{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-001669","form_type":"8-K","ticker":"PNC","cik":"0000713676","company_name":"PNC FINANCIAL SERVICES GROUP, INC.","filed_at":"2025-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.148491+00:00","generated_at":"2026-05-28T00:35:00.147187+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"PNC reports FY2024 net income $6.0B, diluted EPS $13.74, up 7.4% YoY","bullets":["Full year net income $5,953M ($13.74 diluted EPS) vs $5,647M ($12.79) in 2023.","Q4 net income $1,627M ($3.77 diluted EPS), up 8% from $1,505M ($3.49) in Q3 2024.","Q4 net interest margin expanded 11 bps to 2.75%; average deposits up $3.1B vs Q3.","CET1 capital ratio 10.5% at year-end; $0.2B of common shares repurchased in Q4.","Full year net charge-offs $1,041M (0.33% of avg loans) vs $710M (0.22%) in 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-001669","json":"https://secwatch.observer/filing/0001628280-25-001669.json","markdown":"https://secwatch.observer/filing/0001628280-25-001669.md","text":"https://secwatch.observer/filing/0001628280-25-001669.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/713676/000162828025001669/0001628280-25-001669-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/713676/000162828025001669/pnc-20250116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T00:35:00.147187+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}