| PNC |
Report |
EPS (adjusted) |
BEAT |
pred ~$4.58 vs. cons $4.51 |
MEDIUM |
| PNC |
Report |
Net interest income |
BEAT |
pred ~$3.82B vs. cons $3.77B |
MEDIUM |
| PNC |
Report |
Net interest margin (NIM) |
BEAT |
pred ~2.99% vs. cons 2.96% |
MEDIUM |
| PNC |
Guide |
FY2026 NII growth |
UNCHANGED |
guide ~+14.5% vs. cons ~+14% (FY2026) |
MEDIUM |
| PNC |
Guide |
FY2026 total revenue growth |
UNCHANGED |
guide ~+11% vs. cons ~+11% (FY2026) |
MEDIUM |
| PNC |
Guide |
H2 2026 NIM trajectory |
BETTER |
guide >3.0% vs. cons ~2.99% (H2 2026) |
MEDIUM |
| PNC |
Guide |
Q3 NII (sequential) |
UNCHANGED |
guide ~+2% vs. cons ~+2% (Q3 2026) |
LOW |
| PNC |
Guide |
Net charge-offs / credit (NDFI reassurance) |
UNCHANGED |
guide NCO ~$225M vs. cons ~$230M (Q2 2026) |
MEDIUM |
| PNC |
Return |
Day-1 residual (stock − beta × S&P 500) |
-0.8% |
— |
MEDIUM |
| PNC |
Return |
5-day cumulative residual |
-1.8% (FADE) |
A clean beat plus reaffirmed (not meaningfully raised) FY guide is largely priced in with the stock up ~18% since the Q1 print and near record highs. Out-period math is a modest positive but not enough to trigger big upward EPS revisions; expansion-market/CRE growth is durable but incremental. With positioning extended and the sector technically stretched, the beat likely draws profit-taking/sell-the-news, so the initial muted-to-negative residual continues to bleed lower over the week rather than reverse. |
LOW |