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% (All comparisons refer to the fourth quarter of 2024, except as noted) Average loans and leases totaled $35.0 billion, an increase of $1.2 billion, or 3.4%, driven by consumer loan growth of $1.2 ...

Core Viewpoint - F.N.B. Corporation has demonstrated strong financial performance in the third quarter, with positive growth indicators and a slight increase in analyst price targets, reflecting confidence in the company's future prospects [2][3][4]. Financial Performance - F.N.B. reported earnings of $0.41 per share in the third quarter, exceeding the Zacks Consensus Estimate of $0.37, leading to a 1.6% rise in stock price following the earnings release [3][6]. - The company achieved an 11% increase in revenue during the third quarter, supported by robust growth in loans and deposits [4][6]. - Net income available to common shareholders was reported at $149.5 million, with tangible book value per common share growing by 11% year-over-year [5]. Analyst Sentiment - The consensus price target for F.N.B. has increased from $18.88 to $19 over the past year, indicating a modest positive sentiment among analysts [2]. - Analyst Russell Gunther from Stephens has set a price target of $18, reflecting confidence in F.N.B.'s future performance [2]. Financial Health - F.N.B. maintains a strong capital position, with industry-leading reserve coverage and a record Common Equity Tier 1 (CET1) capital ratio, which supports its future growth and stability [4].

Analysts on Wall Street project that F.N.B. (FNB) will announce quarterly earnings of $0.41 per share in its forthcoming report, representing an increase of 7.9% year over year. Revenues are projected to reach $455.81 million, increasing 12% from the same quarter last year.The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.Before a company announ ...

Core Viewpoint - F.N.B. Corporation plans to release its financial results for Q4 2025 on January 20, 2026, followed by a conference call on January 21, 2026, to discuss these results [1][4]. Group 1: Financial Results Announcement - The financial results for the fourth quarter of 2025 will be issued after market close on January 20, 2026 [1]. - A conference call to discuss the financial results will take place on January 21, 2026, at 8:30 AM ET [1]. Group 2: Conference Call Details - A live listen-only webcast of the conference call will be available on the Corporation's website [2]. - Participants can access the conference call by dialing specific numbers for domestic and international callers [3]. - Pre-registration for the call is available, allowing callers to bypass the live operator [3]. Group 3: Company Overview - F.N.B. Corporation is headquartered in Pittsburgh, Pennsylvania, and operates in seven states and the District of Columbia [5]. - The company has total assets of $50 billion and approximately 350 banking offices across various states [5]. - F.N.B. provides a full range of commercial banking, consumer banking, and wealth management solutions [6]. Group 4: Stock Information - F.N.B. Corporation's common stock trades on the New York Stock Exchange under the symbol "FNB" and is included in the S&P MidCap 400 Index [7].

Market Performance - Major U.S. indexes ended the Christmas-shortened week higher, with the S&P 500 and Dow reaching new record highs, gaining 0.75% and 0.72% respectively, while the Nasdaq Composite increased by 0.70% [1] - The U.S. GDP growth rate for Q3 2025 was 4.3%, exceeding expectations and marking the fastest growth since Q3 2023 [2] - Despite a decline in consumer confidence, investor optimism is driven by strong corporate earnings outlook and AI enthusiasm [2] Stock Performance - Castle Biosciences, Inc. (CSTL) shares increased by 77.9% since being upgraded to a Zacks Rank 1 (Strong Buy) on October 20, significantly outperforming the S&P 500's 3.8% increase [3][6] - F.N.B. Corporation (FNB) shares rose by 13.4% after its upgrade to Zacks Rank 2 (Buy) on October 21, compared to the S&P 500's 2.8% increase [4] - Hamilton Insurance Group, Ltd. (HG) and Kinross Gold Corporation (KGC) saw gains of 19.8% and 7.7% respectively since their upgrade to Outperform on October 17 [7] Portfolio Performance - A hypothetical portfolio of Zacks Rank 1 stocks returned +14.3% in 2025, slightly underperforming the S&P 500's +14.9% [11] - The Zacks Model Portfolio has outperformed the S&P 500 index by over 12 percentage points since 1988, with an annualized average return of +23.9% compared to +11.5% for the S&P 500 [13] - The Zacks Earnings Certain Admiral Portfolio (ECAP) returned -1.30% in Q3 2025, underperforming the S&P 500's +8.1% gain [15] Dividend Portfolio Performance - Johnson & Johnson (JNJ) returned 14.3% over the past 12 weeks, while 3M Company (MMM) increased by 5.2% during the same period [18] - The Zacks Earnings Certain Dividend Portfolio (ECDP) returned -0.01% in Q3 2025, compared to the S&P 500's +8.1% gain [19]

Core Insights - F.N.B. Corp. (FNB) has launched Payment Switch, a service for automatic transfer of recurring ACH and debit card payments via the FNB Direct Mobile Banking App [1][10] Group 1: Payment Switch Service - Payment Switch simplifies customer onboarding and aligns with FNB's strategy to become the primary bank for clients [2] - The service allows near-real-time updates of payments across multiple merchants, covering approximately 80-90% of total recurring payment volumes nationwide [3] - Payment Switch enhances FNB's digital onboarding capabilities, allowing instant transfers of direct deposits and recurring payments, thus reducing account-switching hurdles [4] Group 2: Digital Payment Strategy - FNB is investing in digital payments and implementing an omnichannel Clicks-to-Bricks strategy to provide a seamless experience across physical and digital channels [5] - Recent enhancements include instant payments that enable fund transfers in under 15 seconds, with plans for outgoing instant payments for business clients [5] Group 3: Competitive Landscape - FNB's peers, Hancock Whitney (HWC) and SouthState Corp (SSB), are also focusing on market share growth through acquisitions and strategic expansions [6] - Hancock Whitney's acquisition of Sabal Trust aims to support fee income growth and expand its presence in Florida and Texas [7] - SouthState's acquisition of Independent Bank has significantly increased its total assets to $65.1 billion and enhanced its footprint in rapidly growing U.S. metropolitan areas [8] Group 4: Performance Metrics - Over the past six months, FNB's shares have increased by 26.9%, outperforming the industry's growth of 11.8% [9]

Core Viewpoint - F.N.B. Corporation has launched the Payment Switch feature, allowing customers to easily transfer their recurring ACH or Debit Card payments to FNB through the FNB Direct Mobile Banking App, enhancing customer engagement and positioning FNB as a primary banking choice for clients [1][4]. Group 1: Payment Switch Feature - The Payment Switch feature enables customers to automatically move their recurring payments to FNB in a few simple steps, streamlining the process of establishing a banking relationship [2][3]. - This service addresses common challenges faced by consumers when switching banks, allowing them to update payment methods across multiple merchants in near real-time, thus saving time and effort [3][4]. - Payment Switch is designed to manage approximately 80 to 90 percent of all total recurring payment volumes nationwide, covering services like streaming, food delivery, and utilities [4]. Group 2: Digital Strategy and Innovations - F.N.B. Corporation's digital strategy aims to enhance client primacy and market share through a comprehensive banking experience, starting with a simplified onboarding process [4]. - The company has made strategic investments in fintech, including a partnership with Atomic, to enhance its digital capabilities and improve customer service [5]. - Recent innovations also include instant payment capabilities, allowing clients to receive funds in under 15 seconds, available 24/7 [7]. Group 3: eStore and Omnichannel Experience - The Payment Switch feature complements FNB's Direct Deposit Switch service, further enhancing the eStore onboarding process, which allows consumers and small businesses to open multiple accounts simultaneously [6]. - FNB's omnichannel Clicks-to-Bricks strategy focuses on unifying customer experiences across digital and traditional banking networks, with the eStore platform providing a range of banking solutions and resources [8]. - Upcoming features will include temporary digital debit cards issued at account opening, enhancing digital convenience for customers [9]. Group 4: Company Overview - F.N.B. Corporation operates in seven states and the District of Columbia, with total assets of $50 billion and approximately 350 banking offices [10]. - The company offers a full range of commercial and consumer banking services, including wealth management solutions through its subsidiary network [11]. - F.N.B. Corporation is publicly traded on the New York Stock Exchange under the symbol "FNB" and is part of the S&P MidCap 400 Index [12].

Core Insights - The investment landscape has experienced significant volatility this year, starting with optimism due to the new administration but facing challenges from tariffs and market fluctuations [1][2] Market Overview - Tariffs have been implemented but are less severe than expected, leading to a market rebound driven by Federal Reserve interest rate cuts and AI trends [2] - Bank stocks have remained a focal point amid macroeconomic uncertainties and geopolitical risks [2] Bank Performance and Recommendations - The operating environment for banks is improving, with rising loan demand as interest rates decline [3] - Analysts recommend focusing on fundamentally strong banks such as East West Bancorp (EWBC), Valley National Bancorp (VLY), and F.N.B. Corporation (FNB) for potential investment opportunities [3][5] Analyst Insights - Analysts leverage deep sector insights to evaluate company fundamentals against economic conditions, making their recommendations valuable for identifying strong investment candidates [4] Selected Bank Stocks - East West Bancorp (EWBC) has a market cap of $15.6 billion, with earnings projected to grow 7.4% in 2026 and a year-to-date growth of 13.4% [9][11] - Valley National Bancorp (VLY) has a market cap of $6.6 billion, with earnings expected to increase 28.1% in 2026 and a year-to-date growth of 31.6% [17] - F.N.B. Corporation (FNB) has a market cap of $6.3 billion, with earnings projected to rise 14.2% in 2026 and a year-to-date growth of 18.6% [22] Growth Drivers - EWBC's growth is supported by solid liquidity, loan demand, and a strong capital distribution plan [10] - VLY's growth is driven by robust loan balances, strategic expansions, and margin improvements [16] - FNB's growth is bolstered by stabilizing deposit costs, loan demand, and planned branch expansions [21]

Group 1 - The article does not provide any specific content related to a company or industry [1]

Group 1 - The article emphasizes the importance of upgrading companies to a Buy or Strong Buy rating, reflecting a positive outlook on their potential for growth and shareholder returns [1] - The focus is on identifying companies in the oil and gas sector that are trading at significant discounts to their intrinsic value, utilizing a value-oriented investment approach [1] - The investment philosophy combines principles from Benjamin Graham with a contrarian market approach, aiming to uncover undervalued businesses [1]