PNC PNC Financial Services

company

SEC Filings & Insider Trading Activity 2026

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

What are the latest PNC SEC filings in 2026?

PNC Financial Services (PNC) has filed a 10-K annual report on February 20, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 21, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did PNC file its most recent 10-K annual report?

PNC Financial Services (PNC) filed its most recent 10-K annual report on February 20, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view PNC 10-Q quarterly reports?

PNC Financial Services (PNC)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every PNC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has PNC filed recently?

PNC Financial Services (PNC)'s most recent 8-K was filed on July 21, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find PNC insider trading activity (Form 4)?

SignalX aggregates every PNC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does PNC file with the SEC?

PNC Financial Services (PNC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new PNC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for PNC Financial Services (PNC).

What is PNC's SEC CIK number?

PNC Financial Services (PNC)'s SEC CIK (Central Index Key) number is 713676. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 713676 to look up all PNC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find PNC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from PNC Financial Services (PNC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.