$FNB

F.N.B. GAAP EPS of $0.43 in-line, revenue of $469.1M misses by $7.1M (NYSE:FNB)

F.N.B. Corporation reported Q3 GAAP EPS of $0.43, meeting expectations, while revenue of $469.1M missed estimates by $7.1M, up 2.5% year-over-year. The stock fell 0.53% after hours.

Original reporting
Published Oct 19, 2026, 8:35 PM UTC
Analysis
AlphAI AI DeskAI-generated
Added to AlphAI Oct 19, 2026, 8:39 PM UTC. Informational, not investment advice.
How this was made
AlphAI summarizes source reporting and applies a structured AI analysis for relevance, timing, sentiment and ticker impact. Always verify material claims with the original publisher.
AlphAI market briefEarnings
Primary signal
$FNB
Bearish
high confidence
Mentioned
$FNB
Relevance
7/10
AlphAI data visualization · based on seekingalpha.com
Decision brief

The 30-second read

$FNBBearishMed
01

Why it matters

Earnings miss may trigger short‑term price pressure but the in‑line EPS could limit downside.

02

Market read

Earnings release provides fresh data for traders; modest impact on banking sector.

03

What to watch

Potential cost controls or upcoming loan growth could offset the revenue shortfall.

Relevance 7/10Novelty 7/10Timing: after-hours release

Background

F.N.B. Corporation is a regional bank listed on NYSE under ticker FNB.

Company-level read

Ticker impact

$FNBBearishHigh confidence
Context

F.N.B. reported Q3 GAAP EPS of $0.43 in line and revenue of $469.1M, missing estimates by $7.1M.

Expected impact

likely slight downside as market prices in the revenue miss

Evidence & confidence

Revenue fell short of expectations; EPS was in line, but the miss signals weaker top-line growth.

Market effects

Regional banks may face pressure if revenue misses become common.

U.S. banking sector could see modest pullback.

Limited to U.S. financial markets.

Counterpoint

The in‑line EPS suggests profitability remains stable; the revenue miss may be temporary.

Key entities

  • F.N.B. Corporation

    Regional bank reporting Q3 2026 earnings.

Related articles

$FNBHighAI 8/10

FNB (FNB) Q3 2026 Earnings Call Transcript

FNB reported Q3 2026 earnings with tangible book value per share up 7% YoY to $12.28. Total loans grew 8.5% linked-quarter to $36.5B, outpacing industry. Deposits rose 9% linked-quarter, with non-interest-bearing deposits at 26% of total. Net interest margin increased 4bps to 3.29%. Fee income grew, driven by wealth advisory and investment banking. Credit quality remained strong, with net charge-offs at 12bps. Management maintained guidance, citing robust loan pipelines.

$FNBHigh

What F.N.B. (FNB) Said on Its Q3 Earnings Call

F.N.B. (FNB) reported Q3 earnings with a loan-to-deposit ratio of 92.4% and a net interest margin of 3.28%. The company expects margin to increase in Q4. Credit metrics remained low, with delinquencies at 75 basis points and nonperforming loans at 33 basis points. Non-interest income was $93 million, up from the prior year. FNB repurchased $51 million in shares during Q3. The company updated its 2026 outlook, maintaining mid-single-digit growth expectations for loans and deposits.

$FNBMed

F.N.B. Corporation (FNB) Stock Trades Up, Here Is Why

F.N.B. Corporation (FNB) shares rose 2.7% after reporting Q3 2026 net income of $152.9M. The company reported record net interest income of $376.5M, up 4.8% YoY, and loan growth of 8.5%. Total revenue was $469.1M, below estimates, while adjusted EPS matched expectations at 43 cents. Shares traded at $17.42, still 10.6% below the 52-week high.

$FNBMed

FNB Reports Nearly $153M in Net Income in Third Quarter

F.N.B. Corp. reported Q3 2026 net income of $152.9M, up from $149.5M in Q3 2025. Net interest income rose to $376.5M, while noninterest income fell 5.7% to $92.6M. Loans and deposits grew 3.7% and 8.9% year-over-year, respectively. CEO Vince Delie highlighted record net interest income and expanded net interest margin.