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PNC Financial Services Group (PNC) guidance and outlook

PNC Financial Services Group's 10-Q filed Nov 3, 2026 makes 19 forward-looking statements, 0 of them new and 9 no longer said since the filing before.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 3, 2026

• Consistent with the forward guidance we provided on October 15, 2026, for the fourth quarter of 2026, compared to the third quarter of 2026, we expect:
• Consistent with the forward guidance we provided on October 15, 2026, for the full year of 2026, compared to the full year of 2025, we expect:
• updated · The guidance for noninterest expense, excluding integration costs and significant items, excludes our expectation for non-recurring merger and integration expenses of approximately $300 million in total, of which $261 million was recognized in the first nine months of 2026 ($245 million of noninterest expense and $16 million of noninterest income) and approximately $20 million is expected to be incurred in the…
• We are unable to provide a meaningful or accurate reconciliation of forward-looking non-GAAP measures, without unreasonable effort, to their most directly comparable GAAP financial measures, except for full year Noninterest income, Noninterest expense and Revenue guidance, excluding integration costs and significant items.
• We continually monitor the credit risk in our portfolio and maintain the allowance for investment securities at an appropriate level to absorb expected credit losses on our investment securities portfolio for the remaining contractual term of the securities adjusted for expected prepayments.
• updated · We estimate that at September 30, 2026 the effective duration of investment securities was 4.0 years for an immediate 50 basis points parallel increase in interest rates and 4.1 years for an immediate 50 basis points parallel decrease in interest rates.
• We have taken a disciplined approach to pricing, focused on retaining relationship-based balances and executing on targeted deposit growth and retention strategies aimed at more rate-sensitive customers.
• We aim to grow our market share and drive higher returns by delivering value-added solutions that help our clients better run their organizations, all while maintaining prudent risk and expense management.
• updated · We have established reserves of 9.2% against office loans, which we believe reflect the expected credit losses in this portfolio.
• Our determination of the ACL is based on historical loss and performance experience, current economic conditions, the reasonable and supportable forecasts of future economic conditions and other relevant factors, including current borrower and/or transaction characteristics and assessments of the remaining estimated contractual term as of the balance sheet date.
• We maintain the ACL at an appropriate level for expected losses on our existing investment securities, loans, equipment finance leases, other financial assets and unfunded lending related commitments.
• Future Balance Sheet Composition: Our balance sheet composition is dynamic and based on our forecasted expectations.

PNC Financial Services Group's latest quarter

Questions

What does PNC Financial Services Group expect?

The guidance for noninterest expense, excluding integration costs and significant items, excludes our expectation for non-recurring merger and integration expenses of approximately $300 million in total, of which $261 million was recognized in the first nine months of 2026 ($245 million of noninterest expense and $16 million of noninterest income) and approximately $20 million is expected to be incurred in the… We estimate that at September 30, 2026 the effective duration of investment securities was 4.0 years for an immediate 50 basis points parallel increase in interest rates and 4.1 years f

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.