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The PNC Financial Services Group (PNC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
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The PNC Financial Services Group, Inc (PNC - Free Report) reported $6.59 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 10.8%. EPS of $5.09 for the same period compares to $4.35 a year ago.
The reported revenue represents a surprise of -0.23% over the Zacks Consensus Estimate of $6.6 billion. With the consensus EPS estimate being $4.97, the EPS surprise was +2.41%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how The PNC Financial Services Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency ratio: 57% versus the five-analyst average estimate of 56.9%.
Net interest margin: 2.9% compared to the 3% average estimate based on five analysts.
Net charge-offs to average loans: 0.3% versus the five-analyst average estimate of 0.2%.
Book value per common share: $142.17 versus the five-analyst average estimate of $147.34.
Total nonperforming assets: $2.33 billion compared to the $2.31 billion average estimate based on four analysts.
Total interest-earning assets - Average balance: $566.11 billion compared to the $564.21 billion average estimate based on four analysts.
Tier 1 risk-based ratio: 11% compared to the 11.1% average estimate based on three analysts.
Leverage Ratio: 8.9% versus 9% estimated by three analysts on average.
Total nonperforming loans: $2.19 billion versus the three-analyst average estimate of $2.23 billion.
Total capital risk-based: 12.6% versus the two-analyst average estimate of 12.7%.
Total Noninterest Income: $2.36 billion versus $2.34 billion estimated by five analysts on average.
Net interest income (Fully Taxable-Equivalent - FTE) (non-GAAP): $4.23 billion versus the five-analyst average estimate of $4.26 billion.
Shares of The PNC Financial Services Group have returned -6.8% over the past month versus the Zacks S&P 500 composite's +1.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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The PNC Financial Services Group (PNC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
The PNC Financial Services Group, Inc (PNC - Free Report) reported $6.59 billion in revenue for the quarter ended September 2026, representing a year-over-year increase of 10.8%. EPS of $5.09 for the same period compares to $4.35 a year ago.
The reported revenue represents a surprise of -0.23% over the Zacks Consensus Estimate of $6.6 billion. With the consensus EPS estimate being $4.97, the EPS surprise was +2.41%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how The PNC Financial Services Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for The PNC Financial Services Group here>>>
Shares of The PNC Financial Services Group have returned -6.8% over the past month versus the Zacks S&P 500 composite's +1.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.