F.N.B. (FNB Quick QuoteFNB - Free Report) reported $438.21 million in revenue for the quarter ended June 2025, representing a year-over-year increase of 8.5%. EPS of $0.36 for the same period compares to $0.34 a year ago.

The reported revenue represents a surprise of +4.13% over the Zacks Consensus Estimate of $420.82 million. With the consensus EPS estimate being $0.33, the EPS surprise was +9.09%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how F.N.B. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 54.8% versus the three-analyst average estimate of 56.3%.
• Net Interest Margin: 3.2% versus the three-analyst average estimate of 3.1%.
• Average Balance - Total interest earning assets: $44.04 billion versus the two-analyst average estimate of $43.87 billion.
• Total Non-Performing Loans: $117 million versus $171.33 million estimated by two analysts on average.
• Net charge-offs to average loans: 0.3% versus 0.2% estimated by two analysts on average.
• Mortgage banking operations: $6.31 million compared to the $7.62 million average estimate based on three analysts.
• Total Non-Interest Income: $91.02 million versus the three-analyst average estimate of $89.16 million.
• Insurance commissions and fees: $5.11 million versus $5.43 million estimated by two analysts on average.
• Net Interest Income: $347.2 million compared to the $332.4 million average estimate based on two analysts.
• Bank owned life insurance: $3.84 million compared to the $5.14 million average estimate based on two analysts.
• Capital markets income: $6.9 million compared to the $5.13 million average estimate based on two analysts.
• Trust services: $11.59 million versus the two-analyst average estimate of $11.82 million.

View all Key Company Metrics for F.N.B. here>>>

Shares of F.N.B. have returned +12.6% over the past month versus the Zacks S&P 500 composite's +4.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.