F.N.B. (FNB) reported $450.26 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 9.4%. EPS of $0.38 for the same period compares to $0.32 a year ago.
The reported revenue represents a surprise of -0.97% over the Zacks Consensus Estimate of $454.67 million. With the consensus EPS estimate being $0.38, the EPS surprise was -0.52%.
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: 56.1% versus 55.7% estimated by four analysts on average. Net Interest Margin: 3.3% versus the four-analyst average estimate of 3.3%. Average Balance - Total interest earning assets: $44.95 billion versus the three-analyst average estimate of $44.94 billion. Net charge-offs to average loans: 0.2% versus 0.2% estimated by three analysts on average. Total Non-Performing Loans: $118 million versus the three-analyst average estimate of $105.94 million. Total Non-Performing Assets: $121 million versus the two-analyst average estimate of $106.92 million. Total Non-Interest Income: $90.99 million versus the four-analyst average estimate of $92.24 million. Net interest income (FTE): $362.42 million compared to the $363.96 million average estimate based on three analysts. Bank owned life insurance: $4.11 million versus $4.22 million estimated by three analysts on average. Mortgage banking operations: $6.35 million versus the three-analyst average estimate of $6.48 million. Trust services: $12.83 million versus the three-analyst average estimate of $12.38 million. Insurance commissions and fees: $6.22 million versus the three-analyst average estimate of $5.67 million.View all Key Company Metrics for F.N.B. here>>>
Shares of F.N.B. have returned +13% over the past month versus the Zacks S&P 500 composite's +6% 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.Zacks' Research Chief Picks Stock Most Likely to "At Least Double"
Our experts have revealed their Top 5 recommendations with money-doubling potential – and Director of Research Sheraz Mian believes one is superior to the others. Of course, all our picks aren’t winners but this one could far surpass earlier recommendations like Hims & Hers Health, which shot up +209%.
See Our Top Stock to Double (Plus 4 Runners Up) >>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 Report
This article originally published on Zacks Investment Research (zacks.com).