PNC Financial Services Q4 2025 Earnings Beat Expectations with EPS of $4.88
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Source: Benzinga
- Strong Earnings Performance: PNC Financial Services reported Q4 2025 earnings per share of $4.88, exceeding the consensus estimate of $4.21, which underscores the company's robust profitability and strengthens its market position.
- Significant Revenue Growth: The quarterly revenue reached $6.07 billion, surpassing analysts' expectations of $5.96 billion, indicating strong execution across all business lines that drove overall revenue growth.
- Optimistic Management Outlook: CEO Bill Demchak stated that 2025 was successful by virtually all measures, and he is confident about maintaining strong momentum into 2026, especially following the acquisition of FirstBank.
- Analyst Price Target Increases: Following the earnings announcement, several analysts raised their price targets for PNC, with Keefe, Bruyette & Woods increasing theirs from $228 to $247, reflecting a positive market outlook for PNC's future performance.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy PNC?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on PNC
Wall Street analysts forecast PNC stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PNC is 234.40 USD with a low forecast of 201.00 USD and a high forecast of 271.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
17 Analyst Rating
12 Buy
4 Hold
1 Sell
Moderate Buy
Current: 224.460
Low
201.00
Averages
234.40
High
271.00
Current: 224.460
Low
201.00
Averages
234.40
High
271.00
About PNC
The PNC Financial Services Group, Inc. is a diversified financial services company in the United States. It is engaged in the delivery of retail and business banking, including a full range of lending products; specialized services for corporations and government entities, including corporate banking, real estate finance and asset-based lending; wealth management and asset management. Its Retail Banking segment provides deposit, lending, brokerage, insurance services, investment management and cash management products and services to consumer and small business customers. Its Corporate & Institutional Banking segment provides lending, treasury management, capital markets and advisory products and services to mid-sized and large corporations and government and not-for-profit entities. Its Asset Management Group segment provides private banking for high-net worth and ultra-high net worth clients and institutional asset management. The Company's bank subsidiary is PNC Bank.
About the author

Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
U.S. Big Banks' Performance Review for 2025
- Bank Performance Overview: In 2025, the six largest U.S. banks saw an average increase of 42%, with an average return of 45.51%, significantly outperforming tech stocks at 22.74%, indicating strong performance driven by high interest rates and M&A activity, yet facing risks from tightening regulations and softening loan demand ahead.
- Declining Loan Demand: As demand for commercial real estate and small business loans weakens, banks' net interest margins are peaking, with analysts warning of potential rate cuts ahead, creating a mismatch between investor expectations and the reality for bank stocks.
- Sell Recommendations for Major Banks: Analysts suggest investors consider selling Bank of America (BAC), PNC Financial Services (PNC), and Wells Fargo (WFC) due to challenges such as slowing loan growth and rising compliance costs, which could negatively impact stock performance.
- Increased Regulatory Pressure: The Trump administration's scrutiny of bank stock buyback programs may lead to declining profits, particularly for WFC, which missed earnings expectations in its latest report, highlighting ongoing legal and market challenges that could further affect its stock price.

Continue Reading
PNC Foundation Grants $2 Million to Pittsburgh for Snow Removal Equipment
- Funding Support: The PNC Foundation has announced a $2 million grant to the City of Pittsburgh for the purchase of new snow removal equipment, addressing challenges posed by a recent record-setting snowstorm and ensuring the city's preparedness for winter weather.
- Equipment Procurement Plan: Mayor Corey O'Connor stated that this funding will assist the Department of Public Works in acquiring 15 new vehicles this year, enhancing snow removal capabilities and thereby improving community safety and economic vitality.
- Community Collaboration: PNC's investment increases the total number of reliable equipment for the Pittsburgh Department of Public Works to over 50, demonstrating a strong partnership with local government aimed at enhancing the city's emergency response capabilities.
- Long-term Commitment: The PNC Foundation is committed to supporting community development and early childhood education, and through this donation, it further reflects its long-term investment in the Pittsburgh area and concern for the well-being of its residents.

Continue Reading





