FNB

Q3 FY2026 EarningsFNB.US delivered Q3 FY26 results slightly below consensus on the bottom line, reporting GAAP EPS of $0.43 vs. the $0.4334 mean estimate. While revenue of $469.1M missed the $476.2M consensus, record net interest income (NII) of $376.5M and a net interest margin (NIM) of 3.29% (matching estimates) showcased solid core performance. Growth was fueled by 8.5% annualized loan and 8.9% deposit growth, though mortgage banking and capital markets volatility weighed on non-interest income. The effective tax rate of 20.6% was notably lower than the 21.9% expected, providing a partial cushion to earnings.