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Mar 31, 2025
FNB Q1 2025 Earnings Report
FNB reported stable results with net income of $116.5M and maintained strong capital metrics.
Key Takeaways
F.N.B. Corporation delivered consistent Q1 2025 performance with stable EPS, modest revenue growth, and a record CET1 capital ratio. Tangible book value per share grew significantly, and asset quality remained strong with low charge-offs and delinquency.
Net income was $116.5 million, flat year-over-year.
EPS held steady at $0.32, with adjusted EPS also at $0.32.
CET1 capital ratio reached a record 10.7%, showing balance sheet strength.
Tangible book value per share rose 12.3% to $10.83.
Revenue by Segment
Forward Guidance
FNB remains well-positioned for a range of economic outcomes, backed by strong capital, diversified deposits, and conservative credit risk practices.
Positive Outlook
- Record CET1 capital ratio at 10.7%
- Strong tangible book value growth
- Steady EPS with no significant one-time impacts
- Resilient asset quality with low charge-offs
- Loan and deposit growth in a seasonally weak quarter
Challenges Ahead
- Flat year-over-year EPS and net income
- Net interest margin declined versus last year
- Service charges slightly down quarter-over-quarter
- Higher cost pressures in employee compensation and services
- Non-interest income largely flat year-over-year
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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