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FNB (FNB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 3, 2026 · FNB (FNB) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $469M · 33¢ of every $1 of revenue kept as net profit · operating margin 41.2%
FNB made $469M in Q3 2026 (+3% Y/Y): Net interest income $376M, Noninterest income $93.0M. Operating margin 41.2%, net earnings $153M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 3, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $469.0M in Q3 2026, up 3% year over year and up 1% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $17.0M year over year (up 5%), 142% of the total change. Noninterest income declined 5%.
Operating profit was $193.0M, a 41.2% margin (down 0.4 points year over year). Of the extra revenue versus a year earlier, 25% reached operating profit, below the 42% margin then. Total costs grew 3% against revenue growth of 3%. Net earnings were $153.0M, up 2% year over year. The effective tax rate was 20.7%.
Operating cash flow was $291.0M (up 74% year over year), 190% of net earnings. Non-cash charges added back $23.0M of depreciation and amortization. Working capital and other items added $115.0M. Capital expenditures of $41.0M left free cash flow of $250.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 3, 2026 | $469M | +3% | 41.2% | $153M | $291M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About FNB
We are a Pennsylvania corporation, a bank holding company and a financial holding company. We are incorporated under the laws of the Commonwealth of Pennsylvania, and through our subsidiaries, we have been in business since 1864. Our headquarters is located at 626 Washington Place, Pittsburgh, Pennsylvania 15219. As a diversified financial services holding company, FNB, through our subsidiaries, provides a full range of financial services, principally to consumers, corporations, governments and small- to medium-sized businesses in our market areas through our subsidiary network, which is led by our largest subsidiary, FNBPA. Our business strategy focuses primarily on providing quality, consumer- and commercial-based financial services adapted to the needs of each of the markets we serve.
In its own words, from its 10-K, filed Feb 24, 2026.
FNB against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +6%. Operating margin: 41.2% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| FNB FNB | Q3 2026 | $469M | +3% | 41.2% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: FNB 10-Q on SEC EDGAR · CIK 37808 · National Commercial Banks
Guidance and outlook
13F: who owns FNB and who is buying
More on FNB
History
Every quarter: Q3 2026 results