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 ...

https://files.reportify.cc/media/production/FNB625374d9c76852e15cb2d85111de4b27.jpg F.N.B. Corporation Reports Fourth Quarter and Full Year 2025 Earnings Total Assets Crossed $50 billion with Multiple Records for Full Year 2025, Including Total Revenue of $1.8 billion, Non-Interest Income of $369 million, EPS of $1.56 and Capital Levels with the Common Equity Tier 1 at 11.4% (estimate) and Tangible Book Value Per Common Share (non-GAAP) Year-over-Year Growth of 13% PITTSBURGH, PA – January 20, 2026 – F.N.B. ...