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Mar 31
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.
FNB
FNB
FNB Revenue by Segment
Revenue by Segment
Service Charges Revenue
CapyFin.comTrust Services Revenue
CapyFin.comInsurance Commissions Revenue
CapyFin.comSecurities Commissions Revenue
CapyFin.comCapital Markets Income Revenue
CapyFin.comMortgage Banking Revenue
CapyFin.comDividends on Non-Marketable Revenue
CapyFin.comBank-Owned Life Insurance Revenue
CapyFin.comOther Income Revenue
CapyFin.com 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