F.N.B. (FNB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

For the quarter ended December 2024, F.N.B. (FNB) reported revenue of $407.12 million, up 20.8% over the same period last year. EPS came in at $0.38, compared to $0.38 in the year-ago quarter.The reported revenue represents a surprise of -0.21% over the Zacks Consensus Estimate of $407.99 million. With the consensus EPS estimate being $0.33, the EPS surprise was +15.15%.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: 56.9% versus 55.7% estimated by four analysts on average. Net Interest Margin: 3% versus 3% estimated by four analysts on average. Average Balance - Total interest earning assets: $42.67 billion versus the three-analyst average estimate of $42.48 billion. Total Non-Performing Loans: $159 million versus $125.85 million estimated by two analysts on average. Net charge-offs to average loans: 0.2% versus the two-analyst average estimate of 0.2%. Total Non-Interest Income: $84.90 million versus $88.53 million estimated by four analysts on average. Mortgage banking operations: $6.97 million versus $7.01 million estimated by four analysts on average. Net Interest Income: $322.22 million compared to the $319.92 million average estimate based on three analysts. Capital markets income: $6.57 million compared to the $6.29 million average estimate based on three analysts. Trust services: $11.56 million versus the three-analyst average estimate of $11.02 million. Insurance commissions and fees: $4.53 million versus $4.82 million estimated by three analysts on average. Net interest income (FTE): $325.15 million compared to the $321.23 million average estimate based on three analysts. View all Key Company Metrics for F.N.B. here>>>Shares of F.N.B. have returned +6.6% over the past month versus the Zacks S&P 500 composite's +2.1% 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.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is among the most innovative financial firms. With a fast-growing customer base (already 50+ million) and a diverse set of cutting edge solutions, this stock is poised for big gains. Of course, all our elite picks aren’t winners but this one could far surpass earlier Zacks’ Stocks Set to Double like Nano-X Imaging which shot up +129.6% in little more than 9 months.Free: See Our Top Stock And 4 Runners UpWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report F.N.B. Corporation (FNB): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks