The EPS miss vs consensus is a near-term negative, but record revenue and strong YoY earnings growth provide a floor. Monitor the conference call for guidance on net interest margin trajectory and loan growth sustainability, as the stable NIM at 3.25% and 6.9% annualized linked-quarter loan growth are key positives.
Price Chart
Executive Summary
F.N.B. Corporation reported Q2 2026 EPS of $0.42, missing the consensus estimate of $0.45 by 7.0%, though revenue of $462.7M was not directly comparable to the $483.2M consensus. Despite the EPS miss, the bank posted record revenue, 16.7% YoY EPS growth, and strong credit metrics, creating a mixed picture for traders.
Key Financial Metrics
Key Facts
- EPS of $0.42 missed consensus of $0.45 by 7.0%
- Record revenue of $462.7M, up 9.2% YoY from $423.7M
- Net income of $148.7M vs $130.7M in Q2 2025, up 13.8%
- Net interest margin (FTE) stable at 3.25%
- Tangible book value per share rose 9.9% YoY to $12.24
- Repurchased $47M of common stock during the quarter
- Non-performing loans ratio improved to 0.31% from 0.34% YoY
Financial Impact
EPS miss of $0.03 vs consensus, but revenue grew 9.2% YoY to a record $462.7M
Risk Factors
- EPS miss of 7% vs consensus could pressure the stock near-term
- Net charge-offs increased to $17.0M from $15.9M in the prior quarter
- Loan-to-deposit ratio rose to 92.5% from 90.3% linked-quarter, indicating tighter liquidity
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-prn-302827982 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | Institutional Cluster | $18.18 | awaiting T+5 | — | $18.33 (+0.83%) |
Oct 20, 2026 7d ago | 8-K | $17.66 $18.24 | ▼ −3.28% | ▼ −3.20% | $18.33 (−3.79%) |
Oct 19, 2026 8d ago | Press Release | $17.66 $18.24 | ▲ +3.28% | ▲ +3.20% | $18.33 (+3.79%) |
Sep 29, 2026 28d ago | Press Release | $17.32 $17.28 | ▼ −0.23% | ▼ −2.18% | $18.33 (+5.83%) |
Jul 29, 2026 12w ago | Press Release | $19.00 $19.21 | ▲ +1.11% | ▼ −4.42% | $18.33 (−3.53%) |
Jul 17, 2026 14w ago | 8-K | $19.16 $18.87 | ▲ +1.51% | ▲ +0.83% | $18.33 (+4.33%) |
Jul 16, 2026 14w ago | Press Release | $19.16 $18.87 | ▼ −1.51% | ▼ −0.83% | $18.33 (−4.33%) |
Apr 17, 2026 27w ago | 8-K | $17.94 $17.52 | ▲ +2.34% | ▲ +2.90% | $18.33 (−2.17%) |
Mar 25, 2026 30w ago | DEFA14A | $16.49 $16.90 | ▲ +2.49% | ▲ +2.73% | $18.33 (+11.16%) |
US Market Status
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