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F.N.B. (FNB) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
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For the quarter ended September 2026, F.N.B. (FNB - Free Report) reported revenue of $469.12 million, up 2.6% over the same period last year. EPS came in at $0.43, compared to $0.41 in the year-ago quarter.
The reported revenue represents a surprise of -1.42% over the Zacks Consensus Estimate of $475.89 million. With the consensus EPS estimate being $0.43, the company has not delivered EPS surprise.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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: 53.7% compared to the 53.2% average estimate based on five analysts.
Net Interest Margin: 3.3% versus 3.3% estimated by five analysts on average.
Net charge-offs to average loans: 0.1% compared to the 0.2% average estimate based on four analysts.
Average Balance - Total interest earning assets: $45.99 billion compared to the $46.22 billion average estimate based on three analysts.
Total Non-Performing Loans: $119 million compared to the $111.31 million average estimate based on three analysts.
Total Non-Performing Assets: $121 million versus the two-analyst average estimate of $111.46 million.
Leverage Ratio: 9.3% versus the two-analyst average estimate of 9.2%.
Total Non-Interest Income: $92.6 million versus $96.94 million estimated by five analysts on average.
Insurance commissions and fees: $5.39 million versus the four-analyst average estimate of $5.12 million.
Net interest income (FTE): $379.67 million compared to the $380.26 million average estimate based on four analysts.
Securities commissions and fees: $9.13 million compared to the $9.58 million average estimate based on four analysts.
Mortgage banking operations: $5.57 million versus $6.79 million estimated by four analysts on average.
Shares of F.N.B. have returned -3.9% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
View the Zacks #1 Rank List
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F.N.B. (FNB) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
For the quarter ended September 2026, F.N.B. (FNB - Free Report) reported revenue of $469.12 million, up 2.6% over the same period last year. EPS came in at $0.43, compared to $0.41 in the year-ago quarter.
The reported revenue represents a surprise of -1.42% over the Zacks Consensus Estimate of $475.89 million. With the consensus EPS estimate being $0.43, the company has not delivered EPS surprise.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:View all Key Company Metrics for F.N.B. here>>>
Shares of F.N.B. have returned -3.9% over the past month versus the Zacks S&P 500 composite's +1.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.