The earnings call reflects a strong performance with record revenue and significant growth in capital, loan, and deposit metrics. However, challenges remain, particularly in commercial real estate and due to economic uncertainties that could impact future performance.

Company Guidance -

Q3 2025

During the F.N.B. Corporation's second quarter 2025 earnings call, the company reported robust financial performance and provided guidance for future quarters. The net income available to common shareholders reached $130.7 million, translating to $0.36 per share, with record levels of net interest income at $347 million and noninterest income at $91 million. The CET1 ratio was approaching 11%, with tangible common equity at 8.5% and a tangible book value per share of $11.14, up 13% year-over-year. F.N.B. demonstrated a net interest margin expansion of 16 basis points, resulting in a net interest margin of 3.19%. The loan-to-deposit ratio stood at 91.9%, with average total deposits surpassing $37 billion. The company revised its full-year net interest income guidance to $1.37 billion to $1.39 billion, reflecting expected benefits from anticipated rate cuts. Noninterest income guidance for the full year was adjusted to $355 million to $365 million, with expected noninterest expenses between $975 million to $985 million. The company continues to emphasize organic growth, maintaining a noninterest-bearing demand deposit level of 26%, and achieving a 5.3% annualized loan growth. F.N.B. also highlighted its strategic investments in digital technology and AI, aiming to enhance customer experience and operational efficiency across its digital ecosystem.

Record Revenue Achievement

F.N.B. achieved linked-quarter revenue growth of 6.5% to a record $438 million, driven by net interest income of $347 million and noninterest income of $91 million, both at record levels.

Capital and Margin Expansion

F.N.B. reached record capital levels with CET1 ratio approaching 11% and tangible book value per share increasing by 13% year-over-year. The net interest margin expanded by 16 basis points to 3.19%.

Strong Loan and Deposit Growth

Average annualized loan growth totaled 5.3%, and average total deposits grew to over $37 billion. The loan-to-deposit ratio decreased to 91.9%, down 450 basis points since June 2024.

Asset Quality Improvement

Total delinquency decreased by 13 basis points to 62 basis points, and net charge-offs totaled 25 basis points for the quarter. Criticized loans were down 4.5% on a linked-quarter basis.

Strategic Technological Advancements

F.N.B. integrated the eStore common application into its in-branch platform, increasing application submissions by 108% linked-quarter and facilitating AI-driven product recommendations.

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

Daily Earnings Calendar >

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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