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Sentiment · FY2026 Q1
What companies say about each other on earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“On Optis, we signed a multiyear extension with PNC and a new mandate with Fidem Financial, a fast-growing credit card asset manager that has acquired over $15 billion in assets.”
PNC signed a multiyear Optis card-processing extension with Fiserv.
“It started with the bigger banks, JPMorgan, Bank of America, but now Fifth Third, PNC or some of your peers that are building out branches”
An analyst notes PNC is among regional peers building out branches to strengthen consumer banking, a competitive dynamic for KeyCorp.
“So we just wrapped the PNC call, and I had asked Bill about the argument that they need more scale. And, you know, the comment was competing against the mega banks in order to drive retail deposit growth.”
An analyst references PNC's own earnings call, where PNC argued it needs more scale to compete with mega banks for retail deposit growth, used as a comparison point against M&T's smaller, community-focused model.
“assuming C&I loan growth continues to be strong, which is what we saw out of P&C yesterday, M&T same thing.”
An analyst cites PNC's C&I loan growth reported the prior day as a peer benchmark supporting expectations for similarly strong commercial loan growth at U.S. Bancorp.
“we just recently announced PNC. It's been great working with them.”
PNC Bank is a new Crypto-as-a-Service infrastructure customer, part of Coinbase's push to white-label custody, trading and payments to banks.
“we extended our joint venture agreement with PNC in Q1, which also included a Clover hardware order.”
PNC extended its joint venture with Fiserv and placed a Clover hardware order, signaling continued investment in Fiserv's merchant tech for its small-business banking.
“Mike joined us from PNC, a long-standing Fiserv partner, and one of the nation's largest and strongest banks”
Fiserv's new incoming CEO joined from PNC, described as a long-standing Fiserv banking partner and one of the largest US banks.
“we're gonna get some percentage of your market as is JP and B of A.”
PNC cites Bank of America as a large-bank competitor expanding branches and taking market share, underscoring national retail-banking competition.
“we're gonna get some percentage of your market as is JP and B of A.”
PNC frames JPMorgan as a fellow national-scale branch-builder aggressively taking share in new markets, part of the intensifying retail-banking competition.
“Dabbled a little bit in terms of partnerships with Coinbase.”
An analyst notes PNC's crypto partnership with Coinbase while probing stablecoin/deposit risk, a partnership read-through for Coinbase.
“The Visa derivative adjustment in the fourth quarter was negative $41 million primarily related to Visa's December announcement of a litigation escrow funding.”
PNC booked a negative $41M Visa derivative adjustment tied to Visa's December litigation escrow funding announcement, reflecting PNC's legacy Visa share exposure.
“we closed the acquisition of FirstBank and we're all excited about the opportunity in front of us.”
PNC closed its acquisition of FirstBank (Colorado/Arizona), expanding its presence in high-growth Western markets; a completed-deal read-through for the acquired FirstBank.
“Moody's had been the binding constraint. But remember, Moody's triggers their ratings off of risk-weighted assets”
PNC management notes Moody's had been its binding capital constraint and that Moody's ratings key off risk-weighted assets, which could shift under Basel III endgame.
“other non-interest income of $198 million included negative Visa derivative fair value adjustments of $35 million, primarily related to Visa's September announcement of a litigation escrow funding”
PNC took a $35M negative fair-value mark on its Visa derivative tied to Visa's September litigation-escrow funding announcement, a read-through on Visa's ongoing interchange litigation exposure.
“the recent announcement to acquire FirstBank. Kevin Klassen and his team have built a premier bank in the Colorado region with a focus on strong customer service and an enviable branch network.”
PNC announced the acquisition of Colorado's FirstBank, which vaults PNC to the number-one retail deposit and branch position in Denver and triples its Colorado footprint.
“I applaud what JP did. I think they're exactly right. I think there's a big cost to keeping this data secure and producing it in a form that's readable for our clients.”
PNC's CEO praises JPMorgan's move to begin charging fintechs for access to consumer bank data, signaling PNC is weighing similar fintech data-access fees.
“PNC owns 1.8 million Visa Class B shares, with an unrecognized gain of approximately $950 million as of March 31.”
PNC discloses a sizable unrecognized gain on its legacy Visa Class B share holding, an equity stake dating to Visa's IPO-era litigation escrow structure.
“It is one of the reasons at PNC, we formed this partnership with TCW so that in some of those instances, instead of losing the client in that case, we keep the client [fundamental] (ph) through a different vehicle to keep all the TM and fee-related stuff.”
PNC formed a private-credit partnership with asset manager TCW to retain clients who might otherwise move business to private credit funds, preserving treasury management and fee relationships.
PNC closed FY2025 with $16.59 per share, up 21%, as total revenue grew 7% for the full year with NIM reaching 2.84%. The FirstBank acquisition closed and integration began, positioning PNC as a dominant force in Colorado. Management introduced aggressive FY2026 guidance of approximately 11% total revenue growth and approximately 14% NII growth, incorporating FirstBank contributions alongside organic momentum.
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 |
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| John Pancari | Evercore ISI | 12 (8%) |
| Scott Siefers | Piper Sandler | 12 (0%) |
| Ebrahim Poonawala | Bank of America |
| 12 (0%) |
| Gerard Cassidy | RBC Capital Markets | 12 (0%) |
| Erika Najarian | UBS | 10 (0%) |
| Mike Mayo | Wells Fargo | 10 (10%) |
| 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 (Challenge)Percentage 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%) |
| 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% |