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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Scott Siefers | Piper Sandler | 12 | 0% |
| Ebrahim Poonawala | Bank of America | 12 | 0% |
| John Pancari | Evercore ISI | 12 | 8% |
| Gerard Cassidy | RBC Capital Markets | 12 | 0% |
| Mike Mayo | Wells Fargo | 10 | 10% |
| Erika Najarian | UBS | 10 | 0% |
| Betsy Graseck | Morgan Stanley | 8 | 13% |
| Matt O'Connor | Deutsche Bank | 8 | 0% |
| Ken Usdin | Autonomous Research | 8 | 0% |
| Will Carcache | Wolfe Research | 7 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Evercore ISI | 1 | 12 | 8% |
| Bank of America | 1 | 12 | 0% |
| RBC Capital Markets | 1 | 12 | 0% |
| Piper Sandler |
| 1 |
| 12 |
| 0% |
| UBS | 1 | 10 | 0% |
| Wells Fargo | 1 | 10 | 10% |
| Morgan Stanley | 2 | 10 | 10% |
| Wolfe Research | 2 | 9 | 0% |
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 | Credit | Revenue Growth | Macroeconomic | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 4 | 5 | 4 | 3 | 3 | 3 | 2 | 4 |
| 2025Q1 | 4 | 2 | 6 | 1 | 2 | 4 | 2 | 5 |
| 2025Q2 | 5 | 6 | 4 | 5 | 2 | 1 | 4 | 1 |
| 2025Q3 | 6 | 6 | 1 | 3 | 2 | 3 | 1 | |
| 2025Q4 | 4 | 3 | 3 | 2 | 4 | 1 | 5 | 2 |
| 2026Q1 | 6 | 6 | 4 | 4 | 4 | 3 | 1 | 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 |
| Credit | 3 | 4 | 1 | 3 | 1 | 3 |
| Revenue Growth | 2 | 2 | 4 | 1 | 5 | 1 |
| Macroeconomic | 4 | 5 | 1 | 2 | 2 |
| 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% | |
| RF Regions Financial Corporation | 6 | +0.5% | |
| TFC Truist Financial | 7 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |