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How PNC Financial Services (PNC) makes money: Q2 2026 revenue breakdown
US GAAP · $M · vs Q2 2025 · reported 07/15/2026
PNC Financial Services — The PNC Financial Services Group, Inc. is an American bank holding company and financial services corporation based in Pittsburgh, Pennsylvania. · Wikipedia
More about the company
Its banking subsidiary, PNC Bank, operates in 27 states and the District of Columbia, with 2,629 branches and 9,523 ATMs. PNC Bank is one of the largest banks in the US by assets and by number of branches, deposits, and ATMs.
Key growth driver: Net Interest Income — the fastest-growing revenue line: $4,107, +16% y/y. · by the Q2 2026 report
How does PNC Financial Services make money?
PNC Financial Services brought in $6.88 billion of revenue in Q2 2026, up 21% year over year. The largest source was Net Interest Income: $4.11 billion, or 60% of the total, followed by Fee Income ($2.28B, 33%); other lines add the remaining 7%. Net income for the quarter was $2.06 billion, up 25% year over year.
Revenue by source, Q2 2026
- Net Interest Income$4.11B · 60% · +16%
- Fee Income$2.28B · 33% · +20%
- Other Noninterest Income$489M · 7% · +131%
Shares of $6.88B total revenue; changes are year over year, as reported. ≈ marks lines derived from disclosed totals. The same flows are drawn in the Sankey chart below.
When is PNC’s next earnings date?
Thursday, October 15, 2026confirmed · before market open
PNC Financial Services (PNC) is scheduled to report results for the quarter ending Sep 2026 on Oct 15, 2026. Consensus EPS forecast: $4.97 (8 analysts), vs $4.35 in the same quarter last year.
What time does PNC report? Usually before market open: the last 4 results releases reached the SEC at 6:40 am, 6:39 am, 6:37 am, 11:32 am ET.
Last report: Jul 15, 2026 (Q2 2026) — broken down in the Sankey chart below. Dates and consensus: Nasdaq / Zacks Investment Research; companies do reschedule. Who else reports this week →
All figures in $M.
Revenue
$6,875
+21%
Net income
$2,055
+25%
Diluted EPS $4.81 · adjusted $4.85
Verdict: a record-revenue quarter — net interest income and fees both at all-time highs drove EPS up 25% y/y even while absorbing a $140M Foundation contribution and FirstBank integration costs; credit costs are falling and the dividend was raised 18%.
NIM 2.96% · ROTCE 17.9% · CET1 9.9% · avg loans $363B (+4% q/q) · avg deposits $457B · $1.3B returned to shareholders incl. $0.6B buybacks · dividend +18% to $2.00/sh.
Source and notation
* marks non-cash / ≈ estimated. Bank P&L scheme: revenue = NII + fees; expenses and credit provisions against it. Source: PNC press release, 8-K EX-99.1 (SEC EDGAR).
Open the chart as a PNG image ↗ · for sharing and presentations · free to reuse, CC BY 4.0
PNC earnings history: past report dates
| Jul 15, 2026 Wed | 6:40 ambefore market open | Jun 30, 2026 | $6.9B+21% y/y | $4.81+25% y/y |
| Apr 15, 2026 Wed | 6:39 ambefore market open | Mar 31, 2026 | $6.2B+13% y/y | $4.13+18% y/y |
| Jan 16, 2026 Fri | 6:37 ambefore market open | Dec 31, 2025 | ≈$6.1B+9% y/y | ≈$4.88+30% y/y |
| Oct 15, 2025 Wed | 6:39 ambefore market open | Sep 30, 2025 | $5.9B+9% y/y | $4.35+25% y/y |
| Jul 16, 2025 Wed | 6:41 ambefore market open | Jun 30, 2025 | $5.7B+5% y/y | $3.85+14% y/y |
| Apr 15, 2025 Tue | 6:46 ambefore market open | Mar 31, 2025 | $5.5B+6% y/y | $3.51+13% y/y |
| Jan 16, 2025 Thu | 6:32 ambefore market open | Dec 31, 2024 | ≈$5.6B+4% y/y | ≈$3.76+103% y/y |
| Oct 15, 2024 Tue | 6:44 ambefore market open | Sep 30, 2024 | $5.4B+4% y/y | $3.49−3% y/y |
How we count
Report date and time — when the company filed its results press release with the SEC (Form 8-K, Item 2.02); the regular session runs 9:30 am – 4:00 pm ET. Revenue and diluted EPS — the company’s XBRL filings, EPS adjusted for stock splits; ≈ — fourth quarter derived as full year minus three quarters. Source: SEC EDGAR.
PNC Financial Services: 5-year financials
| 2025 | 23,099 | 6,576 | 2,635 |
| 2024 | 21,555 | 5,496 | 2,537 |
| 2023 | 21,490 | 5,126 | 2,461 |
| 2022 | 21,120 | 5,708 | 2,391 |
| 2021 | 19,211 | 5,409 | 2,056 |
$ millions, annual 10-K reports on SEC EDGAR (US GAAP).
How we calculate
Figures are the annual report lines as filed, no adjustments. Free cash flow is operating cash flow minus capital expenditures; dividends are cash paid to common shareholders during the year. “—” means the line isn’t in the filing.
Corporate governance
2/2good
How the company treats minority shareholders: 2 — well, 0 — systematically poorly.
More
- Mar 20262026 proxy: each PNC common share carries one vote; the company has no dual-class common stock. sec.gov ↗
- Feb 2026Diluted weighted average shares fell 7.3% over 2020–2025; 6.8M shares repurchased in 2025. data.sec.gov ↗
- Feb 2026Declared dividend rose from $4.80 (2021) to $6.60 per share (2025) with no cuts. data.sec.gov ↗
- Feb 2026The Legal Proceedings section (Note 20) of the 2025 10-K covers Visa interchange litigation and regulatory inquiries; no shareholder class actions or SEC disclosure cases. sec.gov ↗
Scoring: 2.0 with no deductions = 2.0 (single class of common stock with one vote per share, diluted shares −7.3% over 5 years, dividend never cut and rising, no shareholder lawsuits or SEC disclosure cases)
- Share classes
- One voting common share (one vote); the proxy states explicitly there is no dual class; preferred series are ordinary debt-like preferreds with no control rights.
- Dilution
- Diluted shares −7.3% over 2020–2025 (XBRL); BBVA USA acquired for cash; SBC immaterial for a bank — no deduction.
- Disclosure
- Full 10-K/10-Q reporting, no violations.
- Dividends
- Dividend not cut even in 2020; declared $4.80 (2021) → $6.60 (2025) per share; buybacks within the Fed's SCB framework.
- Lawsuits & regulators
- The Legal Proceedings note in the 2025 10-K covers Visa/Mastercard antitrust (interchange) cases and consumer/regulatory matters; no shareholder disclosure suits or SEC cases.
- Related parties
- Related-party transaction policy in place; no material transactions with management or major shareholders in the 2026 proxy.
How the score works · checked as of Sep 2026
PNC Financial Services (PNC) earnings: FAQ
How does PNC Financial Services make money?
PNC Financial Services brought in $6.88 billion of revenue in Q2 2026, up 21% year over year. The largest source was Net Interest Income: $4.11 billion, or 60% of the total, followed by Fee Income ($2.28B, 33%); other lines add the remaining 7%. Net income for the quarter was $2.06 billion, up 25% year over year.
When is PNC's next earnings date?
PNC Financial Services (PNC) is scheduled to report on Oct 15, 2026, before market open.
What time does PNC report earnings?
PNC Financial Services is scheduled to report before market open on Oct 15, 2026. Its last results releases were filed before market open, most recently at 6:40 am ET on Jul 15, 2026.
When did PNC last report earnings?
PNC Financial Services reported Q2 2026 results on Jul 15, 2026.
What is the EPS estimate for PNC's next earnings?
The consensus EPS forecast is $4.97 (8 analysts), vs $4.35 in the same quarter last year.
Where can I find PNC Financial Services's financial statements?
On SEC EDGAR: quarterly reports (10-Q), the annual report (10-K) and earnings releases (8-K). The “Verified” badge next to the chart links to PNC's filings; this page breaks the latest report down in a Sankey chart.
What was PNC's net income in Q2 2026?
PNC Financial Services reported net income of $2,055M for Q2 2026 (+25% year over year), under US GAAP.
Does PNC Financial Services pay dividends?
Yes. In 2025, PNC Financial Services paid $2,635M in dividends on its common stock, per its 10-K. Earlier years are in the five-year table above.
New to earnings reports? Start with how to read an earnings report.
How this page was made: the figures come from the company's own report on SEC EDGAR; the summary and nuances were drafted by our model from that report. Figures checked against the filing on 08/26/2026. How we make the breakdowns · Report an error
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