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F.N.B. Corporation Misses Q3 2026 Revenue Estimates as EPS Matches Forecasts

MixedMedium impact
FNB$16.96 −1.57%

Regional financial institution F.N.B. Corporation (NYSE:FNB) reported Q3 2026 revenue of $469.1 million, up 1.9% year over year but below analyst expectations of $477.7 million. Adjusted earnings per share reached $0.43, matching Wall Street estimates. Net interest income rose 4.8% to $376.5 million, slightly behind forecasts, while net interest margin came in as expected at 3.3%.

The revenue shortfall highlights ongoing top-line growth deceleration for the regional bank, whose two-year annualized revenue growth of 6.2% sits below its five-year historical average. Despite slower revenue expansion, underlying banking operations remained active, driving 8.5% annualized loan growth and 8.9% annualized deposit growth across its regional branch footprint.

Going forward, market participants will watch whether F.N.B. Corporation can maintain deposit momentum and execute on strategic technology investments to expand market share. Investors will also track progress toward analyst consensus expectations of reaching $13.63 in tangible book value per share over the next 12 months.

Key points

  • F.N.B. Corporation Q3 2026 revenue grew 1.9% year-on-year to $469.1 million, missing estimates of $477.7 million.
  • Adjusted earnings per share hit $0.43, meeting consensus analyst expectations for the quarter.
  • Net interest income rose 4.8% to $376.5 million while net interest margin held steady at 3.3%.
  • Annualized loan growth reached 8.5% and annualized deposit growth rose to 8.9%.

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Questions and answers

Did F.N.B. Corporation miss revenue estimates in Q3 2026?

Yes, F.N.B. Corporation reported Q3 2026 revenue of $469.1 million, missing the Wall Street consensus estimate of $477.7 million.

What were F.N.B. Corporation's Q3 2026 earnings per share?

F.N.B. Corporation reported adjusted earnings of $0.43 per share, which matched analyst estimates.

What was F.N.B. Corporation's loan and deposit growth in Q3 2026?

F.N.B. Corporation reported annualized loan growth of 8.5% and annualized deposit growth of 8.9% for the quarter.