
    "fy": 2023,
    "period_end": "2023-12-31",
    "sec_frame": "CY2023",
    "value": 21490000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020"
   },
   {
    "fy": 2024,
    "period_end": "2024-12-31",
    "sec_frame": "CY2024",
    "value": 21555000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020"
   },
   {
    "fy": 2025,
    "period_end": "2025-12-31",
    "sec_frame": "CY2025",
    "value": 23099000000.0,
    "url": "https://www.sec.gov/Archives/edgar/data/713676/000071367626000020/",
    "accession": "0000713676-26-000020"
   }
  ],
  "dividend_years": [
   1986,
   1987,
   1988,
   1989,
   1990,
   1991,
   1992,
   1993,
   1994,
   1995,
   1996,
   1997,
   1998,
   1999,
   2000,
   2001,
   2002,
   2003,
   2004,
   2005,
   2006,
   2007,
   2008,
   2009,
   2010,
   2011,
   2012,
   2013,
   2014,
   2015,
   2016,
   2017,
   2018,
   2019,
   2020,
   2021,
   2022,
   2023,
   2024,
   2025,
   2026
  ]
 },
 "insider_activity": {
  "coverage_through": "2026-10-30",
  "window_start": "2026-08-02",
  "missing_days": 1,
  "recent_transactions": [
   {
    "txn_date": "2026-08-13",
    "insider_name": "Juchno Stacy M.",
    "role": "Pres",
    "code": "S",
    "shares": 3354.0,
    "price": 255.84,
    "value": 858087.36,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026056989/"
   },
   {
    "txn_date": "2026-07-22",
    "insider_name": "Deborah Guild",
    "role": "Pres",
    "code": "S",
    "shares": 1200.0,
    "price": 252.2,
    "value": 302640.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026049527/"
   },
   {
    "txn_date": "2026-06-12",
    "insider_name": "Thomas Michael Duane",
    "role": "Pres",
    "code": "S",
    "shares": 1500.0,
    "price": 238.14,
    "value": 357210.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026043469/"
   },
   {
    "txn_date": "2026-06-08",
    "insider_name": "Overstrom Alexander E. C.",
    "role": "Pres",
    "code": "S",
    "shares": 1500.0,
    "price": 227.97,
    "value": 341955.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026042159/"
   },
   {
    "txn_date": "2026-06-05",
    "insider_name": "Novosel Stephanie",
    "role": "Pres",
    "code": "S",
    "shares": 1800.0,
    "price": 228.73,
    "value": 411714.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026041467/"
   },
   {
    "txn_date": "2026-05-26",
    "insider_name": "Feldstein Andrew T",
    "role": "director",
    "code": "S",
    "shares": 4000.0,
    "price": 220.57,
    "value": 882280.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026038935/"
   },
   {
    "txn_date": "2026-05-26",
    "insider_name": "Feldstein Andrew T",
    "role": "director",
    "code": "S",
    "shares": 18000.0,
    "price": 220.57,
    "value": 3970260.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026038935/"
   },
   {
    "txn_date": "2026-05-26",
    "insider_name": "Feldstein Andrew T",
    "role": "director",
    "code": "S",
    "shares": 23000.0,
    "price": 220.57,
    "value": 5073110.0,
    "is_10b5_1": 0,
    "source_url": "https://www.sec.gov/Archives/edgar/data/713676/000162828026038935/"
   }
  ]
 },
 "filings_and_news": {
  "sec_filing_index": "https://www.sec.gov/edgar/browse/?CIK=0000713676",
  "sec_8k": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000713676&type=8-K",
  "sec_form4": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000713676&type=4",
  "xbrl_companyfacts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000713676.json",
  "news_items": [],
  "note": "Press releases are filed as 8-K exhibits; the 8-K link lists them with dates."
 },
 "peer_context": {
  "graham": {
   "industry": "National Commercial Banks",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "magic_formula": {
   "industry": "National Commercial Banks",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "momentum": {
   "industry": "National Commercial Banks",
   "scored_peers": 11,
   "rank": 2,
   "median": 64.3,
   "top_peers": [
    {
     "ticker": "USB",
     "score": 75.3
    },
    {
     "ticker": "PNC",
     "score": 72.1
    },
    {
     "ticker": "C",
     "score": 68.4
    },
    {
     "ticker": "JPM",
     "score": 66.9
    },
    {
     "ticker": "RF",
     "score": 65.5
    }
   ]
  },
  "insider": {
   "industry": "National Commercial Banks",
   "scored_peers": 11,
   "rank": 3,
   "median": 0.0,
   "top_peers": [
    {
     "ticker": "TFC",
     "score": 62.7
    },
    {
     "ticker": "HBAN",
     "score": 47.3
    },
    {
     "ticker": "BAC",
     "score": 0.0
    },
    {
     "ticker": "C",
     "score": 0.0
    },
    {
     "ticker": "COF",
     "score": 0.0
    }
   ]
  },
  "buffett": {
   "industry": "National Commercial Banks",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "lynch": {
   "industry": "National Commercial Banks",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "graham_enterprising": {
   "industry": "National Commercial Banks",
   "scored_peers": 0,
   "rank": null,
   "median": null
  },
  "piotroski": {
   "industry": "National Commercial Banks",
   "scored_peers": 0,
   "rank": null,
   "median": null
  }
 },
 "dossier": null,
 "external_views_link_only": {
  "morningstar": "https://www.morningstar.com/search?query=PNC",
  "finviz": "https://finviz.com/quote.ashx?t=PNC",
  "stockanalysis": "https://stockanalysis.com/stocks/pnc/",
  "seeking_alpha": "https://seekingalpha.com/symbol/PNC",
  "openinsider": "http://openinsider.com/search?q=PNC",
  "google_news": "https://news.google.com/rss/search?q=PNC+stock"
 },
 "limits": [
  "Graham Defensive: not scored (financial)",
  "Magic Formula: not scored",
  "Buffett Quality: not scored (financial)",
  "Lynch GARP: not scored (financial)",
  "Graham Enterprising: not scored (financial)",
  "Piotroski F-Score: not scored (financial)",
  "News is not collected for this ticker; use the SEC 8-K and press-release links below"
 ],
 "machine_readable": {
  "stock_json": "https://theclaudetrader.com/s/PNC.json",
  "stock_md": "https://theclaudetrader.com/s/PNC.md",
  "packet": "https://theclaudetrader.com/r/PNC.json",
  "grid": "https://theclaudetrader.com/grid.json",
  "openapi": "https://theclaudetrader.com/openapi.json",
  "index": "https://theclaudetrader.com/llms.txt"
 },
 "cite_as": "The Claude Trader snapshot 2026-10-31, https://theclaudetrader.com/s/PNC; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-30.",
 "disclaimer": "Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation."
}