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Dec 31, 2025
PNC Q4 2025 Earnings Report
PNC reported strong Q4 2025 results with solid earnings and revenue growth.
Key Takeaways
PNC delivered a robust fourth quarter with higher net interest income, improved margins, and strong segment performance across Corporate & Institutional Banking. The bank closed its acquisition of FirstBank, setting a strong foundation heading into 2026.
Net income reached $2.03 billion for Q4 2025
EPS increased to $4.88, up from $3.77 a year ago
Revenue rose to $6.07 billion driven by growth in both net interest and noninterest income
PNC closed its acquisition of FirstBank on January 5, 2026
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
PNC enters 2026 with strong momentum, backed by the FirstBank acquisition and expectations of stable economic growth.
Positive Outlook
- FirstBank acquisition completed, expanding assets and deposits
- Strong capital and liquidity positions maintained
- Share repurchases expected to reach $600–$700M in Q1 2026
- Solid balance sheet growth in commercial loans and deposits
- NIM and fee income growth provide earnings support
Challenges Ahead
- Higher delinquencies, especially in commercial loans
- Noninterest expenses increased due to seasonality and compensation
- Net loan charge-offs remained elevated at $162M
- Provision for credit losses remains significant at $139M
Historical Earnings Impact
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Avg. Return Before/After Earnings
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