Pre-earnings brief
Reports
Mon, Oct 19, 2026
Est. EPS
$0.43
Est. revenue
$476M
Implied move
±8.1%
EPS beat rate
50%
F.N.B. Corporation is a regional bank focused on providing a range of financial services, including commercial and retail banking. With a market cap of $6 billion, it plays a significant role in the financial sector, particularly as consumer spending and interest rates fluctuate.
Last quarter
In Q2 2026, F.N.B. Corporation reported an EPS of $0.42, matching analyst expectations. The stock saw a modest increase of 2.15% the following day.
EPS beat streak
0Q
EPS beat rate
50%
Avg EPS surprise
+3.61%
Avg 1-day reaction
-1.07%
Analysts expect F.N.B. Corporation to report steady earnings and revenue, with a consensus EPS of $0.43 and revenue of $476 million. The market is watching closely for any signs of growth or challenges.
Bull case
If F.N.B. exceeds EPS expectations and shows strong revenue growth, it could indicate robust demand for its services, leading to a positive market reaction.
Bear case
Conversely, if the company fails to meet earnings expectations or shows signs of declining revenue, it could raise concerns about its future performance, leading to a negative response.
Key metrics to watch
Earnings Per Share (EPS)
$0.43EPS is a key indicator of the company's profitability and financial health, which investors closely monitor.
Revenue
$476MRevenue growth reflects the bank's ability to attract and retain customers, which is crucial for its overall performance.
The print will turn on these.
Q1
Will the EPS exceed the consensus estimate of $0.43?
A beat on EPS could signal strong operational performance and boost investor confidence.
Q2
What is the revenue outlook compared to the consensus of $476 million?
Revenue performance is critical for assessing the bank's growth trajectory and market position.
—
Est. EPS
$1.94
Est. Rev
$188M
Impl. Move
±4.9%
Why consensus could be wrong
The consensus may underestimate the bank's ability to manage costs effectively, leading to better-than-expected margins.
Supporting evidence
F.N.B. has historically beaten EPS estimates 63% of the time, indicating potential for positive surprises.
The options market's implied move of 8.89% suggests traders expect significant volatility, which could favor a positive outcome.
Key risk
If the EPS comes in below $0.42, it could challenge the current positive sentiment around the stock.
Pre-commit to what would confirm each case.
The market is debating whether F.N.B. can sustain its earnings momentum amid economic pressures.
Bull confirmed if
An EPS of $0.44 or higher would confirm strong profitability and growth potential.
Bear confirmed if
An EPS below $0.42 would indicate potential challenges in maintaining profitability.
What the market is pricing for the move.
Implied Move
±8.89%
Historical Avg
±2.3%
The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings report.
Options are pricing ±8.1% while FNB has averaged ±2.3% over the last 8 prints — setup is pricing rich.
ATM IV
0.3%
30d HV
17.7%
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 F.N.B. beats expectations, history suggests the stock could rise by around 2.29%, confirming a positive outlook.
In line / cautious
If results are in line with expectations, the stock may see a muted reaction as investors await further guidance.
Miss
A miss on earnings could lead to a decline of about 1.55%, reflecting concerns about the bank's performance.
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.