Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.
BNYPNC

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...

Why It's Moving

BNY

BNY Mellon Shines Post-Record Q4 as Investors Eye Digital Momentum and Capital Strength

  • Q4 earnings smashed expectations with record revenue, fueled by expanded relationships and efficiency gains from AI initiatives.
  • Active share buybacks at recent prices around $119 underscore confidence in undervaluation and long-term growth potential.
  • Recent $1.55B senior notes issuance bolsters funding flexibility, aligning with Fitch's view of strong capital distribution ahead in 2026.
Sentiment:
🐃Bullish
PNC

PNC Powers Into 2026 with Debt Redemption and Stellar Earnings Momentum.

  • Q4 2025 delivered $7.0 billion full-year net income and $16.59 diluted EPS, generating record revenue with 5% positive operating leverage to kick off the year strong.
  • Completed FirstBank acquisition on January 5, expanding into high-growth Colorado and Arizona markets to boost strategic footprint and client relationships.
  • Proactive redemption of $1.25 billion 4.758% notes today at par eliminates near-term debt maturities, freeing up capital for growth initiatives.
Sentiment:
🐃Bullish

Investment Analysis

BNY

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

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.

Author avatar

Aimee Silverwood | Financial Analyst

July 25, 2025

Read Insight

BNY (BK) Next Earnings Date

The next earnings date for Bank of New York Mellon (BK) is Thursday, April 16, 2026, covering the First Quarter 2026 results. BNY announced this date along with conference call details in their October 31, 2025 press release, with financial results scheduled for release at approximately 6:30 a.m. Eastern time. A live audio webcast will follow at 11:00 a.m. Eastern time.

PNC (PNC) Next Earnings Date

PNC Financial Services Group's next earnings release is scheduled for Friday, January 15, 2027, covering the fourth quarter of 2026. This follows their official announcement of quarterly dates, with pre-market issuance and a conference call at 10 a.m. ET. Q1 2026 results are set for April 15, 2026, providing the subsequent reporting milestone.

Which Baskets Do They Appear In?

UK Banking Consolidation

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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