PNC is a Pittsburgh-based bank running 2,591 branches and 9,502 ATMs, offering everyday checking, mortgages, and business loans across the US—think of it as a financial department store for Main Street and mid-sized companies.
Money comes from net interest income on loans and deposits, plus fees from wealth management and corporate services. Net margin hit 24.97% TTM, with 2025 revenue of USD 31.34B and net income of USD 6.94B—recurring, spread-driven earnings.
PNC's 2,591-branch network and 9,502 ATMs create switching costs for retail customers, but digital-only banks like Chime and Ally Financial are undercutting on fees and rates, eroding the physical footprint advantage.
Hold (sector percentile 31) — value B-, growth C-, profitability B+, momentum B, revisions D. Updated daily, sector-relative, identical for every user.
Key events, in time order
Multiple firms raise forecasts on strong results; RBC lifts PT
Q2 net income $2.1B, EPS $4.81; record revenue; dividend raised 18% to $2.00
Net income of $2.1 billion or $4.81 per diluted share in Q2 2026, with adjusted diluted EPS of $4.85 after $0.04 reduction from integration costs and significant items
Redemption of all 5.102% fixed/floating senior notes due 2027, set for July 23, 2026
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