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Reporting soon: earnings call Thursday, Oct 15
A pre-earnings brief is ready for PNC: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
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PNC delivered $4.13 per share with NIM expanding to 2.95%, on a clear path toward 3%+, as organic loan growth hit a three-year high. Fee income grew 13% year-over-year with broad-based strength across the franchise, and total revenue reached $6.2 billion. Management raised component guidance within an unchanged approximately 11% total revenue target, lifting NII to approximately 14.5% and loans to approximately 11%, as the FirstBank integration tracked toward June conversion.
Margin | Demand | Competitive Dynamics | Regulation Policy | Capital Allocation | Revenue Growth | Credit | Macroeconomic | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 4 | 5 | 4 | 3 | 3 | 2 | 3 | 4 |
| 2025Q1 | 4 | 2 | 6 | 1 | 2 | 2 | 4 | 5 |
| 2025Q2 | 5 | 6 | 4 | 5 | 2 | 4 | 1 | 1 |
| 2025Q3 | 6 | 6 | 1 | 3 | 2 | 1 | 3 | |
| 2025Q4 | 4 | 3 | 3 | 2 | 4 | 5 | 1 | 2 |
| 2026Q1 | 6 | 6 | 4 | 4 | 4 | 1 | 3 | 2 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Margin | 4 | 4 | 5 | 6 | 4 | 6 |
| Demand | 5 | 2 | 6 | 6 | 3 | 6 |
| Competitive Dynamics | 4 | 6 | 4 | 1 | 3 | 4 |
| Regulation Policy | 3 | 1 | 5 | 3 | 2 | 4 |
| Capital Allocation | 3 | 2 | 2 | 2 | 4 | 4 |
| Revenue Growth | 2 | 2 | 4 | 1 | 5 | 1 |
| Credit | 3 | 4 | 1 | 3 | 1 | 3 |
| Macroeconomic | 4 | 5 | 1 | 2 | 2 |
Calendar quarter Q1 2026Earnings call Apr 15, 2026
FY2026 Q1 in brief
PNC delivered $4.13 per share with NIM expanding to 2.95%, on a clear path toward 3%+, as organic loan growth hit a three-year high.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
Sources. Tellvest earnings-call sentiment score for PNC Financial Services (PNC), FY2026 Q1: 8/10. Scores: PNC Financial Services’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: PNC daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Net margin |
|---|---|---|---|---|---|
| FY2024 Q4 | $8.53B | +0.7% | $3.77 | +103.8% | 18.9% |
| FY2025 Q1 | $8.10B | -3.4% | $3.51 | +13.2% | 18.3% |
| FY2025 Q2 | $8.38B | +5.5% | $3.85 | +13.6% | 19.4% |
| FY2025 Q3 | $8.78B | -0.7% | $4.35 | +24.6% | 20.6% |
| FY2025 Q4 | $8.72B | +2.2% | $4.88 | +29.4% | 23.2% |
| FY2026 Q1Selected | $8.64B | +12.7% | $4.13 | +17.7% | 20.4% |
| FY2026 Q2 | $9.02B | +21.4% | $4.81 | +24.9% | 22.6% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
GAAP revenue YoY +12.7% → base 7. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
What PNC and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“with the signing of a lease with PNC Bank a couple of weeks ago for the last remaining 11,000 square feet, Santana West is officially 100% leased.”
PNC Bank signed a lease for the final space at Santana West, indicating continued PNC retail-branch/office footprint expansion in San Jose.
“We expanded our long-standing digital money movement relationship with PNC Bank to include cash flow central AR/AP Services for their small businesses.”
PNC expanded its existing Fiserv relationship to add CashFlow Central AR/AP services for its small-business clients, a win for Fiserv's Financial Solutions.
“Our partnership with TCW on cash flow lending”
PNC references its cash-flow lending partnership with asset manager TCW, noting new-production spreads have widened about 50 bps amid private-credit market jitters.
“We completed the acquisition of FirstBank early in the quarter and we are well on our way to a mid-June conversion.”
PNC closed its acquisition of FirstBank ($15B loans, $22B deposits) and is on track for a mid-June conversion, expanding PNC's franchise and expected to be integration-complete in 2026.
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Gerard Cassidy | RBC Capital Markets | 14 questions · 0% challenging |
| Ebrahim Poonawala | Bank of America | 14 questions · 14% challenging |
| John Pancari | Evercore ISI | 13 questions · 8% challenging |
| Erika Najarian | UBS | 13 questions · 8% challenging |
| Scott Siefers | Piper Sandler | 12 questions · 0% challenging |
| Mike Mayo | Wells Fargo | 12 questions · 58% challenging |
| Matt O'Connor | Deutsche Bank | 9 questions · 0% challenging |
| Ken Usdin | Autonomous Research | 9 questions · 0% challenging |
| Betsy Graseck | Morgan Stanley | 8 questions · 13% challenging |
| John McDonald | Truist Securities | 7 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Piper Sandler | 2 analysts | 19 questions · 5% challenging |
| RBC Capital Markets | 1 analyst | 14 questions · 0% challenging |
| Bank of America | 1 analyst | 14 questions · 14% challenging |
| Evercore ISI | 1 analyst | 13 questions · 8% challenging |
| UBS | 1 analyst | 13 questions · 8% challenging |
| Wells Fargo | 1 analyst | 12 questions · 58% challenging |
| Morgan Stanley | 2 analysts | 11 questions · 9% challenging |
| Autonomous Research | 1 analyst | 9 questions · 0% challenging |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
PNC PNC Financial Services | 8 | +12.7% | |
| CFG Citizens Financial Group | 8 | +4.5% | |
| FITB Fifth Third Bancorp | 7 | +25.8% | |
| HBAN Huntington Bancshares | 7 | +26.3% | |
| KEY KeyCorp | 9 | +1.1% | |
| MTB M&T Bank | 7 | +1.7% | |
| NU Nu Holdings Ltd. | 8 | +53.4% | |
| RF Regions Financial Corporation | 6 | +0.5% | |
| TFC Truist Financial | 6 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |