Over the past two years, large banks have seen a major boost to earnings, through the release of loan loss reserves. "With reserve releasing coming to an end, margins compressing and mortgage banking less active next year," McEvoy said that "a growing list of regional banks that are now expected to report negative year-over-year growth in earnings in 2013," including Fifth Third ( FITB), Huntington Bancshares ( HBAN), Comerica ( CMA), KeyCorp ( KEY), and Cullen/Frost Banker ( CFR). McEvoy estimates that PNC will earn $5.62 a share for all of 2012, followed by 2013 EPS of $6.50. PNC data by YCharts Interested in more on PNC Financial Services Group? See TheStreet Ratings' report card for this stock.