PNC Financial Q3财报喜忧参半：EPS超预期但营收/NII小幅逊于预期，盘前小跌

PNC Financial Services ( PNC ) stock was falling after its Q3 revenue trailed consensus with funding costs impacting net interest income. Shares were 3.10% lower at $209.00 after the results announcement. Adjusted diluted EPS of $5.09, beats the Visible Alpha consensus of $5.01. Revenue of $6.56B, increased from $5.92B in the third quarter of 2025 but fell from $6.88B in the second quarter. The metric falls short of the consensus of $6.58B. Net interest income was up to $4.21B from $4.11B a quarter ago and $3.65B a year ago. However, the consensus estimate was $4.24B. The increase in NII was driven by commercial loan growth and higher yields on interest-earning assets, partially offset by increased funding costs. Noninterest income fell from the previous quarter's $2.77B to $2.36B, but increased from $2.27B a year ago. Still, the metric remained above the consensus of $2.35B. Integration costs and significant items were down to $27M from $261M a quarter ago. For the balance sheet, PNC Financial's average deposits stood at $461.2B, compared to the Visible Alpha consensus of $459.6B. Average loans were $372.2B, compared to the loans and leases consensus of $369.3B. Provision for credit losses rose from the prior year's $167M to $189M, but decreased from the previous quarter's $191M. The metric was far below the average analyst estimate of $241.4M. Earnings conference call is scheduled for 10:00 AM ET today.