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

The PNC Financial Services Group, Inc. reports Friday, Jan 15, 2027

PNC reports before market open with consensus EPS at $5.09 and revenue at $6.85B. Last quarter: PNC raises full-year outlook as growth offsets margin pressure

Reports Before market open71 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $5.09 Calendar consensus
Consensus revenue $6.85B Calendar consensus
Report date Jan 15, 2027 Friday, date estimated
Session Before market open 71 days away

Where PNC left off: FY2026 Q3

Full report

PNC raises full-year outlook as growth offsets margin pressure

EPS surprise +3.7% Reported $5.09 vs $4.91
Revenue surprise -0.7% Reported $6.56B vs $6.61B
Stock move -0.4% Event window
Subsequent drift 0.0% Up to 20 sessions

Management raised full-year expectations to approximately 13.5% loan growth, 15.5% net interest income growth, and 13.7% total revenue growth; Q4 capital-markets fees are expected to rise another 15%.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Margin compression from a higher-quality, lower-spread loan mix
  • A slowdown in loan demand if higher rates curb capital-expenditure spending
  • Commercial real estate and large commercial-credit exposures
  • Rising deposit costs and deposit-beta dynamics
  • Execution, cybersecurity, and regulatory risks from AI transformation

Questions analysts left open

  • NIM and margin dynamics as lower-spread loans grow
  • Deposit beta and rising deposit costs
  • Sustainability of capital-markets fee growth
  • Expense growth and cost controls
  • Credit-loss assumptions for the loan portfolio

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Recent PNC quarters

All PNC earnings
-0.4%FY2026 Q3+0.9%FY2026 Q2+0.4%FY2026 Q1+3.8%FY2025 Q4

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

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.