FNB
F.N.B. Corporation17.47
-0.02-0.11%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Loan capacity, capital returns detailed
Q&A unpacked FNB's reset balance sheet, stressing capacity for $1 billion CRE originations without raising 197% concentration, fueling mid-single-digit loan growth—back-half loaded via C&I momentum and equipment finance. Fee income upside detailed from treasury builds, derivatives, and public finance amid macro tailwinds. Capital at 11.4% CET1 enables buybacks at or above $50 million and Board talks on dividend hikes; M&A low priority. AI-driven efficiencies target low-50s ratio. Capacity abounds. Confident outlook; investors eye growth ramp and returns.
Key Stats
Market Cap
6.27BP/E (TTM)
12.48Basic EPS (TTM)
1.40Dividend Yield
0.03%Recent Filings
10-K
FY2025 results
F.N.B. Corporation closed FY2025 with total assets topping $50B, loans at $35B up 2.5% y/y, and deposits at $39B up 4.5% y/y, trimming the loan-to-deposit ratio to 89.7% from 91.5%. Net interest income hit a record $1.4B, up 9%, as deposit costs fell 31bps to 2.65% while funding growth outpaced asset yields; non-interest income soared 17% to another record on wealth management and capital markets strength. Q4 asset quality stayed rock-solid with non-performers at 0.31% of loans, ACL steady at 1.26%, and net charge-offs ticking to 0.20%. Repurchased $50M in shares; CET1 hit 11.36%. Yet CRE volatility lingers.
8-K
Q4 EPS $0.47, assets $50B
F.N.B. Corporation reported Q4 2025 net income of $168.7 million, or $0.47 per share, up from $109.9 million last year, with operating EPS at $0.50. Assets topped $50 billion; loans hit $35.0 billion average, deposits $38.6 billion. CET1 rose to 11.4%; loan-to-deposit ratio improved to 89.7%. Capital generation fuels buybacks, tech investments.
10-Q
Q3 FY2025 results
F.N.B. Corporation posted solid Q3 results, with net income hitting $150 million, up 36% year-over-year, as net interest income climbed 11% to $359 million on earning asset growth and a 17 basis point net interest margin expansion to 3.25% (derived). Diluted EPS rose to $0.41 from $0.30, aligning with 362 million diluted shares and no anti-dilution effects. Non-interest income surged 10% to a record $98 million, fueled by mortgage banking and capital markets, while provision for credit losses edged up 2% to $24 million amid stable net charge-offs of 0.22% annualized. Deposits grew 4% to $38.4 billion, bolstering liquidity with $2.4 billion in cash equivalents and $17 billion unused wholesale lines; total debt stood at $4 billion, including FHLB advances maturing through 2028. Free cash flow wasn't disclosed in the 10-Q. Yet credit quality holds firm.
8-K
FNB Q3 earnings and strategy update
F.N.B. Corporation released its investor presentation on November 5, 2025, ahead of one-on-one meetings at the 2025 Investor Conference, highlighting strong Q3 results with $0.41 diluted EPS, 3.25% net interest margin, and 14.9% ROATCE amid digital innovations like AI-driven eStore expansions. The bank showcased organic growth strategies, including 3.7% loan and 4.5% deposit increases year-to-date, while diversifying revenue through capital markets and treasury services. FNB reiterated 2025 guidance for mid-single-digit loan/deposit growth and $1.390-$1.405 billion net interest income. Solid asset quality persists.
8-K
Q3 EPS jumps 37% to $0.41
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