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. 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]