Summary
PNCF Chart
PNC Financial Q1: 2025 Guidance Reaffirmed; Stock Undervalued
PNC Financial reported Q1 earnings with a slight revenue miss but a 12-cent EPS beat, showing 13.2% YoY growth despite a -6.9% QoQ decline. Management reaffirmed guidance for modest loan growth and net interest income increase but flagged potential tariff impacts on non-interest income. PNC's stock is undervalued, trading at 1.4x price-to-tangible book value, with a 4.20% dividend yield.
The PNC Financial Services Group, Inc. (PNC) Q1 2025 Earnings Call Transcript
The PNC Financial Services Group, Inc. (NYSE:PNC ) Q1 2025 Earnings Conference Call April 15, 2025 10:00 AM ET Company Participants Bryan Gill - EVP and Director of IR Bill Demchak - Chairman and CEO Rob Reilly - EVP and CFO Conference Call Participants John Pancari - Evercore Bill Carcache - Wolfe Research Betsy Graseck - Morgan Stanley Scott Siefers - Piper Sandler Ebrahim Poonawala - Bank of America Mike Mayo - Wells Fargo Ken Usdin - Autonomous Research Erika Najarian - UBS Gerard Cassidy - RBC Capital Markets John McDonald - Truist Securities Matt O'Connor - Deutsche Bank Operator Greetings, and welcome to The PNC Financial Services Group First Quarter 2025 Earnings Conference Call. At this time all participants are in a listen-only mode.
PNC Financial Q1 Earnings Top Estimates on Rise in NII & Fee Income
PNC's first-quarter 2025 results reflect a rise in fee income and NII. Yet, increased expenses act as headwinds.
PNC Financial Services Group, Inc. Dividends
 PNC 2 weeks ago Announced | Quarterly | $1.6 Per Share |
| PNC 3 months ago Paid | Quarterly | $1.6 Per Share |
| PNC 6 months ago Paid | Quarterly | $1.6 Per Share |
| PNC 9 months ago Paid | Quarterly | $1.6 Per Share |
| PNC 12 Apr 2024 Paid | Quarterly | $1.55 Per Share |
PNC Financial Services Group, Inc. Earnings
| 15 Apr 2025 Date | | - Cons. EPS | - EPS |
| 16 Jan 2025 Date | | 3.26 Cons. EPS | 3.96 EPS |
| 15 Oct 2024 Date | | 3.3 Cons. EPS | 3.75 EPS |
| 16 Jul 2024 Date | | 2.98 Cons. EPS | 3.3 EPS |
| 24 Apr 2024 Date | | 3.01 Cons. EPS | 3.36 EPS |
| PNC 2 weeks ago Announced | Quarterly | $1.6 Per Share |
| PNC 3 months ago Paid | Quarterly | $1.6 Per Share |
| PNC 6 months ago Paid | Quarterly | $1.6 Per Share |
| PNC 9 months ago Paid | Quarterly | $1.6 Per Share |
| PNC 12 Apr 2024 Paid | Quarterly | $1.55 Per Share |
| 15 Apr 2025 Date | | - Cons. EPS | - EPS |
| 16 Jan 2025 Date | | 3.26 Cons. EPS | 3.96 EPS |
| 15 Oct 2024 Date | | 3.3 Cons. EPS | 3.75 EPS |
| 16 Jul 2024 Date | | 2.98 Cons. EPS | 3.3 EPS |
| 24 Apr 2024 Date | | 3.01 Cons. EPS | 3.36 EPS |
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PNC Financial Services Group, Inc. Profile
| Banks - Regional Industry | Financial Services Sector | Mr. William S. Demchak CEO | XWBO Exchange | US6934751057 ISIN |
| US Country | 54,813 Employees | 16 Apr 2025 Last Dividend | 16 Nov 1992 Last Split | 7 Sep 1988 IPO Date |
Overview
The PNC Financial Services Group, Inc. is a leading diversified financial services corporation based in the United States, with a rich heritage dating back to 1852. Headquartered in Pittsburgh, Pennsylvania, PNC provides a wide range of financial products and services across its three main segments: Retail Banking, Corporate & Institutional Banking, and Asset Management Group. Catering to the financial needs of individuals, small businesses, mid-sized and large corporations, as well as government and not-for-profit entities, PNC is committed to delivering customer-focused banking solutions through a mix of branches, digital platforms, ATMs, and telephonic customer support.
Products and Services
PNC's extensive portfolio of financial products and services is designed to meet the diverse needs of its clients, segmented into the following categories:
- Retail Banking:
This segment provides essential banking services to consumer and small business customers. Offered products include:
- Checking, savings, and money market accounts along with time deposits for everyday banking and savings needs.
- Residential mortgages, home equity loans and lines of credit, auto loans, credit cards, and education loans, catering to personal finance requirements.
- Personal and small business loans and lines of credit to support entrepreneurship and personal needs.
- Brokerage, insurance, and investment and cash management services for wealth management and investment purposes.
- Corporate & Institutional Banking:
Targeted at mid-sized and large corporations, and government and not-for-profit entities, this segment offers:
- Secured and unsecured loans, letters of credit, and equipment leases for corporate financing.
- Cash and investment management, receivables and disbursement management, and funds transfer services for comprehensive treasury management.
- Securities underwriting, loan syndications, and advisory services in mergers, acquisitions, and equity capital markets to support corporate strategies.
- Commercial loan servicing and technology solutions aiding in operational efficiency.
- Asset Management Group:
Serving high net worth and ultra-high net worth individuals, their families, and institutional clients, this segment provides:
- Investment and retirement planning, customized investment management, for personal wealth preservation and growth.
- Credit and cash management solutions, and trust management and administration to manage complex financial needs and legacy planning.
- Outsourced chief investment officer, custody, and private real estate services for comprehensive asset management.
- Cash and fixed income client solutions, and retirement plan fiduciary investment services for institutional clients’ specific needs.
Contact Information
