PNC / Q3 2026 (quarter ended September 30, 2026)

PNC Financial

Reported 2026-10-15

Published forecast

Oct 12, 2026, 2:14 AM PDT

Opus 5.5 High in Shortcut

Shortcut

5.00

Shortcut normalized EPS

+0.5% vs Street*

Street

4.98

Street normalized EPS

Frozen October 11 snapshot

Real

5.09

Issuer adjusted diluted EPS

Shortcut win

Shortcut off by $0.09 · Street off by $0.11.

Uses PNC’s adjusted EPS of $5.09, excluding integration costs and significant items ($4.97 GAAP), consistent with the forecast’s stated approach. The score compares published values; exact adjustment matching remains unverified.

Issuer earnings release ↗

USD per diluted share

Explore the model.

Open the assumptions and calculations behind this earnings forecast.

Open in Shortcut ↗Download XLSX ↓

Model note: Visa-charge treatment has about $0.089/share sensitivity. Some funding-balance assumptions remain unreconciled.

Behind the estimate.

The model forecasts $5.00 per diluted share for the quarter ended September 30, 2026.

Forecast and independent review: Opus 5.5 High in Shortcut.

Model assumptions and review notes

Modeled normalized EPS; comparability with the frozen Street definition remains unconfirmed. The score compares published values directly.
F1 average borrowed funds/securities not reconciled to modeled period-ends: -$0.0229/+$0.0176 EPS per +$1bn; illustrative ~-$0.12; exceeds +$0.0247 margin over consensus. Original judgment retained.
F2 Visa ~$(45)m derivative normalization basis: +$0.0887 EPS if excluded; exceeds margin; scored comparison conditional on comparable adjusted-EPS definition.
F3/F4 retained judgments above guided tops: fees +$35m (~$0.069), other income ex-Visa +$15m (~$0.030); combined ~$0.099 vs +$0.0247 margin.
F12 3Q25/4Q25/1Q26 other-income guide-basis footnotes not in preserved sources (qualitative track record only).
MSR original 3,880 intent unverifiable (unsourced builder constant); no EPS dependency.
Operating cash flow unavailable (partial scenario only); capex not disclosed; FCF not applicable.
Documented limitation: web sources retrieved 2026-10-12 after the cutoff but published before it; no frozen snapshots asserted.

On the record.

Reporting period: Q3 2026 (quarter ended September 30, 2026), ended 2026-09-30
Reporting basis: Normalized (PNC "as adjusted") diluted EPS per common share, USD: (GAAP NI to diluted common + after-tax integration costs/significant items) / weighted average diluted shares; Income Statement!J104 = J103/J64
Published: Oct 12, 2026, 2:14 AM PDT
Model / effort: Opus 5.5 · High effort

Original forecasts, models and publication times remain on the record.

Research sources