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Call sheet · Q3'26

F.N.B. (FNB)

Q3'26 earnings call · held October 20, 2026 · compared with the Q2'26 call · management-credibility review
8/12
Disclosure score
3 medium, 1 low flags
Financial quality
Bottom line
FNB delivered $377M of NII and $93M of non-interest income, both within the prior quarterly ranges. Full-year guidance upper ends nevertheless narrowed. Loan growth and lower charge-offs are positives, while fee recovery and criticized-loan resolutions remain the next tests. The early-2027 CRE balance-growth expectation has not moved.

The 30-second version

  • Record NII, but lower full-year ceilings
  • Loan growth and credit losses moved favorably
  • The fee recovery is a Q4 test

What changed this quarter

MetricQ2'26Q3'26Change
EPS$0.42, +17% YoY$0.43+2.4% sequentially; do not compare this rate with year-over-year growth
Net Income$149M$153M+2.7% QoQ
Revenue (total)$463M$469M+1.3% QoQ
Net Interest Income$366M$377M record+3% sequentially; within the prior quarterly guidance range
Non-Interest Income$97M$93M-4.1% QoQ, landed at bottom of prior guide
Net Interest Margin3.25%3.29%+4bps sequentially; management discussed SOFR and repricing effects
Efficiency Ratio53.7%53.7%Unchanged sequentially
Total Loans (spot)$35.8B, +7.5% annualized$36.5B, +8.5% annualized+100bps acceleration
Net Charge-offs19bps12bps-7bps improvement
Criticized Loansdeclined 68bps YoYincreased 40bps QoQQ3 increased 40bps; the quoted 68bps prior decline is year over year

Accountability tracked

6 new promises made2 narrative shifts flagged8 prior promises scored
Inside the full report
The complete write-up covers the full promise ledger with kept/missed calls, disclosure-quality scoring, the metrics-vanished check, verification items, and the questions to ask next quarter.
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Scores, kept-promise rates, and flags on this site reflect the author's opinion, applying a stated methodology to statements management made on public earnings calls. Informational and educational purposes only - not investment advice, a recommendation, or an offer to buy or sell any security. Sources believed reliable but not guaranteed; the author may hold positions in the securities discussed.

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