Core Viewpoint - Analysts project that F.N.B. (FNB) will report quarterly earnings of $0.41 per share, reflecting a 7.9% year-over-year increase, with revenues expected to reach $455.81 million, a 12% increase from the same quarter last year [1] Earnings Estimates - The consensus EPS estimate has remained unchanged over the last 30 days, indicating a reevaluation of initial estimates by analysts [1][2] - Changes in earnings estimates are crucial for predicting investor reactions to the stock [2] Key Metrics Forecast - Analysts expect 'Net Interest Margin' to reach 3.3%, up from 3.0% in the same quarter last year [4] - The 'Efficiency Ratio' is estimated at 53.3%, improved from 56.9% a year ago [4] - 'Average Balance - Total interest earning assets' is projected at $44.77 billion, compared to $42.67 billion last year [4] Loan and Income Estimates - 'Total Non-Performing Loans' are expected to be $129.32 million, down from $159.00 million a year ago [5] - 'Total Non-Interest Income' is forecasted to reach $89.94 million, compared to $84.90 million in the same quarter last year [5] Additional Income Metrics - 'Mortgage banking operations' are estimated at $6.69 million, slightly down from $6.97 million last year [6] - 'Net Interest Income' is projected to be $364.78 million, up from $322.22 million a year ago [6] - 'Net interest income (FTE)' is expected to reach $367.60 million, compared to $325.15 million last year [7] - 'Insurance commissions and fees' are projected at $4.21 million, down from $4.53 million a year ago [7] - 'Capital markets income' is estimated at $7.71 million, up from $6.57 million last year [7] - 'Securities commissions and fees' are expected to reach $8.89 million, compared to $6.99 million last year [8] - 'Trust services' are projected at $11.72 million, slightly up from $11.56 million a year ago [8] Stock Performance - F.N.B. shares have decreased by 2.1% over the past month, contrasting with the Zacks S&P 500 composite's increase of 2.1% [8]

F.N.B. Corporation Earnings Presentation Third Quarter 2025 October 17, 2025 Cautionary Statement Regarding Forward-Looking Information This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those that do not relate to historical facts and that are based on current assumptions, beliefs, estimates, expectations and projections, many of which, by their nature, are inherently uncertain and beyond our control ...

Core Insights - The upcoming earnings report for F.N.B. (FNB) is anticipated to show quarterly earnings of $0.33 per share, reflecting a 2.9% decline year-over-year, while revenues are expected to increase by 4.4% to $421.73 million [1] - Analysts have revised the consensus EPS estimate downward by 1.4% over the past 30 days, indicating a reassessment of initial projections [2] - The correlation between earnings estimate revisions and short-term stock price performance is well-documented, suggesting that these revisions are significant indicators for investor behavior [3] Financial Metrics - Analysts predict an 'Efficiency Ratio' of 56.2%, up from 54.4% in the same quarter last year [5] - The 'Net Interest Margin' is expected to remain stable at 3.1%, consistent with the previous year's figure [5] - The 'Average Balance - Total interest earning assets' is projected to reach $43.80 billion, an increase from $41.42 billion year-over-year [6] - 'Total Non-Performing Loans' are expected to rise to $157.76 million, compared to $108.00 million in the same quarter last year [6] - 'Mortgage banking operations' are estimated at $7.58 million, up from $6.96 million a year ago [7] - 'Total Non-Interest Income' is forecasted to be $89.13 million, slightly higher than $87.92 million reported last year [7] - 'Insurance commissions and fees' are expected to decrease to $5.48 million from $5.97 million in the previous year [8] - 'Net Interest Income' is projected to increase to $332.40 million from $315.89 million year-over-year [8] - 'Bank owned life insurance' is expected to reach $5.18 million, up from $3.42 million last year [9] - 'Capital markets income' is forecasted at $5.19 million, slightly above the previous year's $5.14 million [9] - 'Trust services' are expected to increase to $11.68 million from $11.48 million last year [9] - 'Other Non-Interest Income' is projected to decrease to $3.62 million from $3.75 million year-over-year [10] Stock Performance - F.N.B. shares have increased by 16% over the past month, outperforming the Zacks S&P 500 composite, which rose by 4% [10]