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ASB vs PNC
Associated Banc-Corp (ASB) vs The PNC Financial Services Group (PNC) Earnings Preview: Q1 2026 Expectations in Focus
Key Takeaways
- ASB will report Q1 2026 earnings on April 23, with consensus EPS of $0.69 and revenue around $384 million.
- PNC reports Q1 2026 results on April 15, expecting EPS of $3.92–$4.10 and revenue near $6.23 billion.
- Both regional banks showed strong Q4 2025 results: PNC with $4.88 EPS and record $6.1B revenue; ASB at $0.80 EPS and $310M NII (net interest income).
- PNC CET1 (Common Equity Tier 1, a key capital adequacy ratio) at 10.6%; ASB at 10.49%.
- Loan growth strong: ASB 4.7% YoY to $31.2B; PNC expects 8% in 2026.
- Deposits up: ASB 2.6% to $35.6B; PNC average $439.5B.
Earnings Context and Why This Comparison Matters
Quarterly earnings reports provide critical insights into regional banks' health amid interest rate dynamics, loan demand, and deposit competition. ASB, a Midwest-focused lender, and PNC, a larger diversified player with national reach, operate in overlapping commercial and consumer banking segments. Comparing their Q1 2026 outlooks highlights resilience in net interest margins (NIM), credit quality, and growth strategies, especially as both eye expansions like ASB's American National acquisition and PNC's FirstBank deal.
The PNC Financial Services Group Focus
PNC reports Q1 2026 earnings on April 15 before market open, followed by a conference call. Analysts project EPS of $3.92–$4.10, up from $3.51 YoY, with revenue around $6.23B, reflecting 13.6% growth. Key watches include NII (net interest income), expected to benefit from lower funding costs and 8% average loan growth guidance for 2026. Q4 2025 delivered record $6.1B revenue, $3.7B NII (NIM 2.84%), and ROTCE (return on tangible common equity) near 17%. CET1 stood at 10.6%, supporting $1.1B capital returns. Stable NCOs (net charge-offs) at 0.20% and deposit growth to $439.5B average underscore strength.
Associated Banc-Corp Context
ASB follows on April 23 after market close. Consensus calls for $0.69 EPS on $384M revenue. Recent Q4 2025 shone with $0.80 EPS (beating $0.69), $310M NII (NIM 3.06%, +25 bps YoY), and record annual $463M net income ($2.77/share). Loans hit $31.2B (+4.7% YoY, C&I +11.6%), deposits $35.6B (+2.6%). CET1 at 10.49%, ROTCE 13.63%, and low NCOs (0.12%) signal discipline. 2026 outlook: 5–6% loan/deposit growth, NII +5.5–6.5%, excluding acquisitions.
Head-to-Head Earnings and Market Comparison
PNC dwarfs ASB in scale (market cap ~$70B vs. ~$4.5B, assets ~$560B vs. ~$43B), driving higher absolute growth but similar margins. Both expanded NIMs—PNC 2.84%, ASB 3.03%—via asset repricing and cost control. Loan drivers align on C&I strength, with PNC guiding 8% growth vs. ASB's 5–6%. Credit risk low (NCOs <0.20%), CET1 >10% for both. PNC edges in diversification (wealth, asset management), ROTCE (~17% vs. 13.63%), but ASB offers higher yield potential in regional focus. M&A (mergers and acquisitions) bolsters positioning amid moderating rates.
AI Screener
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Tickeron AI Verdict
Tickeron AI favors PNC (65% probability) for superior scale, ROTCE trajectory to 18%, and 2026 growth guidance, though ASB appeals for NIM efficiency and value in a regional rebound.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ASB is a Buy and PNC is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ASB’s FA Score shows that 2 FA rating(s) are green whilePNC’s FA Score has 2 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- PNC’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ASB’s TA Score shows that 5 TA indicator(s) are bullish while PNC’s TA Score has 5 bullish TA indicator(s).
- ASB’s TA Score: 5 bullish, 4 bearish.
- PNC’s TA Score: 5 bullish, 4 bearish.
Price Growth
ASB (@Regional Banks) experienced а +5.18% price change this week, while PNC (@Regional Banks) price change was +2.91% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.10%. For the same industry, the average monthly price growth was +5.30%, and the average quarterly price growth was +14.58%.
Reported Earning Dates
ASB is expected to report earnings on Jul 23, 2026.
PNC is expected to report earnings on Jul 15, 2026.
Industries' Descriptions
@Regional Banks (+2.10% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| ASB | PNC | ASB / PNC | |
| Capitalization | 5.75B | 96.3B | 6% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 20.289 | 16.715 | 121% |
| P/E Ratio | 10.20 | 13.64 | 75% |
| Revenue | 1.52B | 23.8B | 6% |
| Total Cash | 465M | 6.78B | 7% |
| Total Debt | 4.01B | 66.7B | 6% |
ASB | PNC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 35 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 25 Undervalued | 56 Fair valued | |
PROFIT vs RISK RATING 1..100 | 37 | 53 | |
SMR RATING 1..100 | 22 | 6 | |
PRICE GROWTH RATING 1..100 | 44 | 21 | |
P/E GROWTH RATING 1..100 | 97 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ASB's Valuation (25) in the Regional Banks industry is in the same range as PNC (56) in the Major Banks industry. This means that ASB’s stock grew similarly to PNC’s over the last 12 months.
ASB's Profit vs Risk Rating (37) in the Regional Banks industry is in the same range as PNC (53) in the Major Banks industry. This means that ASB’s stock grew similarly to PNC’s over the last 12 months.
PNC's SMR Rating (6) in the Major Banks industry is in the same range as ASB (22) in the Regional Banks industry. This means that PNC’s stock grew similarly to ASB’s over the last 12 months.
PNC's Price Growth Rating (21) in the Major Banks industry is in the same range as ASB (44) in the Regional Banks industry. This means that PNC’s stock grew similarly to ASB’s over the last 12 months.
PNC's P/E Growth Rating (45) in the Major Banks industry is somewhat better than the same rating for ASB (97) in the Regional Banks industry. This means that PNC’s stock grew somewhat faster than ASB’s over the last 12 months.
| ASB | PNC | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 68% | 2 days ago 62% |
| Stochastic ODDS (%) | 2 days ago 61% | 2 days ago 58% |
| Momentum ODDS (%) | 2 days ago 60% | 2 days ago 57% |
| MACD ODDS (%) | 2 days ago 53% | 2 days ago 43% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 57% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 52% |
| Advances ODDS (%) | 2 days ago 60% | 2 days ago 56% |
| Declines ODDS (%) | 25 days ago 61% | 8 days ago 60% |
| BollingerBands ODDS (%) | 2 days ago 70% | 2 days ago 67% |
| Aroon ODDS (%) | 2 days ago 52% | 2 days ago 45% |
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ASB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ASB has been closely correlated with FNB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if ASB jumps, then FNB could also see price increases.
PNC and
Correlation & Price change
A.I.dvisor indicates that over the last year, PNC has been closely correlated with USB. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if PNC jumps, then USB could also see price increases.