Financial Performance - FNB reported earnings per share (EPS) of $0.41, surpassing the estimated $0.37, resulting in a 10.81% earnings surprise [1][6] - Revenue for Q3 2025 was approximately $457.4 million, exceeding the estimated $446.7 million, marking a 3.23% revenue surprise and a significant increase from $413.02 million in the same period last year [2][6] - Net income available to common shareholders increased to $149.5 million from $110.1 million in Q3 2024, reflecting strong financial performance [3][6] Valuation Metrics - The company has a price-to-earnings (P/E) ratio of approximately 11.26 and a price-to-sales ratio of about 2.01, indicating reasonable market valuation [4] - FNB's debt-to-equity ratio is approximately 0.66, suggesting a balanced approach to financing [4] - The current ratio is around 0.16, indicating the company's ability to meet short-term liabilities [4] Market Position - F.N.B. Corporation (NYSE:FNB) operates primarily in the United States, providing a range of banking, trust, and insurance services, competing with other financial institutions like PNC Financial Services and Citizens Financial Group [6]

Core Insights - F.N.B. reported revenue of $457.44 million for the quarter ended September 2025, reflecting a year-over-year increase of 10.8% and surpassing the Zacks Consensus Estimate of $443.13 million by 3.23% [1] - Earnings per share (EPS) for the quarter was $0.41, up from $0.34 in the same quarter last year, resulting in an EPS surprise of 10.81% compared to the consensus estimate of $0.37 [1] Financial Metrics - Efficiency Ratio stood at 52.4%, better than the average estimate of 54.5% from four analysts [4] - Net Interest Margin was reported at 3.3%, exceeding the average estimate of 3.2% from four analysts [4] - Net charge-offs to average loans were 0.2%, matching the average estimate from three analysts [4] - Average Balance of Total Interest Earning Assets was $44.48 billion, slightly above the estimated $44.13 billion from two analysts [4] - Total Non-Performing Loans amounted to $125 million, close to the average estimate of $126.12 million from two analysts [4] - Total Non-Interest Income reached $98.17 million, surpassing the average estimate of $90.07 million from four analysts [4] - Mortgage Banking Operations generated $9.18 million, significantly higher than the average estimate of $6.24 million from three analysts [4] - Net Interest Income was reported at $359.27 million, exceeding the average estimate of $353.08 million from three analysts [4] - Bank Owned Life Insurance income was $4.21 million, slightly below the average estimate of $4.22 million from two analysts [4] - Capital Markets Income was $7.88 million, above the estimated $7.03 million from two analysts [4] - Trust Services income was $11.65 million, compared to the average estimate of $11.46 million from two analysts [4] - Other Non-Interest Income was reported at $9.17 million, significantly higher than the average estimate of $4.61 million from two analysts [4] Stock Performance - F.N.B. shares have returned -2.8% over the past month, contrasting with the Zacks S&P 500 composite's increase of 0.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]

Core Insights - F.N.B. reported quarterly earnings of $0.41 per share, exceeding the Zacks Consensus Estimate of $0.37 per share, and up from $0.34 per share a year ago, representing an earnings surprise of +10.81% [1] - The company achieved revenues of $457.44 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 3.23% and increasing from $413.02 million year-over-year [2] - F.N.B. shares have increased approximately 6.8% year-to-date, while the S&P 500 has gained 13.4% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.39 on revenues of $451.28 million, and for the current fiscal year, it is $1.44 on revenues of $1.74 billion [7] - The estimate revisions trend for F.N.B. was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold) for the stock, indicating expected performance in line with the market [6] Industry Context - The Banks - Southeast industry, to which F.N.B. belongs, is currently in the top 35% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8] - National Bankshares, another company in the same industry, is expected to report quarterly earnings of $0.66 per share, reflecting a year-over-year increase of +57.1% [9]

Core Insights - F.N.B. Corporation reported a record earnings per diluted common share of $0.41, marking a 37% increase year-over-year and a 14% increase from the previous quarter, driven by record revenue of $457 million [1][3] - The company achieved a tangible book value per common share growth of 11% year-over-year, with a Common Equity Tier 1 (CET1) regulatory capital ratio estimated at 11% [3][15] Financial Performance - Net income available to common shareholders for Q3 2025 was $149.5 million, compared to $110.1 million in Q3 2024 and $130.7 million in Q2 2025 [1][4] - Operating earnings per diluted common share (non-GAAP) for Q3 2025 was $0.41, up from $0.34 in Q3 2024 [2][4] - Pre-provision net revenue (non-GAAP) grew 11% linked-quarter to $213.9 million, contributing to a peer-leading efficiency ratio of 52% [3][4] Revenue Breakdown - Net interest income reached a record $359.3 million, an increase of $35.9 million or 11.1% year-over-year, primarily due to growth in earning assets and lower interest-bearing deposit costs [8][17] - Non-interest income also set a record at $98.2 million, reflecting a 7.9% increase from the prior quarter, driven by strong performance in mortgage banking and capital markets [11][20] Asset Quality and Credit Management - The provision for credit losses was $24.0 million, with net charge-offs of $19.7 million, or 0.22% annualized of total average loans, indicating effective credit risk management [14][22] - The ratio of non-performing loans and other real estate owned (OREO) to total loans and OREO increased slightly to 0.37%, while total delinquency rose to 0.65% [13][22] Capital and Shareholder Returns - The tangible book value per common share (non-GAAP) was $11.48, an increase of $1.15 or 11.1% from the previous year [15][23] - During Q3 2025, the company repurchased $12 million worth of common stock, maintaining capital levels above operational requirements [6][15]

Analysts on Wall Street project that F.N.B. (FNB) will announce quarterly earnings of $0.37 per share in its forthcoming report, representing an increase of 8.8% year over year. Revenues are projected to reach $443.38 million, increasing 7.3% from the same quarter last year.The current level reflects no revision in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this period.Ah ...

Accessibility StatementSkip Navigation PITTSBURGH, Sept. 25, 2025 /PRNewswire/ -- F.N.B. Corporation (NYSE: FNB) announced today that it plans to issue financial results for the third quarter of 2025 after the market close on Thursday, October 16, 2025. Chairman, President and Chief Executive Officer, Vincent J. Delie, Jr., Chief Financial Officer, Vincent J. Calabrese, Jr., and Chief Credit Officer, Gary L. Guerrieri, plan to host a conference call to discuss the Company's financial results on Friday, Octo ...

Core Insights - First National Bank, a subsidiary of F.N.B. Corporation, has appointed Santosh Sinha and Sundeep Tangirala as Senior Vice Presidents to enhance its AI and data science capabilities [1][3] - The focus on innovation and digital technology is aimed at driving growth and improving client experience [1] - Sinha will lead the AI strategy with an emphasis on ethical practices, while Tangirala will oversee strategic decisioning systems and regulatory models [1][3] Group 1: Company Developments - Santosh Sinha has over 10 years of experience in financial services and has previously worked as a cofounder of a technology startup and an AI researcher for the U.S. government [1][2] - Sundeep Tangirala has more than 20 years of technology experience, including nearly 15 years in the financial services sector, and previously served as Senior Vice President at PNC Bank [3][4] - F.N.B. Corporation operates in seven states and the District of Columbia, with total assets nearing $50 billion and approximately 350 banking offices [5][6] Group 2: Strategic Focus - The company aims to leverage AI, data science, and quantitative modeling to inform strategic planning and service delivery [1] - Tangirala's team will focus on identifying insights to drive revenue, efficiency, and process improvements across various departments [3] - The bank's services include commercial banking, consumer banking, and wealth management solutions, indicating a diversified service offering [6]

Accessibility StatementSkip Navigation Named One of America's Most Admired Workplaces by Newsweek and a Greater Pittsburgh Top Workplace for 15th Consecutive Year PITTSBURGH, Sept. 11, 2025 /PRNewswire/ -- F.N.B. Corporation announced today that its largest subsidiary, First National Bank, has been recognized by Newsweek as one of America's Most Admired Workplaces for 2026. The Company has received the award for the second consecutive year following its commencement in 2025. Additionally, 2025 marks the f ...

Core Viewpoint - F.N.B. Corp. plans to expand its branch network by adding approximately 30 new branches over the next five years, focusing on North Carolina, South Carolina, and the Mid-Atlantic Region, including Maryland, Virginia, and Washington, D.C. [1][8] Group 1: Expansion Strategy - The expansion builds on F.N.B. Corp's successful strategy in South Carolina, where it has invested significantly, opening five branches and around 160 branded ATMs, leading to a more than doubling of total deposits since entering the state [2][4] - With the new branches, FNB will operate about 380 locations and over 1,600 ATMs, including more than 110 branches and 500 ATMs in the Carolinas [3][8] - The new offices will feature modern designs and advanced banking technology, including ATMs with video chat capabilities and access to an eStore for product exploration [3][8] Group 2: Leadership Insights - Vincent J. Delie, Jr., chairman, president, and CEO of F.N.B. Corp, emphasized the effectiveness of the business model and commitment to client service, highlighting the omnichannel experience through the Clicks-to-Bricks strategy [4] - The expansion aligns with the company's strategy to boost revenues and loans, further supported by the recent acquisition of Raptor Partners LLC to enhance capital markets capabilities [4] Group 3: Market Performance - F.N.B. Corp's shares have increased by 17.3% over the past six months, outperforming the industry growth of 12% [7]

Core Insights - First National Bank (FNB), a subsidiary of F.N.B. Corporation, plans to add nearly 30 new branches over the next five years, focusing on expansion in North Carolina, South Carolina, and the Mid-Atlantic Region [1][3] Group 1: Expansion Strategy - The planned branches will enhance FNB's presence in high-growth markets, building on a successful expansion strategy demonstrated in South Carolina, where the bank has doubled total deposit balances [3][4] - FNB currently operates approximately 380 branches and over 1,600 ATMs, with more than 110 branches and 500 ATMs in the Carolinas [4] Group 2: Technological Integration - New branches will feature modern designs and incorporate the latest banking technology, including ATMs with video chat capabilities and access to the eStore® digital platform for product comparison and appointment scheduling [4] Group 3: Company Overview - F.N.B. Corporation, headquartered in Pittsburgh, operates in seven states and the District of Columbia, with total assets nearing $50 billion and approximately 350 banking offices [6][7] - The company offers a full range of commercial banking, consumer banking, and wealth management solutions through its subsidiary network [7]