BNY vs PNC
BNY vs PNC: this page compares the banks’ business models, financial performance, and market context in a clear, neutral way. It explains strategies, operations, and sector positioning to help readers understand similarities and differences without offering recommendations. Educational content, not financial advice.
BNY vs PNC: this page compares the banks’ business models, financial performance, and market context in a clear, neutral way. It explains strategies, operations, and sector positioning to help readers...
Why It's Moving
Bank of New York Mellon Faces Pressure Amid Broader Banking Sector Dividend Moves and Market Volatility
- Bank of America declared regular preferred stock dividends payable February-March 2026 across multiple series, reinforcing confidence in payout stability for banking peers like BK.
- BofA announced full redemption of Series DD preferred stock on March 10 at $1,000 per depositary share plus $31.50 dividend, highlighting active balance sheet optimization.
- BK stock tumbled 2.78% on February 12 to close at $53.85, tracking Bank of America strategists' view that easy market leadership is fading amid ongoing volatility.
PNC Kicks Off 2026 with Fresh Product Launches and Economic Insights as Momentum Builds from Strong 2025 Finish.
- PNC unveiled its Premier Client offering on Feb 11, integrating banking and investing for clients over $100K via a national network and 200 upgraded branches, targeting the mass affluent segment.
- Launched Monthly Consumer Health Check on Feb 13, providing timely spending and economy insights to guide businesses, investors, and households amid shifting conditions.
- Oppenheimer spotlighted organic tailwinds from Q4 profit beat, 41% capital markets revenue surge on M&A boom, and 6% NII growth, amplified by the Jan 5 FirstBank deal adding $23B in deposits.
Bank of New York Mellon Faces Pressure Amid Broader Banking Sector Dividend Moves and Market Volatility
- Bank of America declared regular preferred stock dividends payable February-March 2026 across multiple series, reinforcing confidence in payout stability for banking peers like BK.
- BofA announced full redemption of Series DD preferred stock on March 10 at $1,000 per depositary share plus $31.50 dividend, highlighting active balance sheet optimization.
- BK stock tumbled 2.78% on February 12 to close at $53.85, tracking Bank of America strategists' view that easy market leadership is fading amid ongoing volatility.
PNC Kicks Off 2026 with Fresh Product Launches and Economic Insights as Momentum Builds from Strong 2025 Finish.
- PNC unveiled its Premier Client offering on Feb 11, integrating banking and investing for clients over $100K via a national network and 200 upgraded branches, targeting the mass affluent segment.
- Launched Monthly Consumer Health Check on Feb 13, providing timely spending and economy insights to guide businesses, investors, and households amid shifting conditions.
- Oppenheimer spotlighted organic tailwinds from Q4 profit beat, 41% capital markets revenue surge on M&A boom, and 6% NII growth, amplified by the Jan 5 FirstBank deal adding $23B in deposits.
Investment Analysis
BNY
BK
Pros
- BNY Mellon reported a 9% year-over-year revenue increase to $5.1 billion in Q3 2025 with a 25% surge in earnings per share, demonstrating strong operational performance.
- Efficiency improved as expenses rose only 4%, resulting in a 493 basis points operating leverage gain and a pre-tax margin expansion to 36%.
- Return on Equity increased to 13.7% and Return on Tangible Common Equity rose to 25.6%, highlighting enhanced profitability and capital efficiency.
Considerations
- Despite strong results, BNY Mellon’s stock price declined slightly after earnings, indicating possible investor caution amid broader economic uncertainties.
- The company’s net interest income growth forecast of 12% is accompanied by expected expense increases of about 3%, which may pressure net margins.
- BNY Mellon’s stock trades with a forward price-to-earnings ratio around 13.5, which may reflect limited upside given current valuation multiples.
PNC
PNC
Pros
- PNC Financial achieved an 8.9% revenue increase year-over-year with Q3 2025 quarterly EPS of $4.35, surpassing analyst estimates significantly.
- The firm maintains a healthy net margin of 19.3% and a solid return on equity of 11.47%, indicating strong profitability metrics.
- Market capitalization above $70 billion with a price-to-earnings growth ratio of 1.26 suggests reasonable valuation relative to growth prospects.
Considerations
- PNC’s debt-to-equity ratio of 1.06 and liquidity ratios below 1 (current and quick ratios at 0.81) indicate moderate leverage and potential short-term liquidity constraints.
- The PNC stock price has shown volatility with a 12-month range between $145 and $216, reflecting cyclical and market-sensitive risks.
- Earnings growth, while solid, is somewhat reliant on economic conditions that could be impacted by interest rate changes and regulatory shifts.
Related Market Insights
Santander's £2.65bn TSB Deal: The UK Banking Shake-Up That Changes Everything
Santander's £2.65 billion acquisition of TSB creates the UK's third-largest retail bank, reshaping competitive dynamics and potentially triggering further consolidation across the sector.
Aimee Silverwood | Financial Analyst
July 25, 2025
Related Market Insights
Santander's £2.65bn TSB Deal: The UK Banking Shake-Up That Changes Everything
Santander's £2.65 billion acquisition of TSB creates the UK's third-largest retail bank, reshaping competitive dynamics and potentially triggering further consolidation across the sector.
Aimee Silverwood | Financial Analyst
July 25, 2025
BNY (BK) Next Earnings Date
I appreciate the detailed instructions, but I need to clarify an important issue: the search results provided are for Bank of America (BAC), not BK. BK typically refers to The Bank of New York Mellon Corporation, which is a different financial institution. Based on the search results available, I can only provide information about Bank of America's next earnings date, which is April 15, 2026, and will cover Q1 2026 results. The earnings announcement is scheduled for before market open at approximately 6:45 a.m. ET. To answer your question accurately about BK's earnings date and analyst consensus, I would need search results specific to The Bank of New York Mellon Corporation rather than Bank of America.
PNC (PNC) Next Earnings Date
PNC's next earnings date is Wednesday, April 15, 2026, covering the first quarter of 2026 and scheduled for pre-market release with a conference call at 10 a.m. ET. This date follows the company's official announcement of its 2026 quarterly schedule, positioning it as the most authoritative source ahead of the current date. Investors should monitor investor relations for any updates prior to the event.
BNY (BK) Next Earnings Date
I appreciate the detailed instructions, but I need to clarify an important issue: the search results provided are for Bank of America (BAC), not BK. BK typically refers to The Bank of New York Mellon Corporation, which is a different financial institution. Based on the search results available, I can only provide information about Bank of America's next earnings date, which is April 15, 2026, and will cover Q1 2026 results. The earnings announcement is scheduled for before market open at approximately 6:45 a.m. ET. To answer your question accurately about BK's earnings date and analyst consensus, I would need search results specific to The Bank of New York Mellon Corporation rather than Bank of America.
PNC (PNC) Next Earnings Date
PNC's next earnings date is Wednesday, April 15, 2026, covering the first quarter of 2026 and scheduled for pre-market release with a conference call at 10 a.m. ET. This date follows the company's official announcement of its 2026 quarterly schedule, positioning it as the most authoritative source ahead of the current date. Investors should monitor investor relations for any updates prior to the event.
Which Baskets Do They Appear In?
UK Banking Consolidation
Santander's £2.65 billion acquisition of TSB is reshaping the UK banking sector. This collection features companies positioned to benefit from this major consolidation, including direct competitors, potential M&A targets, and the investment banks facilitating these industry-changing deals.
Published: July 2, 2025
Explore BasketWhich Baskets Do They Appear In?
UK Banking Consolidation
Santander's £2.65 billion acquisition of TSB is reshaping the UK banking sector. This collection features companies positioned to benefit from this major consolidation, including direct competitors, potential M&A targets, and the investment banks facilitating these industry-changing deals.
Published: July 2, 2025
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