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FNB (FNB) guidance and outlook
FNB's 10-Q filed Nov 3, 2026 makes 11 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 3, 2026
- Our results of operations for the nine months ended September 30, 2026 are not necessarily indicative of results expected for the full year.
- At September 30, 2026 and December 31, 2025, we utilized a third-party consensus macroeconomic forecast reflecting the current and projected macroeconomic environment.
- For our ACL calculation at September 30, 2026, the macroeconomic variables that we utilized included, but were not limited to: (i) the purchase only Housing Price Index, which increases 4.1% over our R&S forecast period, (ii) a CRE Price Index, which increases 1.1% over our R&S forecast period, (iii) S&P Volatility,
- Macroeconomic variables that we utilized for our ACL calculation as of December 31, 2025 included, but were not limited to: (i) the purchase only Housing Price Index, which increases 4.3% over our R&S forecast period, (ii) a CRE Price Index, which decreases 0.5% over our R&S forecast period, (iii) S&P Volatility, which decreases 2.2% in 2026 and 7.9% in 2027 and (iv) personal and business bankruptcies, which…
- There is no guarantee as to the exact number of shares that will be repurchased and we may discontinue purchases at any time.
- Under these scenarios, the results of these stress tests indicate that our regulatory capital ratios would remain above the regulatory requirements and we would be able to maintain appropriate liquidity levels, demonstrating our expected ability to continue to support our customers and communities under stressful financial conditions.
- We have historically been opportunistic when accessing the capital markets, and we expect to continue with that strategy.
- Management will continue to evaluate appropriate levels of liquidity based on expected loan and deposit growth, other balance sheet activity and the current market environment.
- While management believes that its methodology for developing such assumptions is reasonable, there can be no assurance that modeled results will be achieved.
- • Third Line - consists of the Internal Audit Department, responsible for developing and executing a risk-based audit plan to provide assurance on the compliance and effectiveness of controls and risk management practices throughout the organization independent from the First and Second Lines.
- Our ERM Framework provides the standards by which we will identify, assess, control, monitor and report on material risks across the organization.
FNB's latest quarter
FNB, Q3 2026: revenue $469M (+3% year over year), operating margin 41.2%, net earnings $153M, operating cash flow $291M. The chart follows the revenue to costs, profit and cash.
Questions
What does FNB expect?
Our results of operations for the nine months ended September 30, 2026 are not necessarily indicative of results expected for the full year. At September 30, 2026 and December 31, 2025, we utilized a third-party consensus macroeconomic forecast reflecting the current and projected macroeconomic environment. For our ACL calculation at September 30, 2026, the macroeconomic variables that we utilized included, but were not limited to: (i) the purchase only Housing Price Index, which increases 4.1% over our R&S forecast period, (ii) a CRE Price Index, which increases 1.1% over our R&S forecast per
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.