Core Viewpoint - The analysis indicates that F.N.B. Corp (FNB) has maintained a stable performance, suggesting that successful business models do not require frequent updates [1] Company Summary - F.N.B. Corp has not experienced significant changes recently, which is viewed positively as it reflects stability in its operations [1]

Shares of F.N.B. Corporation ( FNB ) have been a solid performer over the past year, rising 11%. Investors received further good news as the company reported strong Q4 results, sending shares up about 3% in response. The company has an excellent capital position, facilitating ongoing balanceOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific sto ...

Core Viewpoint - F.N.B. Corporation (FNB) has shown strong performance with an 11% increase in shares over the past year, and recent Q4 results have led to a further 3% rise in share price [1] Financial Performance - The company reported strong Q4 results, contributing to the positive movement in share price [1] - F.N.B. Corporation maintains an excellent capital position, which supports ongoing balance [1]

F.N.B. (NYSE:FNB) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsVincent Delie - Chairman, President and CEOVincent Calabrese - CFOGary L. Guerrieri - Chief Credit OfficerNone - Company RepresentativeLisa Hajdu - Head of Investor RelationsConference Call ParticipantsNone - AnalystDaniel Tamayo - AnalystKelly Motta - AnalystBrian Martin - AnalystRussell Gunther - AnalystOperatorGood morning, everyone. Thank you for joining this morning's F.N.B. Corporation conference call. The call wi ...

F.N.B. (NYSE:FNB) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Company ParticipantsVincent Delie - Chairman, President and CEOVincent Calabrese - CFOGary L. Guerrieri - Chief Credit OfficerNone - Company RepresentativeLisa Hajdu - Head of Investor RelationsConference Call ParticipantsNone - AnalystCasey Haire - AnalystDaniel Tamayo - AnalystKelly Motta - AnalystBrian Martin - AnalystRussell Gunther - AnalystOperatorGood morning, everyone. Thank you for joining this morning's F.N.B. Corporation confere ...

F.N.B. (NYSE:FNB) Q4 2025 Earnings call January 21, 2026 08:30 AM ET Speaker1Good morning, everyone. Thank you for joining this morning's F.N.B. Corporation conference call. The call will begin momentarily. We do thank you for joining. Please stay on the line. If you do need assistance, please press star and zero. Once again, the call will begin here in just a few minutes. Thank you. Good morning, everyone, and welcome to the F.N.B. Fourth Quarter 2025 earnings conference call. All participants will be in a ...

Core Viewpoint - F.N.B. Corporation (FNB) reported strong fourth-quarter 2025 operating earnings of 50 cents per share, exceeding expectations and reflecting a 31.6% year-over-year increase, driven by higher net interest income and non-interest income, despite rising non-interest expenses [1][11]. Financial Performance - Operating earnings per share for 2025 reached $1.59, a 14.4% increase year over year, surpassing the consensus estimate of $1.50 [3]. - Net income available to common shareholders was $168.7 million or 47 cents per share, up from $109.9 million or 30 cents per share in the prior-year quarter [2]. - Total revenue for the quarter was $457.8 million, a 22.7% increase from the previous year, exceeding the Zacks Consensus Estimate of $455.8 million [4]. Income Sources - Net interest income (NII) was $365.4 million, up 13.4% year over year, primarily due to growth in earning assets and a lower cost of funds, with net interest margin (NIM) expanding to 3.28% [5]. - Non-interest income surged to $92.3 million, an 81.3% increase year over year, driven by higher service charges and trust services, despite a decline in mortgage banking operations [6]. Expense Management - Non-interest expenses rose to $273.2 million, a 10.1% increase, with adjusted non-interest expenses up 3.4% to $256.5 million [7]. Loan and Deposit Growth - Average total loans and leases were $35.0 billion, a 3.4% increase year over year, while average total deposits reached $38.6 billion, up 4.5% [8]. Credit Quality - Provision for credit losses decreased to $18.9 million from $22.3 million in the prior-year quarter, with net charge-offs also declining to $16.4 million [9]. - The ratio of non-performing loans plus other real estate owned (OREO) to total loans and leases plus OREO decreased to 0.31% [9]. Capital Ratios - As of December 31, 2025, the common equity Tier 1 (CET1) ratio improved to 11.4% from 10.6% in the prior-year quarter, and the tangible common equity to tangible assets ratio increased to 8.9% from 8.2% [12]. Share Repurchase - During the fourth quarter of 2025, F.N.B. Corp repurchased $18 million worth of shares, totaling 1.1 million shares at an average price of $16.20 [13]. Future Outlook - The company is expected to benefit from increased fee income, diverse revenue streams, and strategic expansions, although rising expenses and significant commercial loan exposures present challenges [14].

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F.N.B. Corporation Fourth Quarter 2025 January 21, 2026 Cautionary Statement Regarding Forward-Looking Information This document contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are those that do not relate to historical facts and that are based on current assumptions, beliefs, estimates, expectations and projections, many of which, by their nature, are inherently uncertain and beyond our control. Forward-looking sta ...

Financial Performance - F.N.B. Corporation reported total revenue of $1.8 billion for the full year 2025, with net income available to common shareholders of $565.4 million, or $1.56 per diluted common share, representing a 23% increase from 2024[3] - The fourth quarter 2025 earnings per diluted common share (non-GAAP) was $0.50, up from $0.38 in the fourth quarter of 2024, reflecting a 31.6% year-over-year increase[2] - Net income available to common shareholders for Q4 2025 was $168,693 thousand, a 12.8% increase from Q3 2025 and a 53.6% increase from Q4 2024[44] - Net income (annualized) for Q4 2025 reached $669,270,000, an increase of 12.9% from $593,162,000 in Q3 2025 and a 53.1% increase from $437,056,000 in Q4 2024[64] - Operating net income available to common shareholders reached $168,693 thousand in Q4 2025, an increase of 12.8% from Q3 2025 and 53.4% from Q4 2024[61] Loan and Deposit Growth - Average loans and leases totaled $35.0 billion, an increase of $1.2 billion, or 3.4%, driven by consumer loan growth[5] - Average deposits reached $38.6 billion, an increase of $1.7 billion, or 4.5%, with a stable mix of non-interest-bearing demand deposits at 26%[12] - Total loans and leases decreased slightly to $34,777 million in 4Q25 from $34,957 million in 3Q25, but increased by 2.5% compared to $33,939 million in 4Q24[54] - Total deposits rose to $38,759 million in 4Q25, reflecting a 0.8% increase from $38,441 million in 3Q25 and a 4.5% increase from $37,107 million in 4Q24[45] Interest Income and Margin - Net interest income for the fourth quarter totaled a record $365.4 million, an increase of $43.2 million, or 13.4%, year-over-year[10] - Net interest income for 4Q25 was $365,442 thousand, a 1.7% increase from Q3 2025 and a 13.4% increase from Q4 2024[44] - The net interest margin improved to 3.28% in 4Q25, up from 3.25% in 3Q25[46] - Net interest income (FTE) for 2025 was $1,395.8 million, compared to $1,280.4 million in 2024, reflecting an increase of 9.0%[48] - The net interest margin (FTE) improved to 3.19% in 2025 from 3.09% in 2024[51] Non-Interest Income and Expenses - Non-interest income totaled $92.3 million, an increase of $41.4 million, or 81.5%, compared to $50.9 million[13] - Non-interest income for Q4 2025 totaled $92,341 thousand, a decrease of 5.9% from Q3 2025 but an increase of 81.3% from Q4 2024[44] - Non-interest expense totaled $273.2 million, an increase of $25.0 million, or 10.1%[13] - Total non-interest expense for Q4 2025 was $273,169 thousand, reflecting a 12.2% increase from Q3 2025 and a 10.1% increase from Q4 2024[44] Credit Quality - The provision for credit losses was $18.9 million, a decrease of $5.1 million from the prior quarter, with net charge-offs of $16.4 million[8] - The provision for credit losses in Q4 2025 was $18,870 thousand, down 21.3% from Q3 2025 and down 15.2% from Q4 2024[44] - Non-performing loans decreased to $105 million in 4Q25, a reduction of 16.0% from 3Q25 and 34.0% from 4Q24[57] - The allowance for credit losses on loans and leases was $439.5 million in 4Q25, reflecting a 0.5% increase from 3Q25 and 4.0% from 4Q24[59] Capital and Equity - The Common Equity Tier 1 (CET1) regulatory capital ratio was estimated at 11.4%, up from 10.6% at December 31, 2024[8] - The CET1 regulatory capital ratio was 11.4% at December 31, 2025, up from 10.6% at December 31, 2024[15] - Shareholders' equity increased to $6,759 million in 4Q25, a 1.9% rise from $6,636 million in 3Q25 and a 7.3% increase from $6,302 million in 4Q24[45] - Book value per common share increased to $18.92 in 4Q25 from $18.52 in Q3 2025 and $17.52 in Q4 2024[51] Community Engagement - F.N.B. Corporation contributed $20.0 million to the FNB Foundation in December 2025, demonstrating commitment to community support[8] - The company reported a tax benefit of $4,200 thousand related to the FNB Foundation contribution in 4Q25[61] Operational Highlights - F.N.B. Corporation reported total assets exceeding $50 billion and operates approximately 350 banking offices across seven states and the District of Columbia[39] - The company plans to host a conference call on January 21, 2026, to discuss its financial results[35]