The earnings call presented a strong financial performance with record-breaking revenue and growth, significant capital strength, and improvements in asset quality. The company highlighted successful digital and AI initiatives as well as expanded noninterest income. However, challenges remain with geopolitical risks, CRE portfolio management, and increased noninterest expenses.

Company Guidance

In the F.N.B. Corporation's second quarter 2025 earnings call, the company reported a net income of $130.7 million, or $0.36 per share, reflecting strong financial performance. The linked-quarter revenue growth was 6.5%, driven by record net interest income of $347 million and noninterest income of $91 million. Pre-provision net revenue increased by 16% to $192 million. The company's CET1 ratio was nearing 11%, with a tangible common equity of 8.5%, and a tangible book value per share of $11.14, marking a 13% increase year-over-year. The net interest margin expanded by 16 basis points to 3.19%, and annualized loan growth reached 5.3%. Deposit growth was robust, with average total deposits surpassing $37 billion. The loan-to-deposit ratio decreased slightly to 91.9%. F.N.B. also achieved record noninterest income, highlighting growth in debt capital markets and treasury management. The company is leveraging digital technology and AI, integrating the eStore common application across channels to improve customer experience and efficiency. Asset quality improved, with total delinquency reduced to 62 basis points and criticized loans down by 4.5% linked-quarter. For the third quarter and full year, the company expects continued growth in loans and deposits, with updated guidance reflecting strong performance in net interest income and noninterest income.

Record-Breaking Revenue and Growth

The second quarter's strong financial performance led to net income available to common shareholders of $130.7 million, or $0.36 per share. F.N.B. achieved linked-quarter revenue growth of 6.5%, driven by net interest income of $347 million and noninterest income of $91 million, all at record levels.

Capital Strength and Shareholder Returns

F.N.B. achieved record levels with the CET1 ratio approaching 11%, tangible common equity at 8.5%, and tangible book value per share of $11.14, up 13% year-over-year. The company repurchased 725,000 shares this quarter.

Expansion of Noninterest Income

Reported the highest level of noninterest income in the company's history, more than doubling over the last 10 years. Debt capital markets and treasury management reached record levels.

Asset Quality Improvements

Total delinquency ended the quarter at 62 basis points, down 13 bps from the prior quarter. NPLs and OREO down 14 bps, ending at 34 basis points. Net charge-offs totaled 25 bps, with criticized loans down 4.5% linked-quarter.

Digital and AI Initiatives

F.N.B. fulfilled an important milestone in their Clicks-to-Bricks strategy by integrating the eStore common application into their in-branch origination platform. Common App submissions increased 108% linked-quarter.

F.N.B. (FNB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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FNB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	0.38 / -	0.34	―	―	―
Jul 17, 2025	2025 (Q2)	0.34 / 0.36	0.34	5.88% (+0.02)
Apr 16, 2025	2025 (Q1)	0.30 / 0.32	0.34	-5.88% (-0.02)
Jan 22, 2025	2024 (Q4)	0.33 / 0.38	0.38	0.00% (0.00)
Oct 17, 2024	2024 (Q3)	0.35 / 0.34	0.4	-15.00% (-0.06)
Jul 17, 2024	2024 (Q2)	0.35 / 0.34	0.39	-12.82% (-0.05)
Apr 17, 2024	2024 (Q1)	0.34 / 0.34	0.4	-15.00% (-0.06)
Jan 18, 2024	2023 (Q4)	0.35 / 0.38	0.44	-13.64% (-0.06)
Oct 18, 2023	2023 (Q3)	0.36 / 0.40	0.39	2.56% (+0.01)
Jul 19, 2023	2023 (Q2)	0.38 / 0.39	0.31	25.81% (+0.08)

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
Jul 17, 2025	$15.87	$16.07	+1.26%
Apr 16, 2025	$12.12	$12.50	+3.14%
Jan 22, 2025	$15.65	$15.29	-2.30%
Oct 17, 2024	$14.49	$14.28	-1.45%

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 Oct 15, 2025, Before Open (Confirmed).

What is F.N.B. Corp (FNB) earnings time?

F.N.B. Corp (FNB) earnings time is at Oct 15, 2025, 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 2025 (Q3) is 0.38.

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