Post-earnings recap
Reported
Thu, Jul 16, 2026
EPS actual
$0.42
EPS est.
$0.42
EPS surprise
+0.00%
1-day move
+2.15%
F.N.B. Corporation is a regional bank that provides a range of financial services including banking, investment, and insurance. As part of the financial sector, it plays a crucial role in supporting local economies and consumer spending.
Last quarter
In the last quarter, FNB reported an EPS of $0.38, matching analyst expectations but showing a slight decline in stock price the following day. The company did not provide specific revenue figures.
EPS beat streak
0Q
EPS beat rate
50%
Avg EPS surprise
+3.61%
Avg 1-day reaction
-1.07%
Analysts expect FNB to report steady earnings this quarter, with a consensus EPS of $0.42. Investors are watching closely for any signs of growth in revenue and profitability.
Bull case
If FNB can exceed the EPS estimate and show strong revenue growth, it may signal a positive trend in the bank's operations and attract more investors.
Bear case
Conversely, if FNB misses the EPS target or shows weak revenue performance, it could raise concerns about the bank's ability to navigate economic challenges.
Key metrics to watch
EPS
$0.42Earnings per share is a key indicator of the company's profitability and financial health.
Revenue
$467MTotal revenue shows how well the company is generating income from its operations.
The print will turn on these.
Q1
Will FNB's EPS exceed the consensus estimate of $0.42?
A beat on EPS could indicate stronger profitability and may lead to a positive market reaction.
Q2
What are the revenue figures and growth trends for this quarter?
Understanding revenue performance is crucial for assessing the bank's operational health and future outlook.
—
Est. EPS
—
Est. Rev
—
Impl. Move
±5.0%
Why consensus could be wrong
The consensus may underestimate the potential for FNB to outperform in a challenging economic environment, especially given its recent EPS surprises.
Supporting evidence
FNB has a 50% EPS beat rate, indicating potential for positive surprises.
The options market is pricing a larger move than historical averages, suggesting heightened expectations.
Recent trends show that the bank has been able to navigate economic pressures better than peers.
Key risk
If revenue growth significantly outpaces expectations, it could lead to a reevaluation of the bank's growth potential.
Pre-commit to what would confirm each case.
The market is weighing the potential for FNB to either maintain or improve its earnings amid economic pressures.
Bull confirmed if
An EPS of $0.43 or higher would confirm the bull case.
Bear confirmed if
An EPS below $0.41 would confirm the bear case.
What the market is pricing for the move.
Implied Move
±12.44%
Historical Avg
±2.3%
The options market is pricing in a significant potential move in either direction, indicating uncertainty about the upcoming earnings report.
Options are pricing ±12.4% while FNB has averaged ±2.3% over the last 8 prints — setup is pricing rich.
ATM IV
0.4%
30d HV
20.6%
Cross-company pattern from 30 similar setups.
Prior-quarter miss + options pricing rich in Financials
Fade rate: 11 of 30 (37%)
This setup has occurred 30 times across Financials in the last 2 years. 19 of 30 (63%) held or extended their move within 5 days — this setup typically holds direction. The average absolute 1-day move is 2.7%, with a raw directional average of +0.1% (roughly flat historical bias).
Smart-money positioning from the most recent 13F filings.
Institutional
94.61%
of float
Insider
1.51%
of float
Holders
651
institutions
Top Holders· as of Jun 2026
Blackrock Inc.
46,720,806 sh · $797.5M
13.24%
4.8%
Likely market behavior by outcome. Not investment advice.
Beat & raise
If FNB beats expectations, history suggests the stock could move up by around 2.11%, confirming a positive outlook.
In line / cautious
If results are in line with expectations, the stock may experience a muted reaction as investors await further guidance.
Miss
A miss could lead to a decline of approximately 1.34%, reflecting investor disappointment.
The lines on the call that would change the story.
FMR, LLC
26,757,771 sh · $456.8M
7.58%
11.7%
Dimensional Fund Advisors LP
20,099,642 sh · $343.1M
5.69%
1.1%
Vanguard Portfolio Management LLC
20,044,699 sh · $342.2M
5.68%
1.9%
Fuller & Thaler Asset Management Inc.
16,708,254 sh · $285.2M
4.73%
-6.5%
13F filings updated quarterly. Position deltas show change in shares vs. the prior quarter.