How to Trade PNC After Q4 and Full-Year 2025 Earnings Performance
Founded in 1852 and headquartered in Pittsburgh, Pennsylvania, PNC Financial Services Group, Inc. (NYSE: PNC) is one of the largest diversified financial services institutions in the United States. At its core, the company offers a broad range of retail and business banking services, including deposit accounts and a full range of lending products.
Beyond traditional banking, PNC serves corporations and government entities with specialised services, such as corporate banking, real estate finance, and asset-based lending. The firm also offers wealth management and asset management solutions to its clients.
PNC recently reported its fourth-quarter and full-year 2025 earnings. Here’s a closer look at the performance and what analysts are forecasting for the stock.
This material is for informational purposes only and not financial advice. Consult a financial advisor before making investment decisions.
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PNC Financials' Q4 2025 Earnings Performance Summary
Key Takeaways
- PNC delivered solid top-line growth in Q4 2025, with total revenue rising 3% quarter on quarter and 9% year on year, driven by strength in both net interest income and non-interest income.
- Net interest income increased 2% QoQ and 6% YoY, supported by lower funding costs, continued loan growth, and benefits from fixed-rate asset repricing.
- Average loans grew 1% QoQ in Q4, led by expansion in commercial and industrial lending. Average consumer loans were stable as growth in both the auto and credit card loan portfolios was offset by declines in residential real estate loans.
- Credit quality showed some pressure in Q4, with non-performing loans rising 4% QoQ.
- PNC declared a $1.70 quarterly dividend payable in February 2026.
- Management outlook for FY26 points to accelerating growth, with guidance calling for ~11% total revenue growth, ~14% net interest income growth, and ~400 basis points of positive operating leverage, inclusive of the recently completed FirstBank acquisition, which meaningfully expands PNC’s asset and deposit base.
PNC’s 12-Month Analyst Stock Price Forecast
According to 13 Wall Street analysts, polled by TipRanks, offering a 12-month stock price forecast for PNC over the past 3 months:
- Buy Ratings: 9
- Hold Ratings: 3
- Sell Ratings: 1
- Average Price Target: $247.25
- High Price Target: $284.00
- Low Price Target: $201.00
Trading Strategy Example: PNC
The following trading examples are for educational purposes only and do not constitute investment advice. Investors should conduct independent research before making trading decisions. An example trading idea for the PNC share price could be as follows:
Remember, PNC’s performance is closely tied to the interest rate environment. While recent results benefited from lower funding costs and asset repricing, faster-than-expected rate cuts could pressure net interest margins and slow earnings growth. Furthermore, with the stock trading near its all-time high, it could also experience short-term pullbacks.
How to Buy PNC Stock in 4 Steps
- Open an account with Admiral Markets and complete the onboarding process to access the dashboard.
- Click on Trade or Invest on one of your live or demo accounts to open the web platform.
- Search for your stock in the search window at the top.
- Input your entry, stop-loss and take profit levels in the trading ticket.
Do You See the PNC Stock Price Moving Differently?
If you believe there is a higher chance that the share price of PNC will move lower, then you can also trade short using CFDs (Contracts for Difference). However, these have higher associated risks and are not suitable for all investors. Learn more about CFDs in this How to Trade CFDs article.
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