---
schema_version: "secwatch.filing_event.v1"
accession: "0000713676-25-000126"
form_type: "8-K"
ticker: "PNC"
cik: "0000713676"
company_name: "PNC FINANCIAL SERVICES GROUP, INC."
filed_at: "2025-10-15T23:59:59+00:00"
generated_at: "2026-05-17T03:48:54.360220+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# PNC Q3 net income $1.8B, EPS $4.35; announces FirstBank acquisition for $4.1B

## Summary
- Net income $1.8B, diluted EPS $4.35 vs $3.85 in Q2 2025 and $3.49 in Q3 2024.
- Revenue $5.9B record, up 4% QoQ; NII $3.6B up 3%; fee income up 9%.
- Average loans grew $3.2B (1%) QoQ, deposits up $8.9B (2%).
- CET1 ratio 10.6%, returned $1B capital via dividends and buybacks.
- On Sept. 8, PNC agreed to acquire FirstBank for $4.1B, expected close in early 2026.

## SEC filing metadata
- accession: 0000713676-25-000126
- form_type: 8-K
- ticker: PNC
- cik: 0000713676
- company_name: PNC FINANCIAL SERVICES GROUP, INC.
- filed_at: 2025-10-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/713676/000071367625000126/0000713676-25-000126-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/713676/000071367625000126/pnc-20251015.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000713676-25-000126
- JSON: https://secwatch.observer/filing/0000713676-25-000126.json
- Plain text: https://secwatch.observer/filing/0000713676-25-000126.txt

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