FNB
F.N.B. Corporation17.47
-0.02-0.11%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
6.27BP/E (TTM)
12.48Basic EPS (TTM)
1.40Dividend Yield
0.03%Recent Filings
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
FNB appoints new consumer banking chief
F.N.B. Corporation announced Barry C. Robinson's retirement as Chief Consumer Banking Officer effective October 10, 2025, after 15 years, with Alfred D. Cho appointed as successor. Cho brings over 25 years from J.P. Morgan, Bank of America, and Truist to oversee retail sales, small business banking, mortgages, and product development. This smooth transition bolsters the experienced retail team amid growth. Cho's strategic expertise fits FNB's vision perfectly.
10-Q
Q2 FY2025 results
F.N.B. Corporation posted solid Q2 2025 results, with net income available to common shareholders hitting $130.7 million, up 6.2% year-over-year, driven by record net interest income of $347.2 million (up 9.9% y/y) and non-interest income of $91.0 million (up 3.5% y/y), while diluted EPS rose to $0.36 from $0.34. The net interest margin expanded 10 basis points y/y to 3.19%, reflecting higher yields on earning assets and lower deposit costs, though provision for credit losses climbed 26.8% y/y to $25.6 million amid net charge-offs of $21.8 million (0.25% annualized of average loans, up from 0.09%). Loans grew 2.7% y/y to $34.7 billion, fueled by consumer segments, while deposits rose 7.9% y/y to $37.7 billion; liquidity stayed robust with $2.4 billion in cash equivalents and $15.9 billion in unused wholesale credit. Non-GAAP tangible book value per share climbed 12.8% y/y to $11.14, and CET1 ratio hit a record 10.8%. Yet competition in regional banking markets could pressure margins if deposit rates stay elevated.
8-K
Strong Q2 earnings, record revenue
F.N.B. Corporation posted Q2 2025 net income of $130.7 million, up 12% from last year, fueled by record revenue of $438 million—a 6.5% linked-quarter jump from margin expansion and non-interest income gains. Loans grew 3.7% year-over-year to $34.5 billion average, deposits rose 7.3% to $37.1 billion, while the CET1 ratio hit a record 10.8%. Solid asset quality persists. Credit provisions climbed to $25.6 million amid higher charge-offs.
IPO
Website
Employees
Sector
Industry
ACNB
ACNB Corporation
52.51-0.10
CCNE
CNB Financial Corporation
27.72-0.13
CZNC
Citizens & Northern Corp
21.98-0.01
FBK
FB Financial Corporation
58.09-0.74
FBNC
First Bancorp
53.55+0.08
FITB
Fifth Third Bancorp
47.59-0.24
FMNB
Farmers National Banc Corp.
14.42+0.04
FXNC
First National Corporation
26.20+0.01
LCNB
LCNB Corporation
17.45-0.26
QNBC
QNB Corp.
34.75+0.30