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Sep 30, 2025
FNB Q3 2025 Earnings Report
FNB reported record Q3 results with strong EPS growth and improved capital levels.
Key Takeaways
FNB delivered a solid Q3 2025 performance, achieving record EPS and revenue driven by growth in net interest income and non-interest income. Asset quality remained stable while capital levels reached new highs.
EPS reached a record $0.41, up from $0.30 YoY.
Revenue hit $457,000,000, driven by net interest and non-interest income growth.
Net income totaled $149,509,000, with operating income at $147,714,000.
Tangible book value per share grew 11% YoY to $11.48.
Revenue by Segment
Forward Guidance
The company remains confident in future growth due to strong capital levels, asset quality, and strategic investments in digital banking.
Positive Outlook
- Record EPS and revenue levels indicate sustainable performance.
- Capital ratios improved to all-time highs.
- Strong growth in residential mortgage lending and consumer loans.
- Efficiency ratio improved YoY, signaling operational discipline.
- Digital investments continue to support client acquisition and retention.
Challenges Ahead
- Non-performing loans slightly increased compared to the prior quarter.
- Indirect auto loan exposure remains a risk area post-sale adjustment.
- Slight decline in commercial real estate loan balances.
- Bank-owned life insurance and dividend income declined YoY.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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