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PNC Financial (PNC)
NYSE:PNC
Earnings Data
Report Date
Jan 16, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
4.14Last Year’s EPS
3.77Same Quarter Last Year
Moderate Buy
Based on 19 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
PNC demonstrated strong financial performance with record revenue and net income, driven by solid growth in loans and deposits and strategic acquisitions. However, challenges such as a decline in commercial real estate loans, pressure on net interest margin, and increased expenses were noted. The company remains optimistic about future growth, but there is cautiousness regarding economic uncertainties.Company Guidance
Record Revenue and Net Income
PNC reported record revenue of $5.9 billion, up 4% from the previous quarter, and net income of $1.8 billion or $4.35 per share.
Strong Loan and Deposit Growth
Loans grew by $3 billion or 1% to $326 billion, and deposit balances increased by $9 billion or 2% to $432 billion.
Expansion and Strategic Acquisitions
PNC plans to open 25 new branches by the end of the year and complete over 200 branch builds by 2029. The acquisition of FirstBank will triple PNC's branch footprint in Colorado and add presence in Arizona.
Positive Operating Leverage
The company delivered more than 200 basis points of positive operating leverage and record PPNR of $2.5 billion.
Strong Non-Interest Income Growth
Non-interest income rose by 8% to $2.3 billion, driven by a 9% increase in fee income and a 35% rise in capital markets and advisory revenue.
Stable Credit Quality
The net charge-off ratio remains low at 22 basis points, and provision for credit losses decreased to $167 million.
PNC Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PNC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 15, 2025 | $189.73 | $182.34 | -3.90% |
Jul 17, 2025 | $192.17 | $194.21 | +1.06% |
Apr 15, 2025 | $151.01 | $151.08 | +0.05% |
Jan 16, 2025 | $194.88 | $191.09 | -1.94% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does PNC Financial (PNC) report earnings?
PNC Financial (PNC) is schdueled to report earning on Jan 16, 2026, Before Open (Confirmed).
What is PNC Financial (PNC) earnings time?
PNC Financial (PNC) earnings time is at Jan 16, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is PNC EPS forecast?
PNC EPS forecast for the fiscal quarter 2025 (Q4) is 4.14.
