FNB
F.N.B.·NYSE
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FNB fundamentals
F.N.B. (FNB) released its earnings on Jan 21, 2026: revenue was 457.78M (YoY +22.68%), missed estimates; EPS was 0.5 (YoY +31.58%), beat estimates.
Revenue / YoY
457.78M
+22.68%
EPS / YoY
0.5
+31.58%
Report date
Jan 21, 2026
FNB Earnings Call Summary for Q4,2025
- Record Financial Performance: 2025 operating EPS of $1.59 (+14% YoY), driven by 9% net interest income growth and 24 bps margin expansion. Fourth-quarter net interest income of $365.4 million reflects strong balance sheet management.
- Digital Innovation & Cost Efficiency: $10-20 million annual cost savings from AI and data analytics, enabling 3.4% expense growth vs. 14% revenue growth. Efficiency ratio improved to 53.8%.
- Loan Growth Outlook: Mid-single-digit (3-5%) loan growth in 2026, with C&I and CRE leading. CRE capacity allows $1 billion in originations without changing concentration. Mortgage loans will be sold to redeploy capital.
- Capital Deployment: $50 million buybacks in 2025, potential for higher activity in 2026. CET1 ratio of 11.4% supports growth without M&A.
- Interest Rate Sensitivity: 225 bps rate cuts assumed. Deposit beta of 25% in 2025 expected to decline to 30% by year-end, supporting margin stability.
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Key Indicators
F.N.B. (FNB) key financial stats and ratios, covering profitability, financial health, and leverage.
F.N.B. (FNB)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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F.N.B. (FNB)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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F.N.B. (FNB)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does F.N.B. (FNB) generate its revenue? Explore its key revenue streams and top earning regions.
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Track F.N.B. (FNB) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What factors drove the changes in F.N.B.'s revenue and profit?What is F.N.B.'s gross profit margin?What does F.N.B. do and what are its main business segments?What were the key takeaways from F.N.B.’s earnings call?What is the market's earnings forecast for F.N.B. next quarter?What is F.N.B.'s latest dividend and current dividend yield?Did F.N.B. beat or miss consensus estimates last quarter?What guidance did F.N.B.'s management provide for the next earnings period?
