Filing Flows › FNB (FNB) › Q3 2026 › vs Q3 2025
FNB (FNB) Q3 2026 vs Q3 2025 (year over year)
FNB's revenue rose $12.0M (+3%) from $457M in Q3 2025 to $469M in Q3 2026. The biggest changes: Net interest income +$17.0M (+5%); Noninterest income −$5.0M (-5%). Operating margin 41.2% against 41.6% (-0.4 pts).
FNB, Q3 2026: revenue $469M (+3% year over year), operating margin 41.2%, net earnings $153M, operating cash flow $291M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 41.2% | 41.6% | -0.4 pts |
| Net margin | 32.6% | 32.8% | -0.2 pts |
| Free cash flow margin | 53.3% | 32.6% | +20.7 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $376M | $359M | $17.0M | +5% |
| Noninterest income | $93.0M | $98.0M | −$5.0M | -5% |
| Revenue | $469M | $457M | $12.0M | +3% |
| Operating profit | $193M | $190M | $3.0M | +2% |
| Costs & expenses | $276M | $267M | $9.0M | +3% |
| Pre-tax earnings | $193M | $190M | $3.0M | +2% |
| Noninterest expense | $257M | $243M | $14.0M | +6% |
| Other operating costs | $19.0M | $24.0M | −$5.0M | -21% |
| Net earnings | $153M | $150M | $3.0M | +2% |
| Income tax | $40.0M | $40.0M | $0 | 0% |
| Depreciation & amortization | $23.0M | $18.0M | $5.0M | +28% |
| Working capital & other | $115M | −$1.0M | $116M | — |
| Operating cash flow | $291M | $167M | $124M | +74% |
| Free cash flow (OCF − capex) | $250M | $149M | $101M | +68% |
| Capital expenditures | $41.0M | $18.0M | $23.0M | +128% |
Questions
How much did FNB's revenue grow year over year in Q3 2026?
FNB's revenue rose $12.0M (+3%) from $457M in Q3 2025 to $469M in Q3 2026.
What drove FNB's revenue change in Q3 2026?
Net interest income +$17.0M (+5%); Noninterest income −$5.0M (-5%).