The PNC Financial Services Group (PNC) Reports Q2 Earnings: What Key Metrics Have to Say

Core Insights - The PNC Financial Services Group reported $5.69 billion in revenue for Q2 2025, a 5.1% year-over-year increase, with an EPS of $3.85 compared to $3.30 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate by 1.28%, while the EPS surprised by 8.15% over the consensus estimate [1] Financial Metrics - Net interest margin stood at 2.8%, matching the average estimate of 2.8% from seven analysts [4] - Net charge-offs to average loans were 0.3%, better than the average estimate of 0.4% [4] - Efficiency ratio was reported at 60%, slightly better than the average estimate of 60.3% [4] - Book value per common share was $131.61, exceeding the average estimate of $129.21 from six analysts [4] - Total interest-earning assets averaged $507.61 billion, close to the average estimate of $508 billion [4] - Total nonperforming assets were $2.14 billion, lower than the estimated $2.37 billion [4] - Leverage ratio was 9.3%, slightly above the average estimate of 9.2% [4] - Total nonperforming loans were $2.11 billion, better than the average estimate of $2.33 billion [4] - Tier 1 risk-based ratio was 11.9%, matching the average estimate [4] - Total capital risk-based ratio was 13.6%, slightly below the average estimate of 13.9% [4] - Total noninterest income was $2.11 billion, exceeding the average estimate of $2.04 billion [4] - Net interest income (FTE) was $3.58 billion, in line with the average estimate [4] Stock Performance - PNC shares returned +10.9% over the past month, outperforming the Zacks S&P 500 composite's +4.5% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]