In the latest of a series of earnings releases from banks, PNC Financial Services (PNC +3.79%) took the wraps off both its fourth-quarter and full-year 2025 figures Friday morning. Thanks to revenue and profitability that both exceeded analyst expectations, PNC's stock was a popular item in the subsequent trading session, and it closed the day nearly 4% higher in value.
Ending 2025 on a high note
PNC delivered record-high revenue, net interest, and fee income for the quarter. The company's top line for the period was $6.1 billion, up 3% year over year. Of this, net interest income was $3.7 billion, representing a 2% improvement.
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Net income in accordance with generally accepted accounting principles (GAAP) was $1.9 billion, or $4.88 per share, up from the year-ago figure of $1.7 billion.
Both headline numbers landed comfortably above the consensus pundit projections. Analysts tracking PNC stock were modeling less than $6 billion for total revenue, and per-share GAAP earnings of only $4.19.
In its earnings press release, PNC quoted longtime CEO Bill Demchak as saying that the bank's growth derived from "strong execution across all business lines."
NYSE: PNC
Key Data Points
Regional powerhouse
That growth also comes from being a prominent regional bank operating in a U.S. economy that, despite numerous challenges, continues to rise.
PNC is one of the better-managed "regionals" on the scene, and, particularly given the recent closing of its acquisition of peer First Bank Holding, I feel those key fundamentals will keep heading north. PNC looks like a good stock to own these days.
