---
schema_version: "secwatch.filing_event.v1"
accession: "0000713676-26-000006"
form_type: "8-K"
ticker: "PNC"
cik: "0000713676"
company_name: "PNC FINANCIAL SERVICES GROUP, INC."
filed_at: "2026-01-16T23:59:59+00:00"
generated_at: "2026-05-16T09:58:54.788606+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# PNC Q4 net income $2.0B, EPS $4.88; full-year record revenue $23.1B, EPS $16.59

## Summary
- Q4 net income $2.0B, diluted EPS $4.88; full-year net income $7.0B, diluted EPS $16.59 vs $13.74 prior year.
- Full-year revenue $23.1B (record), up 7%; NII $14.41B up 7%; fee income $8.69B up 8%.
- Q4 NII $3.73B, NIM 2.84% (up 5 bps); average loans up 1%, deposits up 2%.
- Closed FirstBank acquisition Jan 5, 2026; adds $26B assets, $16B loans, $23B deposits.
- CET1 ratio 10.6%; TBV $112.51; increased share repurchases planned.

## SEC filing metadata
- accession: 0000713676-26-000006
- form_type: 8-K
- ticker: PNC
- cik: 0000713676
- company_name: PNC FINANCIAL SERVICES GROUP, INC.
- filed_at: 2026-01-16T23:59:59+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/713676/000071367626000006/0000713676-26-000006-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/713676/000071367626000006/pnc-20260116.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000713676-26-000006
- JSON: https://secwatch.observer/filing/0000713676-26-000006.json
- Plain text: https://secwatch.observer/filing/0000713676-26-000006.txt

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