Compared to Estimates, F.N.B. (FNB) Q3 Earnings: A Look at Key Metrics

For the quarter ended September 2025, F.N.B. (FNB) reported revenue of $457.44 million, up 10.8% over the same period last year. EPS came in at $0.41, compared to $0.34 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $443.13 million, representing a surprise of +3.23%. The company delivered an EPS surprise of +10.81%, with the consensus EPS estimate being $0.37.

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: 52.4% compared to the 54.5% average estimate based on four analysts.
• Net Interest Margin: 3.3% versus the four-analyst average estimate of 3.2%.
• Net charge-offs to average loans: 0.2% versus 0.2% estimated by three analysts on average.
• Average Balance - Total interest earning assets: $44.48 billion versus $44.13 billion estimated by two analysts on average.
• Total Non-Performing Loans: $125 million versus the two-analyst average estimate of $126.12 million.
• Total Non-Interest Income: $98.17 million compared to the $90.07 million average estimate based on four analysts.
• Mortgage banking operations: $9.18 million compared to the $6.24 million average estimate based on three analysts.
• Net Interest Income: $359.27 million versus the three-analyst average estimate of $353.08 million.
• Bank owned life insurance: $4.21 million versus the two-analyst average estimate of $4.22 million.
• Capital markets income: $7.88 million versus $7.03 million estimated by two analysts on average.
• Trust services: $11.65 million compared to the $11.46 million average estimate based on two analysts.
• Other Non-Interest Income: $9.17 million versus $4.61 million estimated by two analysts on average.

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

Shares of F.N.B. have returned -2.8% over the past month versus the Zacks S&P 500 composite's +0.9% 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.

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This article originally published on Zacks Investment Research (zacks.com).

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