---
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"
generated_at: "2026-10-15T10:50:25.954311+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-065936
- JSON: https://secwatch.observer/filing/0001628280-26-065936.json
- Plain text: https://secwatch.observer/filing/0001628280-26-065936.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.