The miss against consensus is the headline event, but underlying fundamentals (YoY growth, asset quality, capital) remain solid. Monitor the conference call for any forward guidance on NIM and loan growth; a lack of explicit guidance may amplify the negative reaction.
Price Chart
Executive Summary
FNB reported Q2 2026 EPS of $0.42, missing the $0.45 consensus by 7%, and revenue of $462.7M, missing the $483.2M estimate by 4.2%. YoY EPS grew 16.7% and revenue grew 5.6%, but the headline miss vs. expectations is likely to drive short-term selling pressure.
Key Financial Metrics
Key Facts
- GAAP diluted EPS $0.42 vs consensus $0.45 (-7% miss)
- Record revenue $462.7M vs consensus $483.2M (-4.2% miss)
- EPS +16.7% YoY ($0.36 in Q2 2025), revenue +5.6% YoY
- Net interest margin (FTE) stable at 3.25%
- Non-performing loans at 0.31% of total loans, improved from 0.34% prior quarter
- CET1 ratio 11.4%, shares repurchased $47M in Q2
Financial Impact
EPS and revenue miss of 7% and 4% respectively could lead to a 2-4% stock decline in the near term.
Risk Factors
- Continued margin compression from lower interest rates
- Loan growth sustainability in a slowing economy
- Potential analyst downgrades following the miss
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0000037808-26-000023 |
| Document: fnb-20260716.htm | 0000037808-26-000023 |
| Document: 0000037808-26-000023-index-headers.html | 0000037808-26-000023 |
| Document: 0000037808-26-000023-index.html | 0000037808-26-000023 |
| Document: 0000037808-26-000023.txt | 0000037808-26-000023 |
| 8-K Data (Synthetic) | 0000037808-26-000023 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | Institutional Cluster | $18.18 | awaiting T+5 | — | $18.24 (+0.33%) |
Oct 20, 2026 7d ago | 8-K | $17.66 $18.24 | ▼ −3.28% | ▼ −3.20% | $18.24 (−3.28%) |
Oct 19, 2026 8d ago | Press Release | $17.66 $18.24 | ▲ +3.28% | ▲ +3.20% | $18.24 (+3.28%) |
Sep 29, 2026 28d ago | Press Release | $17.32 $17.28 | ▼ −0.23% | ▼ −2.18% | $18.24 (+5.31%) |
Jul 29, 2026 12w ago | Press Release | $19.00 $19.21 | ▲ +1.11% | ▼ −4.42% | $18.24 (−4.00%) |
Jul 17, 2026 14w ago | 8-K | $19.16 $18.87 | ▲ +1.51% | ▲ +0.83% | $18.24 (+4.80%) |
Jul 16, 2026 14w ago | Press Release | $19.16 $18.87 | ▼ −1.51% | ▼ −0.83% | $18.24 (−4.80%) |
Apr 17, 2026 27w ago | 8-K | $17.94 $17.52 | ▲ +2.34% | ▲ +2.90% | $18.24 (−1.67%) |
Mar 25, 2026 30w ago | DEFA14A | $16.49 $16.90 | ▲ +2.49% | ▲ +2.73% | $18.24 (+10.61%) |
US Market Status
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