PNC at a glance
PNC Financial Services (PNC, SEC CIK 713676) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 29, 2026 and Form 4 insider filings as recently as October 5, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), PNC Financial Services (PNC) reported revenue of $23.1 billion (up 7.2% from FY2024) and net income of $6.6 billion. Diluted EPS was $16.59.
- As of June 30, 2026, 61 institutional investment managers tracked by SignalX reported holding PNC Financial Services (PNC) shares worth $42.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Juchno Stacy M. on August 13, 2026 of 3,354 shares at $255.84 per share.
- In the last 90 days, PNC insiders reported 0 open-market purchases ($0) and 2 open-market sales ($1.2M) on Form 4, a net sale of $1.2M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $23.1B
- +7.2% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$1.2M
- 13F holders
- 61 funds
- $42.1B · +0 vs prior quarter
- Latest 8-K
- Sep 29, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Risk Factors
- Regulatory risk from evolving deposit beta assumptions amidst Federal Funds rate changes since Aug 2024, impacting interest rate risk modeling
- Macroeconomic threat of 200 bps interest rate shocks affecting Net Interest Income by +2.0% (increase) and -2.9% (decrease) as of Dec 31, 2025
- Operational exposure from $60.0 billion in interest rate derivatives (receive fixed/pay float swaps) with 2.3 years duration for hedging loan and securities portfolios
- Market disruption risk from private equity investments totaling $5.2 billion with fair value fluctuations influencing Other noninterest income performance
- Financial risk due to unfunded tax credit investment commitments of $3.4 billion included in Other liabilities at Dec 31, 2025
Business Overview
- Core business: diversified financial services including retail and corporate banking, asset management, and wealth management
- No new products or segments introduced; emphasis on equity compensation plans with 5.5 million securities issuable under options and 8.9 million shares available for future issuance
- Continued strategic focus on shareholder value through equity compensation, no significant shift in competitive positioning disclosed
- Equity compensation plans with 4.7 million restricted stock units and 0.8 million performance share units outstanding under 2016 Incentive Plan
- 4.1 million shares available under Employee Stock Purchase Plan, indicating active employee equity participation efforts this year
Management Discussion & Analysis
- Revenue: Net interest income $14,527M in 2025, up $897M YoY from $13,630M in 2024
- Profitability: Net interest margin 2.83% in 2025 vs 2.66% in 2024
- Segment performance: Loans portfolio generated $18,569M interest income in 2025 vs $19,456M in 2024, commercial and industrial loans best at $10,756M, commercial real estate worst at $1,908M
- Capital allocation: Equity $57,104M in 2025, tangible book value per share $112.51 vs $95.33 in 2024, no explicit buyback or dividend amounts disclosed
- Outlook: Management expects slower 2026 GDP growth at 0.5%-2.0%, unemployment ~5.1%, forecast stable Fed funds rate range 3.50%-3.75% H1 2026 with 25 bp cuts in H2; risks from tariffs, inflation, recession possibility
AI summary of the PNC 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Total revenue $6.9B, up $710M or 12% versus Q1 2026; YoY quarterly revenue unavailable
- Net interest margin 2.96% vs 2.95% Q1; six-month margin 2.96% vs 2.79% YoY
- Best fee line capital markets and advisory $577M, up 25% sequentially; weakest residential and commercial mortgage $144M
- Capital returned $1.3B, including $0.7B dividends and $0.6B repurchases; borrowed funds rose 50% to $85.7B
- Q3 guidance: loans up 1%–2%, net interest income up 3%–3.5%, fee income down 5%–5.5%; oil prices and inflation remain headwinds
Risk Factors
- No risk-factors section provided; submitted text covers equity repurchases, exhibits, corporate information, and dividend policy
- Regulatory capital risk: SCB maintained at regulatory minimum of 2.5% through September 30, 2027
- Market risk: Share repurchases may change with market and economic conditions
- Capital-return risk: Approximately 29% of 100 million authorized repurchase shares remained available at June 30, 2026
- Dividend risk: Future dividends subject to Federal Reserve capital adequacy and CCAR assessments
AI summary of the PNC 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- PNC will redeem all 525,000 Series S depositary shares for $525 million on November 2, 2026
- Redemption price $1,000 per depositary share, excluding declared but unpaid dividends
Item 8.01: Other Events
- PNC issued Notes through underwritten offerings under its existing 2012 Indenture, as supplemented in 2021
- Prospectus supplement dated July 16, 2026 provides offering terms and is incorporated into the Registration Statement
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 earnings and business results released July 15, 2026
- Supplementary financial information furnished as Exhibit 99.2 for investor review
AI summaries of PNC 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for PNC
Don't miss the next PNC filing
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| HARSHMAN RICHARD J | A | Oct 1, 2026 | 30 | $220.75 |
| Dachille Douglas A. | A | Oct 1, 2026 | 30 | $220.75 |
| CAFARO DEBRA A | A | Oct 1, 2026 | 119 | $220.75 |
| NIBLOCK ROBERT A | A | Oct 1, 2026 | 59 | $220.75 |
| Feldstein Andrew T | A | Oct 1, 2026 | 176 | $220.75 |
| Khator Renu | A | Oct 1, 2026 | 119 | $220.75 |
| Salesky Bryan Scott | A | Oct 1, 2026 | 119 | $220.75 |
| HESSE DANIEL | A | Oct 1, 2026 | 65 | $220.75 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $21.5B | $21.6B | $23.1B | |
| Net Income | $5.1B | $5.5B | $6.6B | |
| Net Margin | 23.9% | 25.5% | 28.5% | |
| Balance Sheet | ||||
| Total Assets | $561.6B | $560.0B | $573.6B | |
| Equity | $51.1B | $54.4B | $60.6B | |
| ROE | 10.0% | 10.1% | 10.9% | |
| Per Share | ||||
| EPS | $12.79 | $13.74 | $16.59 | |
| Cash Flow | ||||
| Operating CF | $10.1B | $7.9B | $4.4B | |
Source: XBRL data in PNC Financial Services (PNC)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate PNC share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 61 | $42.06B |
| Q1 2026 | 61 | $35.47B |
| Q4 2025 | 56 | $35.19B |
| Q3 2025 | 57 | $37.33B |
| Q2 2025 | 56 | $33.18B |
| Q1 2025 | 53 | $24.87B |
| Q4 2024 | 50 | $22.78B |
| Q3 2024 | 43 | $11.66B |
- Goldman Sachs Group+2.47M (+86%)
- Vanguard Portfolio Management LLC+842.9K (+9%)
- State Street Corp+765.1K (+4%)
- Wells Fargo & Co+717.6K (+13%)
- Millennium Management+564.3K (+443%)
- FMR LLC (Fidelity)−1.43M (-9%)
- Invesco Ltd−586.2K (-12%)
- Two Sigma Investments−328.7K (-90%)
- Citadel Advisors LLC−225.4K (-23%)
- AQR Capital Management−216.5K (-5%)
- Viking Global Investors−3.03M
Source: 13F-HR filings on SEC EDGAR (aggregated from 437 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
PNC filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 4 | Oct 5, 2026 | - | - | - |
| 8-K | Sep 29, 2026 | - | Analysis | - |
| 4 | Aug 14, 2026 | - | - | - |
| SC 13G | Aug 7, 2026 | - | - | |
| SC 13G | Aug 7, 2026 | - | - | |
| 13F-HR | Aug 7, 2026 | Jun 30, 2026 | - | |
| SC 13G | Aug 7, 2026 | - | - | |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 24, 2026 | - | - | - |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
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PNC SEC filings: frequently asked questions
Are PNC insiders buying or selling?
In the last 90 days, PNC Financial Services (PNC) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $1.2 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold PNC stock?
As of June 30, 2026, the largest PNC Financial Services (PNC) holders among the 13F filers tracked by SignalX were BlackRock ($7.9 billion), Vanguard Capital Management LLC ($6.5 billion), State Street Corp ($4.5 billion), FMR LLC (Fidelity) ($3.5 billion), Vanguard Portfolio Management LLC ($2.6 billion). 13F-HR reports are filed up to 45 days after each quarter ends.
What was PNC's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), PNC Financial Services (PNC) reported revenue of $23.1 billion (up 7.2% from FY2024) and net income of $6.6 billion. Diluted EPS was $16.59. The figures come from the XBRL data in the 10-K.
What are the main risks in PNC's latest 10-K?
In the 10-K filed February 20, 2026, PNC Financial Services (PNC) flagged: Regulatory risk from evolving deposit beta assumptions amidst Federal Funds rate changes since Aug 2024, impacting interest rate risk modeling. Macroeconomic threat of 200 bps interest rate shocks affecting Net Interest Income by +2.0% (increase) and -2.9% (decrease) as of Dec 31, 2025. (AI summary of the Risk Factors section.)
What did PNC report in its latest 8-K?
PNC Financial Services (PNC) filed an 8-K on September 29, 2026 reporting Item 8.01 (Other Events). PNC will redeem all 525,000 Series S depositary shares for $525 million on November 2, 2026.
What are the latest PNC SEC filings?
PNC Financial Services (PNC) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 29, 2026 and a Form 4 insider filing on October 5, 2026.
What is PNC's SEC CIK number?
PNC Financial Services (PNC)'s SEC Central Index Key (CIK) is 713676. EDGAR lists every PNC filing under that number.
Ask anything about PNC
The research agent reads PNC's filings, financials, insider trades and 13F holders, then answers with sources.