FNB
F.N.B.·NYSE
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FNB fundamentals
F.N.B. (FNB) released its earnings on Oct 17, 2025: revenue was 457.44M (YoY +10.75%), beat estimates; EPS was 0.41 (YoY +20.59%), beat estimates.
Revenue / YoY
457.44M
+10.75%
EPS / YoY
0.41
+20.59%
Report date
Oct 17, 2025
FNB Earnings Call Summary for Q3,2025
- Record Financial Performance: Q3 EPS of $0.40 (14% linked quarter growth) and net income of $150 million highlight strong profitability, with operating pre-provision net revenue up 18% YoY.
- Balanced Growth: Loans grew 3% annualized, deposits 7%, and noninterest income hit $98.2 million. CET1 ratio of 11% underscores capital strength.
- Strategic Shifts: Focus on commercial lending, AI-driven customer acquisition, and reducing CRE concentration (214% of capital). 30 new branches planned for high-growth markets.
- Efficiency and Returns: Efficiency ratio improved to 52.4%, with positive operating leverage. $162 million returned to shareholders year-to-date via buybacks and dividends.
- Future Growth Drivers: Fee income growth from public finance, debt capital markets, and treasury management. Mortgage banking poised to benefit from lower rates.
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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 is the market's earnings forecast for F.N.B. next quarter?What is the revenue and EPS growth rate for F.N.B. year over year?What is F.N.B.'s gross profit margin?What guidance did F.N.B.'s management provide for the next earnings period?What were the key takeaways from F.N.B.’s earnings call?What is F.N.B.'s latest dividend and current dividend yield?Did F.N.B. beat or miss consensus estimates last quarter?What factors drove the changes in F.N.B.'s revenue and profit?
