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F.N.B. Corp (FNB)
NYSE:FNB
Earnings Data
Report Date
Oct 15, 2025Before Open (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.37Last Year’s EPS
0.34Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
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
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.
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 |
|---|---|---|---|
Jul 17, 2025 | $15.87 | ― | ― |
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 0.37.