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F.N.B. Corp (FNB)
NYSE:FNB
Earnings Data
Report Date
Apr 22, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.38Last Year’s EPS
0.32Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed strong positive momentum: record annual revenue, earnings, net interest income, margin expansion, improved capital metrics, robust deposit growth, and solid asset quality with high coverage ratios. Management highlighted digital and AI investments, expected cost savings and positive guidance for 2026 (mid-single-digit loan/deposit growth, modest margin improvement, and targeted efficiency improvement to low 50s). Lowlights were largely tactical or one-time (mortgage portfolio transfer, discrete charitable and impairment items), sensitivity to assumed Fed rate cuts, and near-term loan balance pressure from payoffs and secondary market exits. Overall, the highlights materially outweigh the lowlights, leaving a constructive outlook but with execution and macro risks to monitor.Company Guidance
Record Annual Revenue and Earnings
Full year 2025 operating revenue of $1.8 billion, operating net income available to common shareholders of $577 million, and operating EPS of $1.59 (full-year operating EPS grew 14% year-over-year).
Strong Q4 Operating Results
Fourth quarter operating net income available to common shareholders of $181.8 million ($0.50 per diluted share) and record total revenues for the quarter of nearly $458 million, up 12.4% on an operating basis year-over-year.
Record Net Interest Income and Margin Expansion
Q4 net interest income of $365.4 million (record), up 1.7% linked quarter and 13.4% year-over-year; net interest margin of 3.28%, up 3 basis points linked quarter and up 24 basis points year-over-year.
Improved Capital and Book Value
Total assets exceeded $50 billion for the first time; CET1 ratio of 11.4%, tangible common equity ratio of 8.9%, and tangible book value per share of $11.87, an increase of 13.2% year-over-year.
Strong Asset Quality Metrics and Coverage
Total delinquency 71 bps (up 6 bps sequentially), NPLs and OREO at a multiyear low of 31 bps (down 6 bps), net charge-offs 19 bps for Q4 and 20 bps for the year; ending fund reserve $440 million (1.26%, 1 bp up sequentially) and NPL coverage at 438% inclusive of discounts.
Fee Income and Wealth Momentum
Operating noninterest income of $92.3 million, up 8.8% year-over-year; Wealth Management revenues grew 15% from 2024 levels and seven fee-based businesses reached all-time highs for the full year.
Deposit Growth and Improved Loan-to-Deposit Ratio
Q4 average deposits $38.6 billion, up $740 million (7.7% linked-quarter annualized); average noninterest-bearing deposits exceeded $10 billion (up 4.5% linked-quarter annualized); loan-to-deposit ratio improved to 89.7% (sub-90%).
Efficiency and Cost Management Progress
Fourth quarter efficiency ratio improved to 53.8%, 307 basis points better than Q4 2024; ongoing disciplined expense management has delivered $10–$20 million annual cost savings since 2019 and management expects higher run-rate savings in 2026 through automation and AI.
FNB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
FNB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 20, 2026 | $17.27 | $17.77 | +2.90% |
Oct 16, 2025 | $14.54 | $14.98 | +3.03% |
Jul 17, 2025 | $15.64 | $15.84 | +1.28% |
Apr 16, 2025 | $11.95 | $12.32 | +3.10% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does F.N.B. Corp (FNB) report earnings?
F.N.B. Corp (FNB) is schdueled to report earning on Apr 22, 2026, Before Open (Confirmed).
What is F.N.B. Corp (FNB) earnings time?
F.N.B. Corp (FNB) earnings time is at Apr 22, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FNB EPS forecast?
FNB EPS forecast for the fiscal quarter 2026 (Q1) is 0.38.