The PNC Financial Services Group Q4 Earnings Call Highlights

• Strong 2025 and Q4 results: PNC reported $7 billion successful 2025 nett income (~$16.59/share) with grounds revenue, 5% affirmative operating leverage and 21% EPS growth; Q4 nett income was $2 billion (~$4.88/share) connected $6.1 billion of gross and a 2.84% NIM.

• First Bank acquisition closed and accretive: PNC closed the First Bank woody connected Jan 5 for astir $4.2 billion (30% currency / 70% stock), plans conversion successful June 2026 and afloat integration by end-2026, and expects astir $1 per stock added to 2027 results with a projected ~25% IRR.

• 2026 guidance and superior plan: The combined institution expects ~8% mean indebtedness growth, ~11% full gross maturation and ~14% NII maturation successful 2026 with ~400 bps of affirmative operating leverage; CET1 is ~10.6% and PNC plans to rise buybacks to astir $600–$700 million per 4th portion expanding tech, subdivision and AI investments.

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The PNC Financial Services Group (NYSE:PNC) outlined what executives described arsenic a beardown decorativeness to 2025 and offered a growth-focused outlook for 2026, highlighted by the precocious closed acquisition of First Bank and continued investments successful technology, payments, and subdivision expansion.

Chairman and CEO Bill Demchak said 2025 was “a palmy year” by “virtually each measures,” arsenic PNC earned $7 cardinal successful nett income, oregon $16.59 per share. Management pointed to grounds revenue, 5% affirmative operating leverage, and 21% EPS growth for the year.

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Chief Financial Officer Rob Reilly said fourth-quarter full gross was a grounds $6.1 billion, up 3% from the anterior quarter. Net involvement income roseate to $3.7 billion and non-interest income accrued to $2.3 billion. Fourth-quarter nett income was $2 billion, oregon $4.88 per diluted share, helped by an effectual taxation complaint of 12.7% that Reilly said reflected favorable solution of respective taxation matters.

On nett involvement margin, Reilly reported a 2.84% NIM successful the 4th quarter, up 5 ground points from the anterior quarter, driven by little backing costs, indebtedness growth, and fixed-rate plus repricing.

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On an mean basis, PNC reported linked-quarter indebtedness maturation and deposit growth, portion borrowings declined. Reilly said mean loans were $328 billion, up $2 cardinal (1%) from the anterior quarter, with maturation driven by higher commercialized balances. On a spot basis, loans grew $5 cardinal (2%), which helium attributed to broad-based accumulation crossed PNC’s C&I franchise.