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Sep 30
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.
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 Equity Revenue
CapyFin.comBOLI Revenue
CapyFin.comOther Revenue
CapyFin.com 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.
- Pressure on net interest income growth from lower loan yields.