NYSE$PNC
PNC Financial Services Group Inc · Q4 2025 earnings
Q4 2025 earnings · · Before market open · Investor relations
Briefing
PNC Financial reported Q4 2025, revenue of $6.20B, net income of $1.77B, diluted EPS of $4.13.
For Q4 2025, PNC Financial reported revenue of $6.20B, net income of $1.77B, diluted EPS was $4.13. Management discusses segment performance, capital allocation, and macro risks in the quarterly filing.
- Revenue $6.20B.
- Net income $1.77B.
- Diluted EPS $4.13.
Headline financials
Revenue & EPS history
PNC · Revenue · Quarterly
$6.07B
Revenue by segment
PNC · $1.17B total across 2 segments · Q3 2023
- Retail Banking$1.09B-60.1%93.7%
- Asset Mgmt Group$73M-81.6%6.3%
Forward guidance
Bank outlook centers on net interest income trajectory, credit quality, capital ratios, and shareholder returns amid rate and regulatory dynamics.
Tailwinds
- Deposit and loan growth support NII.
- Capital returns via dividends and buybacks.
- Efficiency and digital engagement initiatives.
Headwinds
- Credit normalization and provision volatility.
- Rate cuts or deposit beta pressure NIM.
- Regulatory capital and liquidity requirements.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
-0.6%
Avg return
Earnings day
+0.2%
Avg return
5 days after
+2.3%
Avg return
30 days after
51%
37 / 73 earnings
Positive
+6.3%
Q2 2024
Best reaction
-9.0%
Q1 2020
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q4 2025 | +4.2% | +2.6% | -3.7% | |
| Q1 2026 | +2.5% | +2.6% | -3.7% | |
| Q3 2025 | -4.0% | -4.0% | -3.0% | |
| Q2 2025 | +0.6% | -0.2% | +4.4% | |
| Q1 2025 | +0.0% | -1.9% | +15.5% | |
| Q4 2024 | -0.9% | -0.9% | -3.3% | |
| Q3 2024 | +0.7% | +0.5% | +10.3% | |
| Q2 2024 | +6.3% | +3.8% | +1.7% | |
| Q1 2024 | -1.5% | +1.8% | +7.6% | |
| Q4 2023 | -0.1% | +2.2% | +9.8% | |
| Q3 2023 | -2.6% | -4.6% | -0.7% | |
| Q2 2023 | +4.1% | +5.6% | -2.9% | |
| Q1 2023 | +3.0% | +5.7% | -8.1% | |
| Q4 2022 | -8.5% | -1.6% | -2.0% | |
| Q3 2022 | +1.9% | -0.8% | +8.4% | |
| Q2 2022 | +2.5% | +6.1% | +15.7% | |
| Q1 2022 | -1.5% | -0.2% | -11.8% | |
| Q4 2021 | -6.2% | -9.6% | -9.4% | |
| Q3 2021 | -0.8% | +5.1% | +0.5% | |
| Q2 2021 | +0.1% | -6.1% | +0.6% | |
| Q1 2021 | +1.7% | +0.2% | +14.1% | |
| Q4 2020 | -3.4% | -3.2% | +0.5% | |
| Q3 2020 | -2.6% | -2.2% | +9.1% | |
| Q2 2020 | +3.7% | +1.7% | +10.4% | |
| Q1 2020 | -9.0% | +3.1% | -2.2% | |
| Q4 2019 | -4.5% | -4.1% | -3.6% | |
| Q3 2019 | +0.6% | +2.6% | +6.3% | |
| Q2 2019 | +0.1% | +0.6% | -8.5% | |
| Q1 2019 | +1.8% | +4.0% | +2.9% | |
| Q4 2018 | +0.6% | +3.4% | +2.5% | |
| Q3 2018 | -4.6% | -3.3% | +2.0% | |
| Q2 2018 | +2.1% | +3.2% | +4.0% | |
| Q1 2018 | -5.7% | -7.1% | -1.0% | |
| Q4 2017 | +0.5% | +1.8% | +0.1% | |
| Q3 2017 | -0.2% | -0.4% | -2.1% | |
| Q2 2017 | +0.0% | -0.7% | +0.6% | |
| Q1 2017 | +2.1% | +0.4% | +4.1% | |
| Q4 2016 | -3.4% | -1.4% | +4.4% | |
| Q3 2016 | +0.3% | +4.2% | +20.5% | |
| Q2 2016 | -0.9% | -0.3% | +2.6% | |
| Q1 2016 | -1.2% | — | — | |
| Q4 2015 | -1.8% | — | — | |
| Q3 2015 | -1.6% | — | — | |
| Q2 2015 | +1.8% | — | — | |
| Q1 2015 | -2.0% | — | — | |
| Q4 2014 | +2.7% | — | — | |
| Q3 2014 | -3.3% | — | — | |
| Q2 2014 | -5.6% | — | — | |
| Q1 2014 | +2.0% | — | — | |
| Q4 2013 | +4.3% | — | — | |
| Q3 2013 | +3.0% | — | — | |
| Q2 2013 | +1.9% | — | — | |
| Q1 2013 | +0.7% | — | — | |
| Q4 2012 | +3.4% | — | — | |
| Q4 2011 | -0.6% | — | — | |
| Q3 2012 | -5.0% | — | — | |
| Q2 2012 | -0.4% | — | — | |
| Q1 2012 | +0.7% | — | — | |
| Q3 2011 | -3.6% | — | — | |
| Q2 2011 | -3.6% | — | — | |
| Q1 2011 | +1.3% | — | — | |
| Q4 2007 | -2.8% | — | — | |
| Q4 2010 | -2.8% | — | — | |
| Q3 2010 | -0.6% | — | — | |
| Q2 2010 | -0.2% | — | — | |
| Q1 2009 | +5.3% | — | — | |
| Q1 2010 | +2.6% | — | — | |
| Q4 2009 | +0.8% | — | — | |
| Q3 2008 | +3.0% | — | — | |
| Q3 2009 | +3.0% | — | — | |
| Q2 2008 | -7.8% | — | — | |
| Q4 2008 | -7.8% | — | — | |
| Q2 2009 | -7.8% | — | — |
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