FNB(US:FNB) ZACKSยท2025-07-17 23:00Core Insights - F.N.B. reported revenue of $438.21 million for Q2 2025, an 8.5% year-over-year increase, with EPS of $0.36 compared to $0.34 a year ago, exceeding Zacks Consensus Estimates [1] - The revenue surprise was +4.13% over the estimated $420.82 million, while the EPS surprise was +9.09% over the consensus estimate of $0.33 [1] Financial Performance Metrics - Efficiency Ratio stood at 54.8%, better than the average estimate of 56.3% from three analysts [4] - Net Interest Margin was 3.2%, surpassing the average estimate of 3.1% from three analysts [4] - Average Balance of Total Interest Earning Assets was $44.04 billion, exceeding the average estimate of $43.87 billion from two analysts [4] - Total Non-Performing Loans were reported at $117 million, significantly lower than the estimated $171.33 million [4] - Net charge-offs to average loans were 0.3%, slightly above the estimated 0.2% [4] - Mortgage banking operations generated $6.31 million, below the average estimate of $7.62 million [4] - Total Non-Interest Income was $91.02 million, exceeding the average estimate of $89.16 million [4] - Insurance commissions and fees were $5.11 million, slightly below the estimated $5.43 million [4] - Net Interest Income reached $347.2 million, higher than the average estimate of $332.4 million [4] - Bank owned life insurance income was $3.84 million, below the average estimate of $5.14 million [4] - Capital markets income was $6.9 million, exceeding the average estimate of $5.13 million [4] - Trust services income was $11.59 million, slightly below the average estimate of $11.82 million [4] Stock Performance - F.N.B. shares returned +12.6% over the past month, outperforming the Zacks S&P 500 composite's +4.2% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for near-term outperformance against the broader market [3]