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

Core Insights - F.N.B. reported revenue of $457.44 million for the quarter ended September 2025, reflecting a year-over-year increase of 10.8% and surpassing the Zacks Consensus Estimate of $443.13 million by 3.23% [1] - Earnings per share (EPS) for the quarter was $0.41, up from $0.34 in the same quarter last year, resulting in an EPS surprise of 10.81% compared to the consensus estimate of $0.37 [1] Financial Metrics - Efficiency Ratio stood at 52.4%, better than the average estimate of 54.5% from four analysts [4] - Net Interest Margin was reported at 3.3%, exceeding the average estimate of 3.2% from four analysts [4] - Net charge-offs to average loans were 0.2%, matching the average estimate from three analysts [4] - Average Balance of Total Interest Earning Assets was $44.48 billion, slightly above the estimated $44.13 billion from two analysts [4] - Total Non-Performing Loans amounted to $125 million, close to the average estimate of $126.12 million from two analysts [4] - Total Non-Interest Income reached $98.17 million, surpassing the average estimate of $90.07 million from four analysts [4] - Mortgage Banking Operations generated $9.18 million, significantly higher than the average estimate of $6.24 million from three analysts [4] - Net Interest Income was reported at $359.27 million, exceeding the average estimate of $353.08 million from three analysts [4] - Bank Owned Life Insurance income was $4.21 million, slightly below the average estimate of $4.22 million from two analysts [4] - Capital Markets Income was $7.88 million, above the estimated $7.03 million from two analysts [4] - Trust Services income was $11.65 million, compared to the average estimate of $11.46 million from two analysts [4] - Other Non-Interest Income was reported at $9.17 million, significantly higher than the average estimate of $4.61 million from two analysts [4] Stock Performance - F.N.B. shares have returned -2.8% over the past month, contrasting with the Zacks S&P 500 composite's increase of 0.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]