PNC
The Pnc Financial·NYSE
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PNC fundamentals
The Pnc Financial (PNC) released its earnings on Oct 15, 2025: revenue was 5.92B (YoY +8.89%), beat estimates; EPS was 4.35 (YoY +24.64%), beat estimates.
Revenue / YoY
5.92B
+8.89%
EPS / YoY
4.35
+24.64%
Report date
Oct 15, 2025
PNC Earnings Call Summary for Q3,2025
- Record Q3 Performance: $1.8B net income, 4% revenue growth, and 200+ bps operating leverage driven by loan/deposit expansion.
- Strategic Acquisitions: FirstBank deal triples Colorado branch footprint, positioning PNC as #1 retail deposit bank in Denver.
- NII Growth Trajectory: 6.5% in 2025, >$1B in 2026 (excluding FirstBank), supported by fixed-rate asset repricing.
- Credit Resilience: 22bp NCO ratio, stable provision, and improving CRE portfolio quality.
- Deposit Growth Impact: Commercial IB deposit surge (+$9B Q/Q) pressured NIM, but CFO expects 3%+ NIM in 2026.
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Key Indicators
The Pnc Financial (PNC) key financial stats and ratios, covering profitability, financial health, and leverage.
The Pnc Financial (PNC)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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The Pnc Financial (PNC)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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The Pnc Financial (PNC)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does The Pnc Financial (PNC) generate its revenue? Explore its key revenue streams and top earning regions.
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Track The Pnc Financial (PNC) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What factors drove the changes in The Pnc Financial's revenue and profit?What does The Pnc Financial do and what are its main business segments?What is The Pnc Financial's gross profit margin?What is The Pnc Financial's latest dividend and current dividend yield?What were the key takeaways from The Pnc Financial’s earnings call?What is the revenue and EPS growth rate for The Pnc Financial year over year?What guidance did The Pnc Financial's management provide for the next earnings period?Did The Pnc Financial beat or miss consensus estimates last quarter?
