---
schema_version: "secwatch.filing_event.v1"
accession: "0000713676-25-000048"
form_type: "8-K"
ticker: "PNC"
cik: "0000713676"
company_name: "PNC FINANCIAL SERVICES GROUP, INC."
filed_at: "2025-07-16T23:59:59+00:00"
generated_at: "2026-05-18T06:22:08.972303+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.82
calibrated_materiality_score: 0.82
confidence: "high"
source: SEC EDGAR
---

# PNC Q2 2025 net income $1.6B, EPS $3.85; dividend raised to $1.70

## Summary
- Net income $1.64B, diluted EPS $3.85 vs $3.39 YoY; revenue $5.66B (+4% YoY).
- 4% positive operating leverage; PPNR $2.28B up 10% QoQ.
- Average loans +$6.1B QoQ to $322.8B; C&I loans grew 4%.
- NIM expanded to 2.80%; net interest income $3.56B (+2% QoQ).
- Quarterly common dividend raised $0.10 to $1.70/share; CET1 ratio 10.5%.

## SEC filing metadata
- accession: 0000713676-25-000048
- form_type: 8-K
- ticker: PNC
- cik: 0000713676
- company_name: PNC FINANCIAL SERVICES GROUP, INC.
- filed_at: 2025-07-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.82
- calibrated_materiality_score: 0.82
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/713676/000071367625000048/0000713676-25-000048-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/713676/000071367625000048/pnc-20250716.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000713676-25-000048
- JSON: https://secwatch.observer/filing/0000713676-25-000048.json
- Plain text: https://secwatch.observer/filing/0000713676-25-000048.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.