PNC Financial Services reported net income of $1,822 million and diluted earnings per share of $4.35 for Q3 2025, compared with $1,643 million and $3.85, respectively, in 2Q25.

1. 01

   PNC Financial Services reported net income of $1,822 million and diluted earnings per share of $4.35 for Q3 2025, compared with $1,643 million and $3.85, respectively, in 2Q25.

2. 02

   The company recorded net interest income of $3,648 million, noninterest income of $2,267 million and total revenue of $5,915 million for Q3 2025, with total revenue up 4% from 2Q25 and net interest margin of 2.79%.

3. 03

   PNC reported a provision for credit losses of $167 million and net loan charge-offs of $179 million, or 0.22% annualized to average loans, for Q3 2025, with the allowance for credit losses to total loans at 1.61%.

4. 04

   The company agreed on September 8, 2025 to acquire FirstBank Holding Company for implied consideration of $4.1 billion, with an expected close in early 2026. In Q3, it returned $1.0 billion to shareholders, comprising $0.7 billion in dividends and $0.3 billion in common share repurchases.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.