For the quarter ended June 2026, F.N.B. (FNB Quick QuoteFNB - Free Report) reported revenue of $462.67 million, up 5.6% over the same period last year. EPS came in at $0.42, compared to $0.36 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $467.96 million, representing a surprise of -1.13%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.42.

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.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

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: 53.7% versus 53.3% estimated by four analysts on average.
• Net Interest Margin: 3.3% versus 3.3% estimated by four analysts on average.
• Average Balance - Total interest earning assets: $45.18 billion versus $45.67 billion estimated by three analysts on average.
• Net charge-offs to average loans: 0.2% compared to the 0.2% average estimate based on three analysts.
• Total Non-Performing Loans: $110 million compared to the $119.46 million average estimate based on three analysts.
• Total Non-Performing Assets: $112 million compared to the $119.19 million average estimate based on two analysts.
• Total Non-Interest Income: $96.95 million versus the four-analyst average estimate of $94.58 million.
• Insurance commissions and fees: $5.41 million versus $5.13 million estimated by three analysts on average.
• Net Interest Income: $365.72 million versus $372.67 million estimated by three analysts on average.
• Bank owned life insurance: $5.33 million versus the three-analyst average estimate of $4.36 million.
• Capital markets income: $8.01 million versus $7.3 million estimated by three analysts on average.
• Trust services: $12.57 million compared to the $12.65 million average estimate based on three analysts.

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

Shares of F.N.B. have returned +5.4% over the past month versus the Zacks S&P 500 composite's +0.5% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.