Inferra AI / Company / PNC
PNC Financial Services
PNC · Financials
Last earnings Oct 15, 2026
Key results
Net incomequarter
$1.8 Billion
htm EX-99.1 Document Exhibit 99.1 PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Record revenue 8% noninterest income growth strong credit quality Announced agreement to acquire FirstBank on Sept.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
EPSquarter
$4.35
htm EX-99.1 Document Exhibit 99.1 PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Record revenue 8% noninterest income growth strong credit quality Announced agreement to acquire FirstBank on Sept.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Record revenuequarter
8%
htm EX-99.1 Document Exhibit 99.1 PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Record revenue 8% noninterest income growth strong credit quality Announced agreement to acquire FirstBank on Sept.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Revenuequarter
8%
2Q25 Net interest income (NII) $ 3,648 $ 3,555 $ 3,410 Income Statement PPNR increased 8% generated 2% positive operating leverage Revenue increased 4% NII increased 3% NIM of 2.79% declined 1 bp driven by 5% avg.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Total revenuequarter
$5.9 billion
Income Statement Highlights Third quarter 2025 compared with second quarter 2025 Total revenue of $5.9 billion increased $254 million, or 4%, driven by growth in both noninterest income and net interest income.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
REVIEW revenuequarter
3 %
CONSOLIDATED REVENUE REVIEW Revenue Change Change 3Q25 vs 3Q25 vs In millions 3Q25 2Q25 3Q24 2Q25 3Q24 Net interest income $ 3,648 $ 3,555 $ 3,410 3 % 7 % Noninterest income 2,267 2,106 2,022 8 % 12 % Total revenue $ 5,915 $ 5,661 $ 5,432 4 % 9 % Total revenue for the third quarter of 2025 increased $254 million compared to the second quarter of 2025 and $483 million compared to the third quarter of 2024.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
- more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 6 The duration of the investment securities portfolio was 3.4 years as of September 30, 2025 and June 30, 2025 and 3.3 years as of September 30, 2024.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
com TABULAR MATERIAL FOLLOWS - more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 13 2 The PNC Financial Services Group, Inc.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
- more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 14 The PNC Financial Services Group, Inc.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
- more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 15 The PNC Financial Services Group, Inc.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
AI analysis
Q3 2025 · reported Oct 15, 2025
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $1.8 Billion | — | — |
| EPS | $4.35 | — | — |
| Record revenue | 8% | — | — |
| Revenue | 8% | — | — |
| Total revenue | $5.9 billion | — | — |
| REVIEW revenue | 3 % | — | — |
Guidance · company-stated
No guidance located in the held release
“- more - PNC Reports Third Quarter 2026 Net Income of $2.1 Billion, $4.97 Diluted EPS or $5.09 As Adjusted Page 2 Integration Costs and Significant Items In the third quarter of 2026, PNC incurred integration costs related to the FirstBank acquisition of $36 million.”
Capital allocation
PNC maintained a strong capital and liquidity position - more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 3 On October 2, 2025, the PNC board of directors declared a quarterly cash dividend on common stock of $1.70 per share to be paid on November 5, 2025 to shareholders of record at the close of business October 14, 2025.
Event summary
PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Record revenue 8% noninterest income growth strong credit quality Announced agreement to acquire FirstBank on Sept
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
PNC maintained a strong capital and liquidity position - more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 3 On October 2, 2025, the PNC board of directors declared a quarterly cash dividend on common stock of $1.70 per share to be paid on November 5, 2025 to shareholders of record at the close of business October 14, 2025.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
PNC returned $1.0 billion of capital to shareholders, reflecting $0.7 billion of dividends on common shares and $0.3 billion of common share repurchases.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Earnings Summary In millions, except per share data 3Q25 2Q25 3Q24 Net income $ 1,822 $ 1,643 $ 1,505 Net income attributable to diluted common shareholders $ 1,723 $ 1,532 $ 1,396 Diluted earnings per common share $ 4.35 $ 3.85 $ 3.49 Average diluted common shares outstanding 396 397 400 Cash dividends declared per common share $ 1.70 $ 1.60 $ 1.60 The Consolidated Financial Highlights accompanying this news release include additional information regarding reconciliations of non-GAAP financial measures to reported (GAAP) amounts.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
In comparison to the third quarter of 2024, the decrease was primarily driven by lower Federal Home Loan Bank advances, partially offset by higher senior debt outstanding.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Common shareholders equity at September 30, 2025 increased $1.3 billion from June 30, 2025 due to net income and an improvement in accumulated other comprehensive income, partially offset by dividends paid and share repurchases.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
In the third quarter of 2025, PNC returned $1.0 billion of capital to shareholders, reflecting $0.7 billion of dividends on common shares and $0.3 billion of common share repurchases.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Strategy & priorities
The planned acquisition of FirstBank positions us for accelerated expansion in Colorado and Arizona as we continue to strategically grow our national franchise.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
We believe this non-GAAP measure serves as a useful tool to help evaluate the strength and discipline of a company s capital management strategies and as an additional, conservative measure of total company value.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
- more - PNC Reports Third Quarter 2025 Net Income of $1.8 Billion, $4.35 Diluted EPS Page 18 Cautionary Statement Regarding Forward-Looking Information We make statements in this news release and related conference call, and we may from time to time make other statements, regarding our outlook for financial performance, such as earnings, revenues, expenses, tax rates, capital and liquidity levels and ratios, asset levels, asset quality, financial position, and other matters regarding or affecting us and our future business and operations, including our sustainability strategy, that are forward-looking statements within the meaning of the Private Securities Litigation Reform Act.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Treasury and other government agencies, including those that impact money supply, market interest rates and inflation, Changes in customer behavior due to changing business and economic conditions or legislative or regulatory initiatives, Changes in customers , suppliers and other counterparties performance and creditworthiness, Impacts of sanctions, tariffs and other trade policies of the U.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
These statements are based on our views that PNC s baseline forecast remains for continued expansion, but slower economic growth in 2025 and 2026 than in 2024.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Risks & headwinds
Forward-looking statements are necessarily subject to numerous assumptions, risks and uncertainties, which change over time.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Future events or circumstances may change our outlook and may also affect the nature of the assumptions, risks and uncertainties to which our forward-looking statements are subject.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Our forward-looking statements are subject to the following principal risks and uncertainties.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Treasury and other government agencies, including those that impact money supply, market interest rates and inflation, Changes in customer behavior due to changing business and economic conditions or legislative or regulatory initiatives, Changes in customers , suppliers and other counterparties performance and creditworthiness, Impacts of sanctions, tariffs and other trade policies of the U.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Tariffs are a drag on consumer spending and business investment, while AI-related capex and wealth effects have been key supports to growth.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Tariffs remain a risk to the outlook, and a reversal in sentiment around AI would be a drag.
SEC original ↗PNC Financial Services — Earnings release (8-K exhibit)EX-99Oct 15, 2025
Earnings deck slides
0 decks with slide viewPNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
PNC Financial Services — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
64 documents- Q3 2026
- 8-KPNC
Oct 23, 2026
- 8-KPNC
Oct 15, 2026
- 8-KPNC
Oct 15, 2026
- Q2 2026
- 8-KPNC
Sep 29, 2026
- 10-QPNC
- 8-KPNC
Jul 21, 2026
- 8-KPNC
Jul 15, 2026
- 8-KPNC
Jul 15, 2026
- Q1 2026
- 8-KPNC
Jun 22, 2026
- 8-KPNC
May 26, 2026
- 10-QPNC
- 8-KPNC
Apr 24, 2026
- 8-KPNC
Apr 15, 2026
- 8-KPNC
Apr 15, 2026
- Q4 2025
- 10-KPNC
Feb 20, 2026
- 8-KPNC
Jan 26, 2026
- 8-KPNC
Jan 16, 2026
- 8-KPNC
Jan 16, 2026
- 8-KPNC
Jan 5, 2026
- EX-99PNC
- Q3 2025
- 8-KPNC
Dec 12, 2025
- EX-99PNC
Dec 12, 2025
- 8-KPNC
Nov 7, 2025
- 10-QPNC
- 8-KPNC
Oct 15, 2025
- 8-KPNC
Oct 15, 2025
- Q2 2025
- 8-KPNC
Sep 8, 2025
- EX-99PNC
- 10-QPNC
- 8-KPNC
Jul 21, 2025
- 8-KPNC
Jul 16, 2025
- 8-KPNC
Jul 16, 2025
- Q1 2025
- 8-KPNC
May 13, 2025
- 10-QPNC
- 8-KPNC
Apr 25, 2025
- 8-KPNC
Apr 15, 2025
- 8-KPNC
Apr 15, 2025
- 8-KPNC
Apr 7, 2025
- EX-99PNC
- Q4 2024
- 8-KPNC
Mar 27, 2025
- 10-KPNC
Feb 21, 2025
- 8-KPNC
Feb 21, 2025
- 8-KPNC
Feb 3, 2025
- 8-KPNC
Jan 29, 2025
- 8-KPNC
Jan 23, 2025
- 8-KPNC
Jan 16, 2025
- 8-KPNC
Jan 16, 2025
- Q3 2024
- 8-KPNC
Nov 8, 2024
- 10-QPNC
- 8-KPNC
Oct 30, 2024
- 8-KPNC
Oct 21, 2024
- 8-KPNC
Oct 15, 2024
- 8-KPNC
Oct 15, 2024
- Q2 2024
- 10-QPNC
- 8-KPNC
Jul 23, 2024
- 8-KPNC
Jul 16, 2024
- 8-KPNC
Jul 16, 2024
- Q1 2024
- 8-K/APNC
May 24, 2024
- 8-KPNC
May 14, 2024
- 10-QPNC
- 8-KPNC
Apr 29, 2024
- 8-KPNC
Apr 16, 2024
- 8-KPNC
Apr 16, 2024
- Q4 2023
- 8-KPNC
Mar 5, 2024
Earnings releases
13 documentsPresentations
21 documents
Transcripts
0 documentsNo transcripts for PNC Financial Services are held in this edition of the library.
Mentioned by
12 companiesOther tracked companies whose held documents mention PNC Financial Services by name or ticker. A mention is counted once per document, from the document text the library holds.
“facility. BofA Securities, Inc., Wells Fargo Securities, LLC, J.P. Morgan Securities LLC, PNC Capital Markets… …statements intended to qualify for the “safe harbor” from liability established by the Private Securities Litigation Reform Act of 1995. F”
“g, merchant acquisition and point-of-sale systems. Previously, Lyons was president of The PNC Financial Services Group, where…”
“ings outstanding under its revolving credit facility. BofA Securities, J.P. Morgan, PNC Capital Markets LLC and Truist Securities are acting as joint… …forward-looking statements within the meaning of the safe harbor provisions of the U.S. Priv”
“hat regard, Matador expects to pay down its reserves-based lending credit facility led by PNC Bank by approximately $350-400 million following the closings in the fourth quarter, depending… …forecasted financial and operating results, future 2 liquid”
“…located coast-to-coast. PNC also has strategic international offices in four countries outside the U.S. ACQUISITION OF FIRSTBANK HOLDING COMPANY On January 5, 2026, PNC completed its a”
“…Significant Items In the third quarter of 2026, PNC incurred integration costs related to the FirstBank acquisition of $36 million. Results also included significant items of negative $25 million related to n”
“ for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes… …financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial I”
Norwegian Cruise Line Holdings (NCLH)
“ for bank merger & acquisition activity: CFG, FITB, FCNCA, FHN, HWC, HBAN, KEY, MTB, SSB, PNC, TFC, USB, ZION. Peer median excludes… …financial service providers. ☑ Advance Strategic Focus Prioritize forward-looking initiatives including Artificial I”
“, with the opinion thereon of PricewaterhouseCoopers… … KEYBANC CAPITAL MARKETS, INC. and PNC CAPITAL MARKETS LLC, as Joint Book Runners for the Revolving Credit Facility and the Term Loan Facility , and KEYBANC CAPITAL MARKETS, INC., PNC CAPITAL MAR”
“the covenants in our credit facility with Capital One and the securitization program with PNC Bank; changes in market conditions and receptivity… …growth and profitability expansion in line with our expectations. We generated positive operating and f”
“l working capital adjustments Financing Amended and restated credit facility with PNC Bank $225 million revolving credit facility, $108 million drawn $100 million unsecured… … 10 Earnings Currently ex”
Regions Financial Corporation (RF)
“ave been adjusted for bank merger & acquisition activity: CFG, FHN, FITB, HBAN, HWC, MTB, PNC, SNV, TFC, USB. Other peers include CMA, KEY, ZION. Peer… … (1) Floating rate leg of swaps vs overnight SOFR. (2) Net Asset Swap Position equals Receive-Fix”
See also the earnings calendar for every tracked company’s next earnings date.