F.N.B. (FNB) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Adjusted EPS
- $0.43
- Estimate
- $0.43
- Surprise
- -0.8%
- Score at report (before → after)
- 5.7 → 6.0/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
F.N.B. (FNB) reported adjusted EPS of $0.43, in line with the $0.43 estimate. TrendMatrix's engine moved from Buy (Wait) (5.7/10) to Hold at 6.0/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates FNB Hold at 6.0/10.
1 of the last 4 quarters beat the estimate; this quarter's -0.8% surprise compares with a +5.3% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Thin upside margin: 5.4%
- V7 low-quality RISK_OFF penalty: -0.5 (Q=5.4)
- Momentum score 4.2/10 — below 4.5 minimum
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $16.96
- Price target
- $17.88
- Stop
- $16.30
- Upside to target
- +5.4%
- Reward-to-risk
- 1.1:1
At 10.2× trailing and 9.0× forward earnings, consensus estimates imply little change in earnings power.
Risk check: trading volume is running 1.6× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-10-20 — shown for context, not personalized investment advice.
FNB at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $5.99B
- P/E (fwd)
- 9.0
- P/E (ttm)
- 10.2
- 52-week range
- $15.19–$19.59
- Off 52-week high
- 13.4%
- RSI (14)
- 41
- Volume vs avg
- 1.56×
- Score today
- 6.0/10