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PNC Financial Services Group (The) Earnings Calls
| Release date | Apr 15, 2026 |
| EPS estimate | $3.93 |
| EPS actual | $4.13 |
| EPS Surprise | 5.09% |
| Revenue estimate | 6.244B |
| Revenue actual | 6.166B |
| Revenue Surprise | -1.25% |
| Release date | Jan 16, 2026 |
| EPS estimate | $4.23 |
| EPS actual | $4.88 |
| EPS Surprise | 15.37% |
| Revenue estimate | 5.958B |
| Revenue actual | 6.071B |
| Revenue Surprise | 1.89% |
| Release date | Oct 15, 2025 |
| EPS estimate | $4.05 |
| EPS actual | $4.35 |
| EPS Surprise | 7.41% |
| Revenue estimate | 5.829B |
| Revenue actual | 5.915B |
| Revenue Surprise | 1.48% |
| Release date | Jul 16, 2025 |
| EPS estimate | $3.55 |
| EPS actual | $3.85 |
| EPS Surprise | 8.45% |
| Revenue estimate | 5.607B |
| Revenue actual | 5.661B |
| Revenue Surprise | 0.97% |
Last 4 Quarters for PNC Financial Services Group (The)
Below you can see how PNC performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 16, 2025 |
| Price on release | $193.93 |
| EPS estimate | $3.55 |
| EPS actual | $3.85 |
| EPS surprise | 8.45% |
| Date | Price |
|---|---|
| Jul 10, 2025 | $197.95 |
| Jul 11, 2025 | $197.02 |
| Jul 14, 2025 | $197.39 |
| Jul 15, 2025 | $192.14 |
| Jul 16, 2025 | $193.93 |
| Jul 17, 2025 | $195.99 |
| Jul 18, 2025 | $196.52 |
| Jul 21, 2025 | $196.03 |
| Jul 22, 2025 | $196.78 |
| 4 days before | -2.03% |
| 4 days after | 1.47% |
| On release day | 1.06% |
| Change in period | -0.591% |
| Release date | Oct 15, 2025 |
| Price on release | $182.34 |
| EPS estimate | $4.05 |
| EPS actual | $4.35 |
| EPS surprise | 7.41% |
| Date | Price |
|---|---|
| Oct 09, 2025 | $190.67 |
| Oct 10, 2025 | $183.95 |
| Oct 13, 2025 | $186.92 |
| Oct 14, 2025 | $189.73 |
| Oct 15, 2025 | $182.34 |
| Oct 16, 2025 | $178.37 |
| Oct 17, 2025 | $179.40 |
| Oct 20, 2025 | $182.17 |
| Oct 21, 2025 | $181.91 |
| 4 days before | -4.37% |
| 4 days after | -0.236% |
| On release day | -2.18% |
| Change in period | -4.59% |
| Release date | Jan 16, 2026 |
| Price on release | $223.18 |
| EPS estimate | $4.23 |
| EPS actual | $4.88 |
| EPS surprise | 15.37% |
| Date | Price |
|---|---|
| Jan 12, 2026 | $215.74 |
| Jan 13, 2026 | $212.45 |
| Jan 14, 2026 | $212.32 |
| Jan 15, 2026 | $215.04 |
| Jan 16, 2026 | $223.18 |
| Jan 20, 2026 | $220.96 |
| Jan 21, 2026 | $225.49 |
| Jan 22, 2026 | $222.00 |
| Jan 23, 2026 | $219.39 |
| 4 days before | 3.45% |
| 4 days after | -1.70% |
| On release day | -0.99% |
| Change in period | 1.69% |
| Release date | Apr 15, 2026 |
| Price on release | $222.06 |
| EPS estimate | $3.93 |
| EPS actual | $4.13 |
| EPS surprise | 5.09% |
| Date | Price |
|---|---|
| Apr 09, 2026 | $223.23 |
| Apr 10, 2026 | $221.13 |
| Apr 13, 2026 | $223.00 |
| Apr 14, 2026 | $221.20 |
| Apr 15, 2026 | $222.06 |
| Apr 16, 2026 | $220.07 |
| Apr 17, 2026 | $224.81 |
| Apr 20, 2026 | $227.03 |
| Apr 21, 2026 | $228.05 |
| 4 days before | -0.524% |
| 4 days after | 2.70% |
| On release day | -0.90% |
| Change in period | 2.16% |
PNC Financial Services Group (The) Earnings Call Transcript Summary of Q1 2026
PNC reported a strong Q1 2026 driven by the completed acquisition of FirstBank (added ~$15B loans and ~$22B deposits) and robust organic performance. Key financials: average loans $351B (up $23B QoQ, +11% YoY), net interest margin 2.95% (up 11 bps QoQ), net interest income $4.0B (up 6% QoQ), total revenue $6.2B (up 2% QoQ), noninterest income grew 13% YoY, provision $210M, net income $1.8B ($4.13/share; $4.32 adj. for integration). Credit metrics remain healthy: NPL ratio 0.62%, allowance for credit losses $5.5B (1.52% of loans), NCO ex-acq ~24 bps. Capital: estimated CET1 ~10.1% (down 50 bps from YE 2025 largely due to FirstBank); returned ~$1.4B to shareholders in Q1 (dividends ~$700M, repurchases ~$700M) and expects quarterly repurchases of $600–700M going forward. Management expects the Basel III proposal to be net-positive, initially reducing RWAs ~10% (~$45–50B), which would improve CET1; they remain in analysis on methodology choice (ERBA vs revised standardized). Integration: FirstBank technical conversion targeted mid‑June; total expected merger/integration charges ~$325M (recognized ~$98M in Q1, ~$150M expected in Q2). Outlook: Q2 vs Q1 — average loans +2–3%, NII +~3%, fee income +2.5%, other noninterest income $150–200M, total revenue +~3.5%, noninterest expense ex-integration +~2%, Q2 net charge-offs ~ $225M. Full-year 2026 vs 2025 — average loan growth ~11%, NII +~14.5%, noninterest income +~6%, total revenue +~11%, noninterest expense ex-integration +~7%, effective tax rate ~19.5%. Strategic/operational highlights: continued branch and digital retail expansion (many new branches planned), strong growth in expansion markets (especially Southeast and parts of California), continued investment in technology and a $350M 2026 continuous improvement cost-savings target. On the industry concerns around non-depository financial institution (NDFI)/private credit exposure, PNC emphasized the low-risk composition of its book (≈80% trade receivable securitizations to bankruptcy-remote subsidiaries; remainder ~20% mostly CLOs backed by private credit assets, ~ $7B) and management expects negligible loss content.
