For the quarter ended September 2025, The PNC Financial Services Group, Inc (PNC) reported revenue of $5.95 billion, up 9.4% over the same period last year. EPS came in at $4.35, compared to $3.49 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $5.83 billion, representing a surprise of +1.92%. The company delivered an EPS surprise of +7.41%, with the consensus EPS estimate being $4.05.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
- Net charge-offs to average loans: 0.2% compared to the 0.3% average estimate based on seven analysts.
- Net interest margin: 2.8% versus 2.9% estimated by seven analysts on average.
- Efficiency ratio: 59% versus the six-analyst average estimate of 59.3%.
- Total nonperforming assets: $2.3 billion versus $2.21 billion estimated by six analysts on average.
- Total interest-earning assets - Average balance: $518.13 billion compared to the $512.95 billion average estimate based on six analysts.
- Book value per common share: $135.67 versus the six-analyst average estimate of $134.56.
- Leverage Ratio: 9.2% compared to the 9.3% average estimate based on four analysts.
- Total nonperforming loans: $2.14 billion compared to the $2.21 billion average estimate based on four analysts.
- Tier 1 risk-based ratio: 12% compared to the 11.9% average estimate based on three analysts.
- Total capital risk-based: 13.6% versus the two-analyst average estimate of 14.1%.
- Net interest income (Fully Taxable-Equivalent - FTE) (non-GAAP): $3.68 billion compared to the $3.69 billion average estimate based on seven analysts.
- Total Noninterest Income: $2.27 billion compared to the $2.14 billion average estimate based on seven analysts.
View all Key Company Metrics for The PNC Financial Services Group here>>>
Shares of The PNC Financial Services Group have returned -5.6% over the past month versus the Zacks S&P 500 composite's +1% 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.
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The PNC Financial Services Group, Inc (PNC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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