F.N.B. (FNB) reported $411.61 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 1.2%. EPS of $0.32 for the same period compares to $0.34 a year ago.

The reported revenue represents a surprise of +0.54% over the Zacks Consensus Estimate of $409.41 million. With the consensus EPS estimate being $0.30, the EPS surprise was +6.67%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how F.N.B. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency Ratio: 58.5% versus the four-analyst average estimate of 59.3%.
• Net Interest Margin: 3% versus 3.1% estimated by four analysts on average.
• Average Balance - Total interest earning assets: $43.44 billion compared to the $43.04 billion average estimate based on three analysts.
• Total Non-Performing Loans: $161 million versus the two-analyst average estimate of $141.10 million.
• Net charge-offs to average loans: 0.2% compared to the 0.2% average estimate based on two analysts.
• Total Non-Interest Income: $87.77 million versus the four-analyst average estimate of $87.80 million.
• Mortgage banking operations: $6.99 million compared to the $6.48 million average estimate based on four analysts.
• Net Interest Income: $323.85 million versus $320.81 million estimated by three analysts on average.
• Capital markets income: $5.32 million versus $6.59 million estimated by three analysts on average.
• Trust services: $12.40 million compared to the $11.73 million average estimate based on three analysts.
• Insurance commissions and fees: $5.79 million compared to the $5.77 million average estimate based on three analysts.
• Net interest income (FTE): $326.83 million versus the three-analyst average estimate of $324.07 million.

View all Key Company Metrics for F.N.B. here>>>

Shares of F.N.B. have returned -9.6% over the past month versus the Zacks S&P 500 composite's -4.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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