- Earnings Per Share (EPS) of $0.41, beating the estimated $0.37, marking a 10.81% earnings surprise.
- Revenue for Q3 2025 reached approximately $457.4 million, surpassing the estimated $446.7 million.
- Net Income available to common shareholders increased to $149.5 million from $110.1 million in Q3 2024.
F.N.B. Corporation (NYSE:FNB) is a financial services company that provides a range of banking, trust, and insurance services. It operates primarily in the United States, competing with other financial institutions like PNC Financial Services and Citizens Financial Group. FNB’s recent financial performance highlights its strong position in the market.
On October 16, 2025, FNB reported earnings per share (EPS) of $0.41, surpassing the estimated $0.37. This result represents a 10.81% earnings surprise, as highlighted by Zacks. The company has consistently exceeded consensus EPS estimates over the past four quarters, demonstrating its ability to outperform market expectations.
FNB’s revenue for the third quarter of 2025 was approximately $457.4 million, exceeding the estimated $446.7 million. This marks a 3.23% revenue surprise, as noted by Zacks, and a significant increase from the $413.02 million reported in the same period last year. The company has outperformed consensus revenue estimates in three of the last four quarters.
The company’s net income available to common shareholders for this quarter was $149.5 million, up from $110.1 million in the third quarter of 2024. This growth in net income reflects FNB’s strong financial performance and ability to generate higher profits year-over-year.
FNB’s financial metrics indicate a solid valuation. With a price-to-earnings (P/E) ratio of approximately 11.26 and a price-to-sales ratio of about 2.01, the company is valued reasonably in the market. The debt-to-equity ratio of approximately 0.66 suggests a balanced approach to financing, while the current ratio of around 0.16 indicates the company’s ability to meet short-term liabilities.
