NYSE$PNC

PNC Financial Services Group Inc · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

PNC's earnings increased driven by the acquisition of BBVA USA Bancshares Inc. and strong performance across its business segments.

PNC's second quarter 2021 earnings reflect BBVA's acquired business operations for the month of June 2021 and PNC's balance sheet dated June 30, 2021 includes BBVA's balances. PNC's previously disclosed amounts do not include BBVA amounts. Net income attributable to common shareholders was $1,042 million, or $2.43 per diluted share.

  • PNC acquired BBVA USA Bancshares Inc. on June 1, 2021, adding $82.2 billion of deposits and $60.5 billion of loans to PNC's Consolidated Balance Sheet.
  • Second quarter earnings reflect BBVA's acquired business operations for the month of June 2021.
  • Net interest income increased to $2,581 million.
  • Total revenue reached $4,667 million.

Headline financials

Total Revenue

$4.67B

Previous: $4.08B+14.5%
EPS (adj)

$4.50

Previous: -$1.90+336.8%
Net Interest Margin

2.3%

No prior period
Efficiency Ratio

65.0%

Previous: 62.0%+4.8%
Net Charge-offs / Avg Loans

0.5%

No prior period
Free Cash Flow

$1.1B

Previous: $3.66B-69.8%
Net Income

$1.1B

Previous: $3.66B-69.8%
Operating Income

-$74M

Previous: -$3.28B+97.7%
Gross Profit

$4.46B

Previous: $904M+393.5%
Cash & Equivalents

$8.72B

Previous: $6.34B+37.6%
Total Assets

$554B

Previous: $459B+20.7%

Revenue & EPS history

PNC · Revenue · Quarterly

$4.67B

Q2 2021+14.5%vs Q2 2020
Beat estimate in 13 of 16 quarters(81%)
ActualEstimate

Revenue by segment

PNC · $2.4B total across 2 segments · Q2 2021

  • Retail Banking
    $2.16B+9.4%
  • Asset Mgmt Group
    $239M-18.4%

Forward guidance

PNC did not provide specific forward guidance in this earnings report.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2021

Historical avgQ2 2021

-0.6%

Avg return

Earnings day

+0.2%

Avg return

5 days after

+2.3%

Avg return

30 days after

51%

37 / 73 earnings

Positive

+6.3%

Q2 2024

Best reaction

-9.0%

Q1 2020

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q4 2025+4.2%+2.6%-3.7%
Q1 2026+2.5%+2.6%-3.7%
Q3 2025-4.0%-4.0%-3.0%
Q2 2025+0.6%-0.2%+4.4%
Q1 2025+0.0%-1.9%+15.5%
Q4 2024-0.9%-0.9%-3.3%
Q3 2024+0.7%+0.5%+10.3%
Q2 2024+6.3%+3.8%+1.7%
Q1 2024-1.5%+1.8%+7.6%
Q4 2023-0.1%+2.2%+9.8%
Q3 2023-2.6%-4.6%-0.7%
Q2 2023+4.1%+5.6%-2.9%
Q1 2023+3.0%+5.7%-8.1%
Q4 2022-8.5%-1.6%-2.0%
Q3 2022+1.9%-0.8%+8.4%
Q2 2022+2.5%+6.1%+15.7%
Q1 2022-1.5%-0.2%-11.8%
Q4 2021-6.2%-9.6%-9.4%
Q3 2021-0.8%+5.1%+0.5%
Q2 2021+0.1%-6.1%+0.6%
Q1 2021+1.7%+0.2%+14.1%
Q4 2020-3.4%-3.2%+0.5%
Q3 2020-2.6%-2.2%+9.1%
Q2 2020+3.7%+1.7%+10.4%
Q1 2020-9.0%+3.1%-2.2%
Q4 2019-4.5%-4.1%-3.6%
Q3 2019+0.6%+2.6%+6.3%
Q2 2019+0.1%+0.6%-8.5%
Q1 2019+1.8%+4.0%+2.9%
Q4 2018+0.6%+3.4%+2.5%
Q3 2018-4.6%-3.3%+2.0%
Q2 2018+2.1%+3.2%+4.0%
Q1 2018-5.7%-7.1%-1.0%
Q4 2017+0.5%+1.8%+0.1%
Q3 2017-0.2%-0.4%-2.1%
Q2 2017+0.0%-0.7%+0.6%
Q1 2017+2.1%+0.4%+4.1%
Q4 2016-3.4%-1.4%+4.4%
Q3 2016+0.3%+4.2%+20.5%
Q2 2016-0.9%-0.3%+2.6%
Q1 2016-1.2%
Q4 2015-1.8%
Q3 2015-1.6%
Q2 2015+1.8%
Q1 2015-2.0%
Q4 2014+2.7%
Q3 2014-3.3%
Q2 2014-5.6%
Q1 2014+2.0%
Q4 2013+4.3%
Q3 2013+3.0%
Q2 2013+1.9%
Q1 2013+0.7%
Q4 2012+3.4%
Q4 2011-0.6%
Q3 2012-5.0%
Q2 2012-0.4%
Q1 2012+0.7%
Q3 2011-3.6%
Q2 2011-3.6%
Q1 2011+1.3%
Q4 2007-2.8%
Q4 2010-2.8%
Q3 2010-0.6%
Q2 2010-0.2%
Q1 2009+5.3%
Q1 2010+2.6%
Q4 2009+0.8%
Q3 2008+3.0%
Q3 2009+3.0%
Q2 2008-7.8%
Q4 2008-7.8%
Q2 2009-7.8%

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