Compared to Estimates, The PNC Financial Services Group (PNC) Q3 Earnings: A Look at Key Metrics

Core Insights - The PNC Financial Services Group reported a revenue of $5.95 billion for the quarter ended September 2025, reflecting a year-over-year increase of 9.4% and surpassing the Zacks Consensus Estimate of $5.83 billion by 1.92% [1] - Earnings per share (EPS) for the quarter was $4.35, up from $3.49 in the same quarter last year, exceeding the consensus EPS estimate of $4.05 by 7.41% [1] Financial Performance Metrics - Net charge-offs to average loans were reported at 0.2%, better than the average estimate of 0.3% [4] - Net interest margin was 2.8%, slightly below the estimated 2.9% [4] - Efficiency ratio stood at 59%, in line with the average estimate of 59.3% [4] - Total nonperforming assets amounted to $2.3 billion, slightly above the estimated $2.21 billion [4] - Average balance of total interest-earning assets was $518.13 billion, exceeding the estimate of $512.95 billion [4] - Book value per common share was $135.67, surpassing the average estimate of $134.56 [4] - Leverage ratio was reported at 9.2%, compared to the average estimate of 9.3% [4] - Total nonperforming loans were $2.14 billion, below the average estimate of $2.21 billion [4] - Tier 1 risk-based ratio was 12%, above the average estimate of 11.9% [4] - Total capital risk-based ratio was 13.6%, below the average estimate of 14.1% [4] - Net interest income (Fully Taxable-Equivalent - FTE) was $3.68 billion, slightly below the average estimate of $3.69 billion [4] - Total noninterest income reached $2.27 billion, exceeding the average estimate of $2.14 billion [4] Stock Performance - Shares of The PNC Financial Services Group have returned -5.6% over the past month, contrasting with the Zacks S&P 500 composite's +1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]