Education
About Us
Working with TipRanks
Follow Us
F.N.B. Corp (FNB)
NYSE:FNB
Earnings Data
Report Date
Jan 27, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.41Last Year’s EPS
0.38Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized multiple record outcomes (EPS, total revenue, net interest income, noninterest income), expanding capital, improved efficiency and solid credit metrics alongside active portfolio de-risking and thoughtful capital deployment. Management acknowledged some near-term headwinds — elevated but improving CRE concentration, modest expense growth from strategic investments, and moderate commercial loan utilization/attrition — while raising NII guidance and maintaining positive operating leverage. On balance, the favorable operating results, record capital levels, diversified fee growth and disciplined credit posture outweigh the manageable challenges.Company Guidance
Record EPS and Net Income
Earnings per share grew 14% sequentially to a record $0.41; reported net income available to common shareholders increased to $150 million for the quarter.
Record Total Revenue and Strong Operating Revenue Growth
Total revenue reached a quarterly record $457 million; operating pre-provision net revenue grew 18.3% year-over-year and operating revenue growth of 10.7% outpaced operating expense growth, driving positive operating leverage.
Net Interest Income and Margin Expansion
Record net interest income of $359.3 million, up 3.5% sequentially and >11% year-over-year; net interest margin expanded to 3.25%, up 6 basis points sequentially and 17 basis points year-over-year, aided by higher reinvestment yields and new loan pricing.
Record Noninterest Income and Fee Growth
Total noninterest income set a record at $98.2 million, up 9.5% year-over-year; capital markets income grew 27% and wealth management, mortgage banking and other fee businesses contributed to diversification and fee-income CAGR of ~9% over 10 years.
Strong Deposit Growth and Market Share Gains
Average deposits totaled $37.9 billion, an 8.2% annualized linked-quarter increase; period-end loan-to-deposit ratio was 90.9%; FDIC data showed F.N.B. grew deposit share in nearly 75% of its MSAs, now top 5 in nearly 50% of MSAs and top 3 in ~30%.
Loan Growth Led by Equipment Finance and Consumer Lending
Period-end loans increased 3% on an annualized linked-quarter basis; average loans and leases rose to $34.8 billion (+3.6% annualized linked quarter); equipment finance production grew strongly with 21% annualized loan growth.
Improved Capital and Tangible Book Value
Capital reached record levels: CET1 at 11% and tangible common equity at 8.7%; tangible book value per share grew 11.1% year-over-year to $11.48; $162 million returned to shareholders year-to-date via buybacks and dividends.
Efficiency and Expense Discipline
Operating noninterest expense rose 5% year-over-year to $245.8 million, but revenue growth outpaced expense growth; efficiency ratio improved ~280 basis points year-over-year to 52.4% with management projecting continued positive operating leverage and further efficiency initiatives for 2026.
Credit Metrics Remain Solid with Active Risk Management
Total delinquency finished at 65 bps (up 3 bps linked quarter); NPLs and OREO at 37 bps (up 3 bps); net charge-offs were 22 bps for the quarter (21 bps YTD). Funded reserve ended at $437 million (1.25%) with NPL coverage of 368% (inclusive of acquired discounts).
Progress on CRE Reduction and Portfolio De-risking
Nonowner CRE exposure declined by $226 million in the quarter and $646 million year-to-date, improving nonowner CRE concentration to 214% of capital; delinquency and NPLs in nonowner CRE improved to 53 bps and 50 bps respectively.
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 |
|---|---|---|---|
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% |
Jan 22, 2025 | $15.43 | $15.07 | -2.33% |
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 Jan 27, 2026, Before Open (Confirmed).
What is F.N.B. Corp (FNB) earnings time?
F.N.B. Corp (FNB) earnings time is at Jan 27, 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 2025 (Q4) is 0.41.