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.Free Report: Profiting from the 2nd Wave of AI ExplosionThe next phase of the AI explosion is poised to create significant wealth for investors, especially those who get in early. It will add literally trillion of dollars to the economy and revolutionize nearly every part of our lives.Investors who bought shares like Nvidia at the right time have had a shot at huge gains.But the rocket ride in the "first wave" of AI stocks may soon come to an end. The sharp upward trajectory of these stocks will begin to level off, leaving exponential growth to a new wave of cutting-edge companies.Zacks' AI Boom 2.0: The Second Wave report reveals 4 under-the-radar companies that may soon be shining stars of AI’s next leap forward.Access AI Boom 2.0 now, absolutely free >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report F.N.B. Corporation (FNB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks