Filing Flows › FNB (FNB) › Q3 2026
FNB (FNB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 3, 2026
FNB (FNB) reported revenue of $469M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +1% from the quarter before. Operating margin was 41.2%, net earnings $153M (32.6% of revenue).
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.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $469M | +1% | +3% |
| Operating profit | $193M | +3% | +2% |
| Net earnings | $153M | +3% | +2% |
| Operating cash flow | $291M | +13% | +74% |
| Free cash flow | $250M | +4% | +68% |
What changed
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.
Questions
What was FNB's revenue in the third quarter 2026?
FNB (FNB) reported revenue of $469M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +1% from the quarter before.
Was FNB profitable in the third quarter 2026?
Operating profit was $193M (41.2% of revenue) and net earnings $153M.
Source: FNB 10-Q on SEC EDGAR.