Loading...
•
Dec 31, 2025
FNB Q4 2025 Earnings Report
F.N.B. Corporation reported strong earnings with record net interest income and capital levels in Q4 2025.
Key Takeaways
F.N.B. Corporation ended Q4 2025 with solid performance, reporting a net income of $168.7 million and adjusted EPS of $0.50. The company saw strong contributions across its fee-based businesses and maintained strong asset quality while surpassing $50 billion in total assets.
Reported net income of $168.7 million and adjusted EPS of $0.50.
Total revenue reached $369.3 million for the quarter.
Loan-to-deposit ratio improved to 89.7%, supporting balance sheet stability.
Tangible book value per share rose 13% year-over-year to $11.87.
Revenue by Segment
Forward Guidance
F.N.B. Corporation projects continued strong performance supported by disciplined strategy, investments in technology, and balanced growth.
Positive Outlook
- Investments in AI and automation are expected to drive operational efficiency.
- Strong capital ratios position the company for sustainable growth.
- Digital innovation continues to enhance customer engagement.
- Loan portfolio remains well-underwritten with stable asset quality.
- Omnichannel strategy supports revenue diversification.
Challenges Ahead
- Lower yields on earning assets may pressure interest income.
- Macroeconomic uncertainties could impact loan demand.
- Continued amortization in mortgage servicing rights may affect mortgage revenue.
- Market volatility could reduce capital markets income.
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
Loading earnings performance data...
Loading earnings reaction data...