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The PNC Financial Services Group (PNC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
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The PNC Financial Services Group, Inc (PNC - Free Report) reported $5.48 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 6.5%. EPS of $3.51 for the same period compares to $3.36 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $5.48 billion, representing a surprise of +0.02%. The company delivered an EPS surprise of +3.24%, with the consensus EPS estimate being $3.40.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how The PNC Financial Services Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency ratio: 62% versus 62% estimated by seven analysts on average.
Net interest margin: 2.8% versus the seven-analyst average estimate of 2.8%.
Net charge-offs to average loans: 0.3% versus the seven-analyst average estimate of 0.4%.
Total interest-earning assets - Average balance: $503.57 billion versus the six-analyst average estimate of $507.80 billion.
Book value per common share: $127.98 compared to the $125.24 average estimate based on six analysts.
Total nonperforming assets: $2.32 billion versus $2.38 billion estimated by six analysts on average.
Total nonperforming loans: $2.29 billion versus the four-analyst average estimate of $2.36 billion.
Leverage Ratio: 9.2% versus 8.9% estimated by four analysts on average.
Tier 1 risk-based ratio: 11.9% compared to the 11.7% average estimate based on three analysts.
Total capital risk-based: 13.7% versus 13.5% estimated by two analysts on average.
Net interest income (Fully Taxable-Equivalent - FTE) (non-GAAP): $3.50 billion versus $3.48 billion estimated by seven analysts on average.
Total Noninterest Income: $1.98 billion versus $2.02 billion estimated by seven analysts on average.
Shares of The PNC Financial Services Group have returned -10.7% over the past month versus the Zacks S&P 500 composite's -3.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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The PNC Financial Services Group (PNC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
The PNC Financial Services Group, Inc (PNC - Free Report) reported $5.48 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 6.5%. EPS of $3.51 for the same period compares to $3.36 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $5.48 billion, representing a surprise of +0.02%. The company delivered an EPS surprise of +3.24%, with the consensus EPS estimate being $3.40.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how The PNC Financial Services Group performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 62% versus 62% estimated by seven analysts on average.
- Net interest margin: 2.8% versus the seven-analyst average estimate of 2.8%.
- Net charge-offs to average loans: 0.3% versus the seven-analyst average estimate of 0.4%.
- Total interest-earning assets - Average balance: $503.57 billion versus the six-analyst average estimate of $507.80 billion.
- Book value per common share: $127.98 compared to the $125.24 average estimate based on six analysts.
- Total nonperforming assets: $2.32 billion versus $2.38 billion estimated by six analysts on average.
- Total nonperforming loans: $2.29 billion versus the four-analyst average estimate of $2.36 billion.
- Leverage Ratio: 9.2% versus 8.9% estimated by four analysts on average.
- Tier 1 risk-based ratio: 11.9% compared to the 11.7% average estimate based on three analysts.
- Total capital risk-based: 13.7% versus 13.5% estimated by two analysts on average.
- Net interest income (Fully Taxable-Equivalent - FTE) (non-GAAP): $3.50 billion versus $3.48 billion estimated by seven analysts on average.
- Total Noninterest Income: $1.98 billion versus $2.02 billion estimated by seven analysts on average.
View all Key Company Metrics for The PNC Financial Services Group here>>>Shares of The PNC Financial Services Group have returned -10.7% over the past month versus the Zacks S&P 500 composite's -3.9% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.