PNC Financial Services

PNC

Market cap $70.4B

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The PNC Financial Services Group, Inc. (NYSE:PNC ) Q3 2025 Earnings Call October 15, 2025 11:00 AM EDT Company Participants Bryan Gill - EVP, Director of Investor Relations William Demchak - Chairman & CEO Robert Reilly - EVP, CFO & Director Conference Call Participants Robert Siefers - Piper Sandler & Co., Research Division Betsy Graseck - Morgan Stanley, Research Division John Pancari - Evercore ISI Institutional Equities, Research Division Ebrahim Poonawala - BofA Securities, Research Division Christopher McGratty - Keefe, Bruyette, & Woods, Inc., Research Division L. Erika Penala - UBS Investment Bank, Research Division Gerard Cassidy - RBC Capital Markets, Research Division Kenneth Usdin - Bernstein Autonomous LLP Michael Mayo - Wells Fargo Securities, LLC, Research Division Matthew O'Connor - Deutsche Bank AG, Research Division Presentation Operator Greetings, and welcome to the PNC Financial Services Group Earnings Conference Call.

PNC delivers upbeat Q3 results as strong NII, fee income and improved credit quality lift earnings above estimates.

While the top- and bottom-line numbers for The PNC Financial Services Group (PNC) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

PNC Financial Services Group reported solid Q3 results, with strong credit quality and EPS growth, but faces headwinds from Fed rate cuts. Deposit and loan growth remain modest, with NIM likely peaking and further compression expected as lower rates impact loan yields and deposit mix. PNC's acquisition of FirstBank expands its presence in Colorado and Arizona, supporting its super-regional growth strategy and offering immediate scale in key markets.

The PNC Financial Services Group, Inc (PNC) came out with quarterly earnings of $4.35 per share, beating the Zacks Consensus Estimate of $4.05 per share. This compares to earnings of $3.49 per share a year ago.

PNC Financial reported a more than 21% rise in third-quarter profit on Wednesday, driven by higher interest income and across-the-board jump in fees.

PNC Financial Services Group logged higher profit and revenue in the third quarter as it continued adding customers.

Record revenue; 8% noninterest income growth; strong credit quality Announced agreement to acquire FirstBank on Sept. 8, 2025 PITTSBURGH , Oct. 15, 2025 /PRNewswire/ -- The PNC Financial Services Group, Inc. (NYSE: PNC) today reported: For the quarter In millions, except per share data and as noted 3Q25 2Q25 3Q24 Third Quarter Highlights Financial Results Comparisons reflect 3Q25 vs.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does The PNC Financial Services Group (PNC) have what it takes?