Earnings summaries and quarterly performance for FNB CORP/PA/.
Executive leadership at FNB CORP/PA/.
Vincent J. Delie, Jr.
Detailed
Chairman, President and Chief Executive Officer
CEO
AD
Alfred D. Cho
Detailed
Chief Consumer Banking Officer
DB
David B. Mitchell II
Detailed
Chief Wholesale Banking Officer
GL
Gary L. Guerrieri
Detailed
Chief Credit Officer
JG
James G. Orie
Detailed
Chief Legal Officer and Corporate Secretary
JL
James L. Dutey
Detailed
Corporate Controller and Principal Accounting Officer
VJ
Vincent J. Calabrese, Jr.
Detailed
Chief Financial Officer
Board of directors at FNB CORP/PA/.
DJ
David J. Malone
Detailed
Director
DL
David L. Motley
Detailed
Director
FC
Frank C. Mencini
Detailed
Director
HA
Heidi A. Nicholas
Detailed
Director
JD
James D. Chiafullo
Detailed
Director
JS
John S. Stanik
Detailed
Director
MJ
Mary Jo Dively
Detailed
Director
PA
Pamela A. Bena
Detailed
Director
WB
William B. Campbell
Detailed
Independent Lead Director
WJ
William J. Strimbu
Detailed
Director
Research analysts who have asked questions during FNB CORP/PA/ earnings calls.
Daniel Tamayo
Raymond James Financial, Inc.
7 questions for FNB
Also covers: ASB, CNOB, FBIZ +13 more
KM
Kelly Motta
Keefe, Bruyette & Woods
7 questions for FNB
Also covers: AX, BANR, BOH +20 more
Russell Gunther
Stephens Inc.
7 questions for FNB
Also covers: ABCB, AMTB, AUB +10 more
BM
Brian Martin
Janney Montgomery Scott
5 questions for FNB
Also covers: BFIN, BY, EFSC +10 more
FS
Frank Schiraldi
Piper Sandler
3 questions for FNB
Also covers: BPOP, CASH, CBU +14 more
MN
Manuel Navas
D.A. Davidson & Co.
3 questions for FNB
Also covers: ABCB, BFST, BPOP +20 more
CH
Casey Haire
Jefferies
2 questions for FNB
Also covers: ASB, CADE, CFR +12 more
Timur Braziler
Wells Fargo
2 questions for FNB
Also covers: ASB, BANC, BKU +16 more
CH
Casey Hare
Autonomous Research
1 question for FNB
Also covers: FULT, PNFP
David Smith
Truist Securities
1 question for FNB
Also covers: AESI, BK, CLB +20 more
EN
Emanuela Navis
D.A. Davidson
1 question for FNB
Recent press releases and 8-K filings for FNB.
FNB Reports Record Full-Year 2025 Results and Provides 2026 Guidance
FNB
Earnings
Guidance Update
New Projects/Investments
- F.N.B. reported record full-year 2025 operating performance, with $1.8 billion in revenue, $577 million in operating net income, and $1.59 operating EPS, representing 14% year-over-year growth. The company also achieved a 16% return on average tangible common equity and $11.87 tangible book value per share, up 13% from the prior year.
- For Q4 2025, F.N.B. recorded $365.4 million in net interest income, a 3.28% net interest margin, and a 53.8% efficiency ratio. Asset quality remained strong, with total delinquency at 71 basis points and NPLs at a multi-year low of 31 basis points.
- The company provided 2026 guidance, projecting mid-single digit growth in period-end loans and deposits. Full-year 2026 net interest income is expected between $1.495 billion and $1.535 billion, and non-interest income between $370 million and $390 million. Non-interest expense is guided between $1 billion and $1.02 billion, with the efficiency ratio anticipated to reach the low 50s by the second half of 2026.
- F.N.B. successfully reset its balance sheet in 2025, improving the loan-to-deposit ratio to 89.7% and reducing CRE concentration to 197%. The company plans to leverage technology investments, including AI, for higher cost savings in 2026 and to drive organic growth in C&I and CRE lending.
Jan 21, 2026, 1:30 PM
F.N.B. Reports Record 2025 Results and Provides Strong 2026 Guidance
FNB
Earnings
Guidance Update
Share Buyback
- F.N.B. Corporation (FNB) reported record full-year 2025 operating revenue of $1.8 billion, operating net income of $577 million, and operating earnings per diluted common share of $1.59, reflecting 14% year-over-year growth. The company achieved a 16% return on average tangible common equity and a 13% increase in tangible book value per share to $11.87.
- For 2026, F.N.B. expects mid-single-digit growth in period-end loans and deposits, with full-year net interest income projected between $1.495 billion and $1.535 billion. Non-interest income is guided between $370 million and $390 million, and non-interest expense is expected to increase by 1.5% at the midpoint compared to 2025.
- The company's asset quality remained strong in Q4 2025, with total delinquency at 71 basis points and non-performing loans (NPLs) at a multi-year low of 31 basis points. F.N.B. strategically managed its balance sheet, reducing commercial real estate (CRE) concentration to 197% and improving the loan-to-deposit ratio to below 90%.
- F.N.B. repurchased nearly $50 million in shares in 2025 and anticipates similar or higher buyback activity in 2026, with a potential dividend increase under consideration. The CET1 ratio stood at 11.4% at year-end 2025, with expectations to reach around 12% by the end of 2026.
Jan 21, 2026, 1:30 PM
FNB Reports Strong Q4 and Full-Year 2025 Financial Performance
FNB
Earnings
Share Buyback
New Projects/Investments
- FNB reported operating earnings per diluted common share of $0.50 for Q4 2025 and $1.59 for the full year 2025.
- The company achieved record capital metrics, including a CET1 ratio of 11.4% and tangible common equity to tangible assets (TCE/TA) of 8.9% at year-end 2025.
- Average total loans and leases increased $1.2 billion (3.4%) and average total deposits increased $1.7 billion (4.5%) from the year-ago quarter.
- Net interest income reached $365.4 million in Q4 2025, with the net interest margin (FTE) expanding to 3.28%.
- The company repurchased $18 million of common stock in Q4 2025 and reported a record tangible book value of $11.87 per share.
Jan 21, 2026, 1:30 PM
F.N.B. Reports Record Q4 2025 Results and Provides 2026 Guidance
FNB
Earnings
Guidance Update
Share Buyback
- F.N.B. Corporation reported record operating net income of $181.8 million ($0.50 per share) and record total revenues of nearly $458 million (up 12.4% on an operating basis) for Q4 2025.
- At year-end 2025, total assets exceeded $50 billion for the first time, with average loans and leases at $35 billion and average deposits at $38.6 billion.
- The company maintained strong capital levels with a CET1 ratio of 11.4% and a tangible common equity ratio of 8.9% in Q4 2025, leading to a 13.2% year-over-year increase in tangible book value per common share to $11.87.
- For full year 2026, F.N.B. projects mid-single digit growth for period-end loans and deposits, with net interest income expected between $1.495 billion and $1.535 billion, and non-interest income between $370 million and $390 million.
- F.N.B. repurchased nearly $50 million in shares in 2025 and expects similar or higher buyback activity in 2026, while also planning discussions with the board regarding potential dividend increases.
Jan 21, 2026, 1:30 PM
FNB Corporation Reports Strong Q4 and Full Year 2025 Earnings
FNB
Earnings
Share Buyback
New Projects/Investments
- F.N.B. Corporation reported net income available to common shareholders of $168.7 million, or $0.47 per diluted common share, for the fourth quarter of 2025. For the full year 2025, net income was $565.4 million, or $1.56 per diluted common share.
- The company achieved record total revenue of $1.8 billion for the full year 2025.
- Total Assets crossed $50 billion, reaching $50,229 million at December 31, 2025.
- Capital levels were strong, with the Common Equity Tier 1 (CET1) regulatory capital ratio at an estimated 11.4% and tangible book value per common share (non-GAAP) increasing 13% year-over-year to $11.87 at December 31, 2025.
- The loan-to-deposit ratio improved to 89.7% at December 31, 2025, and the company repurchased $18 million, or 1.1 million shares, of common stock during the fourth quarter of 2025.
Jan 21, 2026, 12:31 PM
F.N.B. Corporation Reports Fourth Quarter and Full Year 2025 Earnings
FNB
Earnings
Share Buyback
New Projects/Investments
- For the full year 2025, F.N.B. Corporation achieved record total revenue of $1.8 billion, non-interest income of $369 million, and EPS of $1.56.
- In the fourth quarter of 2025, net income available to common shareholders was $168.7 million, or $0.47 per diluted common share, with operating earnings per diluted common share (non-GAAP) at $0.50.
- The company's total assets crossed $50 billion for the full year 2025, and it reported strong capital levels with an estimated Common Equity Tier 1 (CET1) regulatory capital ratio of 11.4% and tangible book value per common share (non-GAAP) of $11.87, a 13% increase from the year-ago quarter.
- During the fourth quarter of 2025, FNB repurchased $18 million, or 1.1 million shares, of common stock.
Jan 20, 2026, 9:30 PM
FNB Corporation Reports Strong Q3 2025 Results and Provides 2025 Guidance
FNB
Earnings
Guidance Update
Share Buyback
- F.N.B. Corporation reported Q3 2025 earnings per diluted common share of $0.41 and record profitability metrics including 1.29% ROATA and 14.9% ROATCE.
- The company achieved 4.4% linked-quarter revenue growth, driven by record net interest income of $359.3 million and non-interest income of $98.2 million.
- Average total loans and leases increased 3.6% annualized, and average total deposits increased 8.2% annualized, linked quarter. FNB maintained a strong capital position with a 11.1% CET1 ratio and a record tangible book value of $11.48 per share.
- For FY 2025, FNB expects Net Interest Income between $1.390-$1.405 billion and Non-Interest Income between $365-$370 million, alongside continued disciplined expense management.
- The company returned $162 million in capital to shareholders year-to-date in 2025 and plans to continue its share repurchase program.
Nov 5, 2025, 9:36 PM
FNB Reports Strong Q3 2025 Earnings with Revenue and Profit Growth
FNB
Earnings
Guidance Update
Revenue Acceleration/Inflection
- FNB reported strong Q3 2025 financial results, with net income available to common shareholders increasing 14.4% linked quarter to $149.5 million, or $0.41 per diluted common share.
- Total revenue grew 4.4% linked-quarter to $457.442 million, driven by record net interest income of $359.3 million and non-interest income of $98.2 million, with the net interest margin (FTE) expanding 6 basis points to 3.25%.
- The company achieved improved operational efficiency, with the efficiency ratio (FTE) decreasing to 52.4% in Q3 2025 from 54.8% in the prior quarter.
- Balance sheet growth continued, as average total loans and leases increased 3.6% annualized and average total deposits increased 8.2% annualized linked quarter, contributing to a record tangible book value per share of $11.48.
- For FY 2025, FNB projects Net Interest Income (non-FTE) between $1.390-$1.405 billion and Non-Interest Income between $365-$370 million.
Oct 17, 2025, 12:30 PM
FNB Reports Record Q3 2025 Earnings and Capital Levels
FNB
Earnings
Revenue Acceleration/Inflection
Share Buyback
- FNB reported record Q3 2025 earnings per share of $0.41 and net income available to common shareholders of $150,000,000. Total revenue reached a record $457,000,000, with operating pre-provision net revenue increasing 18% from the year-ago quarter.
- The company achieved record capital levels, with a CET1 ratio of 11% and tangible common equity at 8.7%. FNB returned $162,000,000 to shareholders year-to-date through its share repurchase program and quarterly dividends.
- FNB demonstrated strong balance sheet management, with annualized linked-quarter deposit growth of 7% and a loan-to-deposit ratio ending the quarter at 90.9%. The net interest margin expanded six basis points linked quarter to 3.25%.
- Strategic initiatives include plans to add 30 new branches by 2030 in high-growth markets and continued focus on expanding fee-based businesses, particularly in investment banking, public finance, and treasury management.
Oct 17, 2025, 12:30 PM
F.N.B. Reports Record Q3 2025 Earnings and Updates Full-Year Guidance
FNB
Earnings
Guidance Update
New Projects/Investments
- F.N.B. reported record Q3 2025 earnings per share of $0.41, a 14% increase from the prior quarter, with net income available to common shareholders reaching $150 million.
- The company achieved record total revenue of $457 million, driven by strong contributions from fee-based businesses, leading to a record $98.2 million in non-interest income.
- Capital positions reached record levels, with a tangible common equity ratio of 8.7% and a CET1 ratio of 11%.
- F.N.B. updated its full-year 2025 guidance, raising net interest income to $1.39 to $1.405 billion and revising provision guidance to $85 to $95 million.
- The company plans to expand its organic growth strategy by adding 30 new branches to its network by 2030, focused primarily in the high-growth Carolinas and Mid-Atlantic markets.
Oct 17, 2025, 12:30 PM
Quarterly earnings call transcripts for FNB CORP/PA/.
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