F.N.B. (NYSE:FNB) Issues Earnings Results

F.N.B. (NYSE:FNB) posted its earnings results on Monday. The bank reported $0.43 earnings per share for the quarter, hitting analysts’ consensus estimates of $0.43, Zacks reports. The firm had revenue of $469.12 million for the quarter, compared to analysts’ expectations of $476.20 million. F.N.B. had a net margin of 22.46% and a return on equity of 9.12%. During the same quarter in the previous year, the firm posted $0.41 earnings per share.

F.N.B. Trading Up 4.1%

Shares of NYSE FNB opened at $17.65 on Wednesday. The company has a debt-to-equity ratio of 0.29, a quick ratio of 0.91 and a current ratio of 0.92. F.N.B. has a 52-week low of $15.19 and a 52-week high of $19.59. The firm has a 50 day moving average price of $17.99 and a two-hundred day moving average price of $18.13. The stock has a market cap of $6.23 billion, a P/E ratio of 10.38, a price-to-earnings-growth ratio of 0.74 and a beta of 0.87.

F.N.B. Dividend Announcement

The firm also recently announced a quarterly dividend, which was paid on Tuesday, September 15th. Shareholders of record on Tuesday, September 1st were issued a dividend of $0.13 per share. This represents a $0.52 dividend on an annualized basis and a yield of 2.9%. The ex-dividend date of this dividend was Tuesday, September 1st. F.N.B.’s payout ratio is presently 30.59%.

Insider Activity

In other news, insider Bryant Mitchell David sold 4,055 shares of F.N.B. stock in a transaction on Thursday, August 6th. The shares were sold at an average price of $19.25, for a total transaction of $78,058.75. Following the transaction, the insider owned 144,283 shares in the company, valued at approximately $2,777,447.75. The trade was a 2.73% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through the SEC website. Insiders own 1.50% of the company’s stock.

Analyst Ratings Changes

A number of research analysts have recently commented on the company. Wells Fargo & Company dropped their price target on F.N.B. from $22.00 to $21.00 and set an “overweight” rating for the company in a research note on Tuesday, September 29th. Weiss Ratings reissued a “buy (b)” rating on shares of F.N.B. in a report on Friday, September 4th. Bank of America restated a “neutral” rating and set a $19.00 price objective (down from $20.00) on shares of F.N.B. in a research report on Monday, July 20th. Wall Street Zen raised F.N.B. from a “sell” rating to a “hold” rating in a report on Saturday, August 15th. Finally, Piper Sandler reaffirmed an “overweight” rating on shares of F.N.B. in a report on Monday, July 20th. Five analysts have rated the stock with a Buy rating and two have assigned a Hold rating to the company. According to data from MarketBeat.com, the company presently has an average rating of “Moderate Buy” and a consensus price target of $20.33.

F.N.B. News Summary

Here are the key news stories impacting F.N.B. this week:

• Positive Sentiment: Core earnings met expectations and improved year over year. FNB reported third-quarter net income of $152.9 million, or $0.43 per diluted share, matching consensus and increasing from $0.41 a year earlier. F.N.B. Corporation Reports Third Quarter 2026 Earnings
• Positive Sentiment: Net interest income and operating growth were key positives. The bank reported record net interest income, helped by expansion in its net interest margin. Loan growth was 8.5% on an annualized basis and deposit growth was 8.9%, indicating continued balance-sheet momentum. Earnings call transcript: F.N.B. tops loan growth goals in Q3 2026
• Positive Sentiment: Management emphasized growth and technology investment. Executives highlighted business resilience and the rollout of an AI-driven financial platform, which could improve customer engagement and support longer-term efficiency if successfully implemented. F.N.B. rolling out AI-driven financial platform as bank touts tech advantage
• Neutral Sentiment: The earnings call offered a generally constructive long-term outlook. Analyst questions focused on loan growth, margins, credit quality and the bank’s technology strategy, making execution against these goals the main focus for investors. FNB Corporation’s Q3 earnings call: Our top 5 analyst questions
• Negative Sentiment: Revenue fell short of expectations. Quarterly revenue was $469.12 million versus the $476.20 million analyst consensus, potentially limiting the positive impact of the earnings beat narrative. FNB Corporation misses Q3 2026 sales expectations
• Negative Sentiment: Credit trends remain an item to monitor. FNB separately reported unaudited net loan charge-offs for the quarter. While the earnings release did not undermine the broader growth story, higher future credit losses could pressure profitability and bank valuations. F.N.B. Corporation Reports Unaudited Net Loan Charge-Offs

F.N.B. Company Profile

F.N.B. Corporation (NYSE: FNB) is a diversified financial services company headquartered in Pittsburgh, Pennsylvania. Through its principal subsidiary, First National Bank, the company provides banking, lending and wealth management services to individuals, families, businesses and government entities.

FNB’s offerings include checking and savings accounts, certificates of deposit, residential and consumer loans, commercial real estate and business lending, treasury management and cash-management services.