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Jun 30, 2022

FNB Q2 2022 Earnings Report

Reported strong second quarter operating earnings per share which increased 19% linked-quarter to $0.31.

Key Takeaways

F.N.B. Corporation reported strong second quarter earnings with a record revenue of $336 million. The company's operating expenses remained well-controlled, leading to an efficiency ratio of 55.2%. Spot loan growth was a record $1.3 billion, or 19.5% annualized, excluding PPP.

Linked quarter annualized loan growth of 18%.

Revenue for the quarter totaled a record $336 million.

Operating expenses remained well-controlled declining linked-quarter, leading to positive operating leverage and an efficiency ratio of 55.2%.

Return on average tangible common equity of 15.5%.

Total Revenue
$336M
Previous year: $308M
+9.2%
EPS
$0.31
Previous year: $0.31
+0.0%
Efficiency Ratio
55.2%
Previous year: 56.8%
-2.8%
Cash and Equivalents
$2.03B
Previous year: $2.94B
-31.1%
Free Cash Flow
$311M
Previous year: $61M
+409.8%
Total Assets
$41.7B
Previous year: $38.4B
+8.5%

FNB

FNB

Forward Guidance

As inflation and interest rates continue to rise, FNB is prepared for a broad range of economic scenarios given its strong liquidity and capital ratios, its diversified business mix, and its well-established risk management track record.