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Mar 31, 2022

FNB Q1 2022 Earnings Report

F.N.B. Corporation reported earnings for Q1 2022, which included the successful acquisition of Howard Bancorp, Inc. and a newly announced $150 million share repurchase program.

Key Takeaways

F.N.B. Corporation reported a net income available to common stockholders of $51.0 million, or $0.15 per diluted common share, for the first quarter of 2022. The company's operating earnings per share (non-GAAP) was $0.26, excluding merger-related and branch consolidation costs. Revenue grew by 3.4%, driven by net interest income and loan growth. A new $150 million share repurchase program was approved by the Board of Directors.

Completed the acquisition of Howard Bancorp, Inc. on January 22, 2022, adding $1.8 billion in loans and deposits.

Total loans and leases, excluding PPP loans, increased by $3.6 billion, or 15.7%, compared to Q1 2021.

Net interest income increased by $11.2 million, or 5.0%, to $234.1 million.

Board of Directors approved a new $150 million share repurchase program.

Total Revenue
$312M
Previous year: $306M
+2.2%
EPS
$0.26
Previous year: $0.28
-7.1%
Efficiency Ratio
60.66%
Previous year: 58.7%
+3.3%
Net Interest Margin
2.61%
Loan to Deposit Ratio
79.2%
Previous year: 84.1%
-5.8%
Cash and Equivalents
$3.86B
Previous year: $2.67B
+44.6%
Free Cash Flow
$331M
Previous year: $207M
+59.9%
Total Assets
$42B
Previous year: $38.5B
+9.2%

FNB

FNB

FNB Revenue by Segment

Forward Guidance

F.N.B. Corporation did not provide specific forward guidance in this earnings report. The report focused on the successful completion of the Howard Bancorp acquisition and the announcement of a new share repurchase program.