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Sentiment · FY2026 Q2
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Gerard Cassidy | RBC Capital Markets | 14 (0%) |
| Ebrahim Poonawala | Bank of America | 14 (14%) |
| John Pancari | Evercore ISI | 13 (8%) |
| Erika Najarian | UBS | 13 (8%) |
| Mike Mayo | Wells Fargo | 12 (58%) |
| Scott Siefers | Piper Sandler | 12 (0%) |
| Ken Usdin | Autonomous Research | 9 (0%) |
| Matt O'Connor | Deutsche Bank | 9 (0%) |
| Betsy Graseck | Morgan Stanley | 8 (13%) |
| John McDonald | Truist Securities | 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. |
|---|---|---|
| RBC Capital Markets | 1 | 14 (0%) |
| Piper Sandler | 2 | 14 (0%) |
| Bank of America | 1 | 14 (14%) |
| Evercore ISI | 1 |
| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $8.53B | +0.7% | $3.77 | +103.8% | 22.3% | 18.9% |
| FY2025 Q1 | $8.10B | -3.4% | $3.51 | +13.2% | 22.8% | 18.3% |
| FY2025 Q2 | $8.38B | +5.5% | $3.85 | +13.6% | 24.2% | 19.4% |
| FY2025 Q3 |
| 13 (8%) |
| UBS | 1 | 13 (8%) |
| Wells Fargo | 1 | 12 (58%) |
| Morgan Stanley | 2 | 11 (9%) |
| Autonomous Research | 1 | 9 (0%) |
| $8.79B |
| -0.6% |
| $4.35 |
| +24.6% |
| 26.0% |
| 20.6% |
| FY2025 Q4 | $8.72B | +2.2% | $4.88 | +29.4% | 26.7% | 23.2% |
| FY2026 Q1 | $6.17B | +12.7% | $4.13 | +17.7% | 35.5% | 28.5% |
| FY2026 Q2 | $6.88B | +21.4% | $4.81 | +24.9% | 37.6% | 29.7% |
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).
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 |
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.
| 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 | 6 | +0.4% | |
| USB U.S. Bancorp | 7 | +4.7% |