PNC Q3 2026 net income $2.1B, EPS $4.97/$5.09 adj; revenue $6.56B, NII $4.21B, efficiency 57%

PNC FINANCIAL SERVICES GROUP, INC.

Diluted EPS $4.97, adjusted EPS $5.09 (+$0.24 QoQ); net income $2,097M vs $2,055M in 2Q26 and $1,822M in 3Q25; net income attributable to common shareholders $2,006M.
Revenue $6,562M, down 4.6% QoQ but up 10.9% YoY; NII $4,206M (+2% QoQ); fee income $2,142M (-6% QoQ) on lower capital markets; other noninterest income $214M, down $275M on 2Q26 significant items.
Average loans rose $9.0B (2% QoQ) to $372.2B; average deposits up 1% to $461.2B; net charge-offs $257M, including $35M from the $1.4B student loan portfolio transfer to held-for-sale.
CET1 ratio 9.8%; ROTCE 18.3%; efficiency ratio 57%; AOCI worsened to negative $6.5B from negative $4.1B in 2Q26; paid $0.8B common dividends and repurchased $0.6B of stock.
FirstBank acquisition closed Jan 5, 2026, adding $26B assets, $16B loans and $23B deposits; converted ~780,000 customers and 95 branches across Colorado and Arizona by June 22, 2026.

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