The PNC Financial Services Group, Inc. · PNC · Next earnings

The PNC Financial Services Group, Inc. reports Thursday, Oct 15, 2026

PNC reports before market open with consensus EPS at $4.91 and revenue at $6.61B. Last quarter: PNC Beats on EPS and Revenue as Fee Income Climbs and FirstBank Integration Holds

Reports Before market open25 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $4.91 Calendar consensus
Consensus revenue $6.61B Calendar consensus
Report date Oct 15, 2026 Thursday, date estimated
Session Before market open 25 days away

Where PNC left off: FY2026 Q2

Full report

PNC Beats on EPS and Revenue as Fee Income Climbs and FirstBank Integration Holds

EPS surprise +8.7% Reported $4.85 vs $4.46
Revenue surprise +5.5% Reported $6.88B vs $6.51B
Stock move +0.9% Event window
Subsequent drift -1.0% Up to 20 sessions

Management maintained prior guidance. Full-year 2026 targets include revenue growth of approximately 11%, loan growth of approximately 11%, NIM exceeding 3% in the second half, and 18% ROTCE. The $350M cost-reduction program announced in Q1 remains on track. No material changes to the outlook were indicated.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Spread compression from a shift toward higher-quality, lower-margin loan mix.
  • Rising deposit funding costs and competitive rate pressure.
  • Commercial real estate exposure and sector-specific credit pressures.
  • Sustainability of loan growth and utilization in the second half of 2026.
  • Potential macro headwinds from higher energy prices and economic uncertainty affecting borrower sentiment.

Questions analysts left open

  • Whether loan growth and utilization levels can be sustained in H2 2026.
  • The trajectory of net interest margin amid evolving deposit cost dynamics.
  • Whether fee revenue strength, particularly M&A advisory, is repeatable after a record quarter.
  • The impact of a loan mix shift toward lower-spread, high-quality borrowers on future profitability.

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Recent PNC quarters

All PNC earnings
+0.9%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q2

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.