PNC Financial Services

PNC

Market cap $91.2B

PNC Financial Services Group, Inc. (NYSE: PNC) reported better-than-expected fourth-quarter fiscal 2025 results on Friday.

PNC Financial Services delivered record Q4'25 revenue, 25% Y/Y earnings growth in Q4, and outperformed consensus on both top and bottom lines. Fee-driven businesses, especially capital markets advisory and mortgages, powered strong non-interest income, while net interest income reached a record $3.7B. PNC Financial posted overall solid asset quality, with a low NPL ratio, and benefited from strong loan growth in its Commercial & Industrial segment.

PNC Financial Services Group is fueling record investment in technology with the efficiencies it has gained through past deployments of automation and artificial intelligence (AI). During a fourth-quarter earnings call, held Friday (Jan.

The bank published its fourth-quarter and full-year 2025 figures. It notched new all-time highs in several key fundamentals, including revenue.

PNC Financial delivered strong Q4 results, with EPS of $4.88 and revenue up 9%, driven by Sun Belt expansion and resilient credit quality. PNC's balance sheet showed 3% growth in both deposits and loans, with deposit costs declining and noninterest-bearing balances rebounding. Guidance for 2026 calls for a 14% rise in net interest income and stable credit costs, supporting EPS of $17.85–$18.25 and continued capital returns.

PNC shares rally after Q4 EPS of $4.88 beat estimates, as record $6.1B revenues, higher NII and fees, and lower credit costs offset the rise in expenses.

The PNC Financial Services Group, Inc. (PNC) Q4 2025 Earnings Call Transcript

CNBC's Leslie Picker joins 'Squawk on the Street' to discuss the latest earnings reports from regional banks.

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The headline numbers for The PNC Financial Services Group (PNC) give insight into how the company performed in the quarter ended December 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.