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PNC Financial (PNC)
NYSE:PNC
Earnings Data
Report Date
Jul 16, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
3.54Last Year’s EPS
3.39Same Quarter Last Year
Moderate Buy
Based on 16 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 15, 2025
|% Change Since: 16.72%
|Next Earnings Date:Jul 16, 2025
Earnings Call Sentiment|Neutral
PNC delivered strong financial performance in the first quarter with solid net income growth, positive operating leverage, and a strategic focus on capital return to shareholders. However, challenges such as market volatility, tariff uncertainties, and potential credit risks weigh on the outlook. Despite these challenges, PNC's disciplined approach to expense management and loan growth position it well for 2025.Company Guidance
During The PNC Financial Services Group's first quarter 2025 earnings call, the company highlighted strong financial performance, emphasizing key metrics and strategic goals. PNC reported a net income of $1.5 billion or $3.51 per share, with a 3% year-over-year growth in spot C&I loans and a net interest margin increase to 2.78%. Despite a 2% decrease in total revenue due to seasonality, non-interest expenses were well-managed, allowing PNC to maintain positive operating leverage. The bank remains committed to delivering record net interest income (NII) for the year. PNC's capital levels improved, with a CET1 ratio of 10.6% and ongoing shareholder returns through $800 million in dividends and share repurchases. Looking forward, PNC expects full-year 2025 revenue growth of approximately 6%, with net interest income expected to rise by 6% to 7%, and non-interest income up by approximately 5%, despite potential challenges from market volatility and tariff uncertainties.Strong Net Income and EPS Growth
PNC reported a strong net income of $1.5 billion or $3.51 per share, with EPS growth of 13% year over year.
C&I Loan Growth
Spot C&I loans grew by 3% during the quarter, with strong new commitments, marking the largest increase since Q4 2022.
Positive Operating Leverage
PNC remains on track to deliver positive operating leverage, with total revenue up 6% and non-interest expense up only 2% year over year.
Capital Return to Shareholders
PNC returned approximately $800 million of capital to shareholders through common dividends and share repurchases.
Improved CET1 Ratio
PNC reported a CET1 ratio of 10.6%, with an estimated CET1 ratio inclusive of AOCI at 9.4%.
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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
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PNC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 15, 2025 | $153.72 | $153.79 | +0.05% |
Jan 16, 2025 | $198.38 | $194.52 | -1.95% |
Oct 15, 2024 | $183.51 | $187.23 | +2.03% |
Jul 16, 2024 | $164.53 | $172.28 | +4.71% |
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.
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FAQ
When does PNC Financial (PNC) report earnings?
PNC Financial (PNC) is schdueled to report earning on Jul 16, 2025, TBA Not Confirmed.
What is PNC Financial (PNC) earnings time?
PNC Financial (PNC) earnings time is at Jul 16, 2025, TBA Not 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 (Q2) is 3.54.
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