{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-065936","form_type":"8-K","ticker":"PNC","cik":"0000713676","company_name":"PNC FINANCIAL SERVICES GROUP, INC.","filed_at":"2026-10-15T10:46:28+00:00","discovered_at":"2026-10-15T10:50:00.417412+00:00","generated_at":"2026-10-15T10:50:25.954311+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"PNC Q3 2026 net income $2.1B, EPS $4.97/$5.09 adj; revenue $6.56B, NII $4.21B, efficiency 57%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-065936","json":"https://secwatch.observer/filing/0001628280-26-065936.json","markdown":"https://secwatch.observer/filing/0001628280-26-065936.md","text":"https://secwatch.observer/filing/0001628280-26-065936.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/713676/000162828026065936/0001628280-26-065936-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/713676/000162828026065936/pnc-20261015.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T10:50:25.954311+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}