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FINWIRES

研究快訊:PNC:第一季獲利超預期,貸款餘額激增

-- 獨立研究機構CFRA向提供了以下研究報告。 CFRA分析師總結如下:PNC銀行公佈了強勁的2026財年第一季業績,調整後每股收益為4.32美元,高於上年同期的3.51美元,超出市場預期0.16美元。業績成長包括1月6日完成的對FirstBank的收購,新增資產260億美元,貸款160億美元,存款230億美元。資產負債表成長超出預期,貸款成長9%,主要得益於收購、新增貸款以及更高的貸款利用率。淨利息收入成長6%,淨利差擴大11個基點至2.95%,存款成本下降18個基點,延續了PNC的資產重定價策略。我們注意到,存款結構顯著改善,非計息存款餘額成長8%,而整體存款成長率為4%。信貸品質仍穩健,核心淨核銷率年化為0.24%,高於去年同期的0.20%,但不包括收購FirstBank後產生的4,500萬美元核銷款項。撥備金佔貸款總額的比例從1.58%降至1.52%,這反映了嚴格的承銷標準以及FirstBank貸款組合的納入。

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