For the quarter ended December 2025, The PNC Financial Services Group, Inc (PNC) reported revenue of $6.1 billion, up 9.6% over the same period last year. EPS came in at $4.88, compared to $3.77 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $5.96 billion, representing a surprise of +2.4%. The company has not delivered EPS surprise, with the consensus EPS estimate being $4.23.
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 interest margin: 2.8% versus the seven-analyst average estimate of 2.9%.
- Net charge-offs to average loans: 0.2% compared to the 0.3% average estimate based on seven analysts.
- Total interest-earning assets - Average balance: $520.78 billion versus $523.16 billion estimated by six analysts on average.
- Book value per common share: $140.44 versus the six-analyst average estimate of $137.02.
- Total nonperforming assets: $2.36 billion versus $2.36 billion estimated by six analysts on average.
- Efficiency ratio: 59% versus the six-analyst average estimate of 59.2%.
- Total nonperforming loans: $2.22 billion versus $2.29 billion estimated by four analysts on average.
- Leverage Ratio: 9.4% compared to the 9.3% average estimate based on four analysts.
- Tier 1 risk-based ratio: 11.9% versus the three-analyst average estimate of 12.1%.
- Total capital risk-based: 13.5% versus 14.1% estimated by two analysts on average.
- Net interest income (Fully Taxable-Equivalent - FTE) (non-GAAP): $3.76 billion versus $3.74 billion estimated by seven analysts on average.
- Total Noninterest Income: $2.34 billion compared to the $2.21 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 +2.6% over the past month versus the Zacks S&P 500 composite's +2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform 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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