Daniel Tamayo

Kelly Motta

Brian Martin

Frank Schiraldi

Manuel Navas

Russell Gunther

Casey Haire

Timur Braziler

Emanuela Navis

Russell Elliott Gunther

- **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**.  **[0000037808_2188355:7]** **[0000037808_2188355:9]** 
- **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%**.  **[0000037808_2188355:7]** **[0000037808_2188355:14]** 
- 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.  **[0000037808_2188355:9]** **[0000037808_2188355:26]** 
- **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**.  **[0000037808_2188355:7]** **[0000037808_2188355:9]** 
- For **FY 2025**, FNB projects **Net Interest Income (non-FTE) between $1.390-$1.405 billion** and **Non-Interest Income between $365-$370 million**.  **[0000037808_2188355:21]**

FNB Reports Strong Q3 2025 Earnings with Revenue and Profit Growth

- FNB reported **record Q3 2025 earnings per share of $0.41** and **net income available to common shareholders of $150,000,000**.  **[0000037808_2190041_1]** **[0000037808_2190041_4]**  Total revenue reached a **record $457,000,000**, with operating pre-provision net revenue increasing **18%** from the year-ago quarter.  **[0000037808_2190041_1]** **[0000037808_2190041_4]** 
- The company achieved **record capital levels**, with a **CET1 ratio of 11%** and **tangible common equity at 8.7%**.  **[0000037808_2190041_1]** **[0000037808_2190041_9]**  FNB returned **$162,000,000** to shareholders year-to-date through its share repurchase program and quarterly dividends.  **[0000037808_2190041_1]** 
- FNB demonstrated strong balance sheet management, with annualized linked-quarter **deposit growth of 7%**  **[0000037808_2190041_1]**  and a **loan-to-deposit ratio ending the quarter at 90.9%**.  **[0000037808_2190041_1]**  The net interest margin expanded **six basis points linked quarter to 3.25%**.  **[0000037808_2190041_4]** 
- 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.  **[0000037808_2190041_6]** **[0000037808_2190041_13]**

FNB Reports Record Q3 2025 Earnings and Capital Levels

- 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**.  **[0000037808_2190004_1]** 
- 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.  **[0000037808_2190004_1]** **[0000037808_2190004_4]** 
- Capital positions reached record levels, with a tangible common equity ratio of **8.7%** and a CET1 ratio of **11%**.  **[0000037808_2190004_1]** **[0000037808_2190004_5]** 
- 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**.  **[0000037808_2190004_5]** 
- 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.  **[0000037808_2190004_6]**

F.N.B. Reports Record Q3 2025 Earnings and Updates Full-Year Guidance

- F.N.B. Corporation reported **diluted earnings per common share of $0.41** for the third quarter of 2025, marking a **37% increase** from the prior year and a **14% increase** from the prior quarter.  **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:0]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:13]**  Operating diluted earnings per common share also stood at **$0.41**.  **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:0]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:20]** 
- The company achieved **record revenue of $457 million** in Q3 2025, with net interest income totaling **$359.3 million** (an **11.1% increase** from Q3 2024) and non-interest income reaching a record **$98.2 million**.  **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:0]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:3]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:12]** 
- Capital levels strengthened, with an estimated Common Equity Tier 1 (CET1) regulatory capital ratio of **11.0%** and a tangible common equity to tangible assets ratio (non-GAAP) of **8.7%** as of September 30, 2025.  **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:0]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:1]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:17]** 
- **Tangible book value per common share (non-GAAP) increased to $11.48** at September 30, 2025, reflecting an **11.1% increase** compared to September 30, 2024.  **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:1]** **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:17]** 
- During the third quarter of 2025, F.N.B. Corporation repurchased **$12 million** of common stock, totaling **0.8 million shares**, at a weighted average share price of **$15.50**.  **[37808_0000037808-25-000133_fnbex991earningsreleaseq32.htm:1]**

F.N.B. Corporation Reports Third Quarter 2025 Earnings

- F.N.B. Corporation reported **net income available to common shareholders of $149.5 million** and **earnings per diluted common share of $0.41** for the third quarter of 2025.  **[37808_20251016NE00222:0]** 
- Operating earnings per diluted common share (non-GAAP) increased **37%** from the prior year and **14%** from the prior quarter to **$0.41**, driven by **record revenue of $457 million**.  **[37808_20251016NE00222:0]** 
- The company achieved **record capital levels** with an estimated Common Equity Tier 1 (CET1) regulatory capital ratio of **11.0%** and tangible book value per common share (non-GAAP) growing **11.1%** year-over-year to **$11.48**.  **[37808_20251016NE00222:1]** **[37808_20251016NE00222:4]** 
- Average loans and leases increased **3.0%** year-over-year to **$34.8 billion**, and average deposits grew **6.4%** year-over-year to **$37.9 billion**.  **[37808_20251016NE00222:1]** 
- The company repurchased **$12 million**, or **0.8 million shares**, of common stock during the third quarter of 2025.  **[37808_20251016NE00222:1]**

FNB CORP/PA/ (FNB)