---
schema_version: "secwatch.filing_event.v1"
accession: "0000713676-26-000026"
form_type: "8-K"
ticker: "PNC"
cik: "0000713676"
company_name: "PNC FINANCIAL SERVICES GROUP, INC."
filed_at: "2026-04-15T23:59:59+00:00"
generated_at: "2026-05-15T06:14:06.745358+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# PNC Q1 net income $1.8B ($4.13 EPS); adj EPS $4.32; NII +6% QoQ on FirstBank deal

## Summary
- Net income $1.772B, diluted EPS $4.13 (adjusted $4.32) vs $1.499B/$3.51 in 1Q25.
- Revenue $6.165B (+13% YoY); NII $3.961B (+6% QoQ, +14% YoY); NIM 2.95% (+11 bps QoQ).
- Average loans +7% to $350.9B driven by FirstBank acquisition; deposits +4% to $458.4B.
- CET1 ratio 10.1% (down from 10.6%); returned $1.4B to shareholders including ~$700M buybacks.
- Provision for credit losses $210M, net charge-offs $253M (incl. $45M acquired FirstBank loans).

## SEC filing metadata
- accession: 0000713676-26-000026
- form_type: 8-K
- ticker: PNC
- cik: 0000713676
- company_name: PNC FINANCIAL SERVICES GROUP, INC.
- filed_at: 2026-04-15T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/713676/000071367626000026/0000713676-26-000026-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/713676/000071367626000026/pnc-20260415.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000713676-26-000026
- JSON: https://secwatch.observer/filing/0000713676-26-000026.json
- Plain text: https://secwatch.observer/filing/0000713676-26-000026.txt

## Key facts
- Earnings Releases
  PNC FINANCIAL SERVICES GROUP, INC. reported First Quarter 2026 results: net income $1.8 Billion, EPS $4.13.
  - Period: First Quarter 2026
  - Net income: $1.8 Billion
  - EPS: $4.13
  - Result: reported results
  source text: PNC Reports First Quarter 2026 Net Income of $1.8 Billion, $4.13 Diluted EPS or $4.32 as Adjusted
  evidence_url: https://www.sec.gov/Archives/edgar/data/713676/000071367626000026/0000713676-26-000026-index.htm

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