What guidance did F.N.B.'s management provide for the next earnings period?

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?

What is F.N.B.'s gross profit margin?

What is the revenue and EPS growth rate for F.N.B. year over year?

What does F.N.B. do and what are its main business segments?

Did F.N.B. beat or miss consensus estimates last quarter?

What were the key takeaways from F.N.B.'s earnings call?

- **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.

**【CEO Summary Section】**
- FNB reported record fourth-quarter operating net income of $182 million ($0.50 per diluted share) and full-year 2025 operating EPS of $1.59, up 14% year-over-year. Revenue reached $1.8 billion, driven by 9% net interest income growth and margin expansion.
- Launched new digital features like Payment Switch, enabling customers to move primary banking relationships to FNB. AI and data analytics investments are expected to generate $10-20 million annual cost savings, supporting revenue growth and operating leverage.
- Transferred $200 million of performing residential mortgages to held-for-sale, reducing CRE concentration to 197% of capital, below the 200% target. Loan-to-deposit ratio improved to 89.7%.

**【CFO Financial Commentary】**
- Fourth-quarter net interest income reached $365.4 million, up 13.4% year-over-year, with a 3.28% net interest margin (24 bps higher than 2024). Noninterest income of $92.3 million grew 8.8%, driven by wealth management (15% growth), service charges (+4.1%), and capital markets activity.
- Operating expenses of $256.5 million increased 3.4% year-over-year, with salary and benefits up 4.5% due to strategic hiring. Efficiency ratio improved to 53.8%, reflecting $10-20 million annual cost savings from technology investments.
- Full-year 2026 guidance: net interest income $1.495-1.535 billion, noninterest income $370-390 million, and noninterest expense $1.0-1.02 billion. CET1 ratio of 11.4% and tangible book value of $11.87 per share support capital deployment.

**【Q&A Highlights】**
- **Fee Income Growth**: 7 of 10 fee-based businesses achieved record highs in 2025. 2026 guidance includes $370-390 million noninterest income, driven by treasury management, wealth management, and public finance expansion. Mortgage banking benefits from lower rates and MSR recovery.
- **Operating Leverage**: 2026 cost savings target of $10-20 million annually via AI, data analytics, and process automation. Efficiency ratio expected to improve to low 50s by year-end, supported by $12 million of non-recurring Q4 expenses.
- **Loan Growth**: Mid-single-digit loan growth (3-5%) expected, with C&I and CRE leading. CRE capacity allows $1 billion in originations without changing concentration. Mortgage loans will be sold to redeploy capital into higher-return assets.
- **Capital Deployment**: $50 million share buybacks in 2025, with potential for higher activity in 2026. CET1 ratio of 11.4% provides flexibility for buybacks, dividends, and organic growth. No immediate M&A plans, focusing on internal capital generation.
- **Interest Rate Environment**: 225 bps rate cuts assumed in guidance. Deposit beta of 25% in 2025 is expected to decline to 30% by year-end, supporting margin stability. New loan production at 5.92% (24 bps above portfolio average) drives margin expansion.


F.N.B. Corporation (FNB) Q4 2025 Earnings Call Transcript

- **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.

**【CEO Summary Section】**
- **Record Earnings Growth**: Q3 EPS grew 14% linked quarter to $0.40, with net income reaching $150 million. Operating pre-provision net revenue increased 18% YoY, driven by fee-based businesses like capital markets and mortgage banking.
- **Revenue and Capital Strength**: Total revenue hit a record $457 million, with noninterest income at $98.2 million. Tangible common equity (TCE) reached 8.7%, and CET1 ratio stood at 11%, both records.
- **Loan and Deposit Growth**: Period-end loans increased 3% annualized, led by equipment finance (21% growth) and consumer lending. Deposit growth outpaced the industry at 7% annualized, with noninterest-bearing deposits at 26% of total.
- **Strategic Initiatives**: Focused on reducing CRE concentration (214% of capital) and expanding digital capabilities via AI-driven eStore and Common app. 30 new branches planned by 2030 in high-growth markets.

**【CFO Financial Commentary】**
- **Net Interest Income (NII)**: Q3 NII rose 3.5% to $359.3 million, with a 6 bps sequential expansion in net interest margin (3.25%). Full year NII guidance raised to $1.39-$1.405 billion, reflecting rate cuts and growth.
- **Noninterest Income**: Q3 noninterest income grew 9.5% YoY to $98.2 million, driven by capital markets (27% growth) and wealth management (8% YoY). Full year guidance updated to $365-$370 million.
- **Expense Management**: Operating expenses increased 5% YoY, but efficiency ratio improved to 52.4%, down 280 bps from Q3 2024. Positive operating leverage expected to continue.
- **Capital Returns**: $162 million returned to shareholders year-to-date via buybacks and dividends. CET1 ratio of 11% supports flexibility for growth and returns.

**【Q&A Key Highlights】**
- **Loan Growth Strategy**: Shifting focus to commercial lending, reducing reliance on refinancing risk. Equipment finance growth driven by fiscal policy and AI-driven customer targeting.
- **Deposit Management**: Cumulative deposit beta of 24% since rate cuts, with plans to maintain mid-30s beta through cycle. Noninterest-bearing deposits stable at 26% of total.
- **Expense Optimization**: $20 million annualized cost savings target for 2026, focusing on vendor renegotiations and AI-driven automation. Efficiency ratio expected to remain below 55%.
- **Fee Income Growth**: Investments in public finance, debt capital markets, and treasury management poised to drive mid-term fee growth. Mortgage banking benefits from lower rates and purchase money originations.
- **Capital Allocation**: CET1 ratio of 11% supports disciplined buybacks and dividend policy. Dividend payout ratio below 30% leaves flexibility for shareholder returns.

F.N.B. Corporation (FNB) Q3 2025 Earnings Call Transcript

- **Revenue Growth**: Q2 revenue up 6.5% linked-quarter, with noninterest income doubling over 10 years to $91M.
- **Margin Expansion**: NIM at 3.19% (+16 bps), driven by 56 bps spread on new loans and 165 bps reinvestment of securities.
- **Strategic Investments**: AI-driven multiproduct origination, public finance expansion, and eStore Common App integration across 30+ branches.
- **Credit Quality**: Delinquency down 13 bps to 62 bps, NPLs down 14 bps to 34 bps, and provision coverage at 393%.
- **Guidance**: Full-year NII $1.37-1.39B, noninterest income $355-365M, and 25 bps rate cuts expected in Sep/Dec.


**【CEO Summary Section】**
- **Record Financial Performance**: Q2 net income of $130.7 million ($0.36 EPS), with linked-quarter revenue growth of 6.5% driven by net interest income ($347M) and noninterest income ($91M, highest in company history). Pre-provision net revenue rose 16% to $192M.
- **Margin Expansion**: Net interest margin (NIM) increased 16 bps to 3.19%, with earning asset yields up 10 bps and funding costs down 10 bps. Loan growth of 5.3% annualized, deposit growth of $600M, and loan-to-deposit ratio at 91.9%.
- **Strategic Initiatives**: Integration of eStore Common App across 30+ branches, AI-driven multiproduct origination, and expansion into public finance and corporate investment banking. Organizational restructuring to align digital, data, and AI capabilities under Chief Strategy Officer.
- **Capital Strength**: CET1 ratio at 10.8%, tangible book value up 12.8% YoY to $11.14/share. Share buybacks of 725,000 shares ($13.85 avg price) and 14% ROTCE.

**【CFO Financial Commentary】**
- **Revenue Growth**: Total revenue ($438M) and NIM (3.19%) at highest levels since Q4 2023. Net interest income exceeded high-end guidance by $12M, driven by 56 bps spread on new commercial loans and 165 bps reinvestment of securities.
- **Expense Management**: Operating expenses ($246.2M) up 3.7% YoY, with strategic hires and risk management investments. Efficiency ratio improved to 54.8%.
- **Guidance Updates**: Full-year NII revised to $1.37-1.39B (prev $1.35-1.37B), noninterest income to $355-365M, and provision range narrowed to $85-100M. Expect 25 bps rate cuts in Sep and Dec.

**【Q&A Highlights】**
- **Margin Outlook**: Q3 NIM expected flat to +1 bps, with 2025 guidance incorporating Sep/Dec rate cuts. Deposit cost management and earning asset growth key to margin stability.
- **Commercial Loan Pipeline**: Short-term pipeline up 20%, driven by tax reform optimism and bonus depreciation. C&amp;I originations strong, offsetting line utilization decline.
- **M&A Strategy**: Focus on organic growth (9% loan/deposit CAGR organically over 15 years) and de novo expansion (30+ new branches in high-growth markets). M&amp;A viewed as opportunistic, not strategic priority.
- **Capital Allocation**: Share buybacks ($13.85 avg price) and dividend consideration as alternatives to loan growth. CET1 ratio treated as operating floor (10.8% vs. 10% target).
- **Deposit Strategy**: Noninterest-bearing demand at 26% of total deposits, with focus on commercial deposit pipeline and treasury management wins. Carolinas deposits up 17% YoY, Pittsburgh up 7%.


F.N.B. Corporation (FNB) Q2 2025 Earnings Call Transcript

- **Record Capital Levels**: CET1 10.7%, TCE 8.4%, and $10.83 tangible book value per share.
- **Revenue Growth**: 3.5% annualized loan growth, 1.4% deposit growth, and stable 3.03% net interest margin.
- **Strategic Acquisitions**: Raptor Partners adds $40B+ transaction advisory expertise to diversify fee income.
- **Tariff Resilience**: <5% of loans directly impacted; stress tests show 97% ACL coverage in severe recession.
- **Digital Expansion**: AI-driven direct deposit switch feature and eStore enhancements drive client primacy.
- **Buyback Potential**: $10M Q1 repurchases; may accelerate if valuation remains attractive post-tariff clarity.

**【CEO Opening Remarks】**
- F.N.B. reported net income of $116.5 million or $0.32 per share for Q1 2025.
- Key metrics include 12% annualized growth in tangible book value to $10.83, CET1 ratio of 10.7%, and 8.4% tangible common equity to assets.
- Revenue growth driven by net interest income and noninterest income, with strategic investments in high-value business units.
- Acquired Raptor Partners, an investment banking firm, to enhance advisory services and diversify revenue streams.
- Digital strategy, including AI-driven client engagement, achieved 3.5% annualized loan growth and 1.4% deposit growth in a seasonally slow quarter.

**【CFO Financial Review】**
- Total revenue $411.2 million, with net interest income $324 million (stable vs. prior quarter) and noninterest income $87.8 million.
- Deposit costs declined 24 bps Q/Q to 1.95%, with cumulative beta of 28% since rate cuts began.
- Net interest margin 3.03%, stable due to earning asset growth and cost management.
- Noninterest expense $246.8 million, down $7.1 million from prior quarter, with strategic hiring and risk management investments.
- Guidance for 2025: Net interest income $1.345-$1.385 billion, noninterest income $350-$370 million, and provision $85-$105 million.

**【Credit Officer Update】**
- Asset quality stable: delinquency 75 bps, NCOs 15 bps, and reserve coverage 267%.
- Tariff impact assessment shows <5% of C&I loans exposed to direct tariffs.
- Stress tests show ACL covers 97% of charge-offs in severe recession.
- Nonowner CRE delinquency improved to 82 bps, with $283 million portfolio reduction.

**【Q&A Highlights】**
- **Loan Growth**: C&I/leasing up mid-single digits, mortgage growth driven by salable production. Tariffs caused 10% pipeline decline but expect recovery post-tariff resolution.
- **Expense Management**: $15-20 million annual cost savings target, with seasonal expenses impacting Q1/Q2.
- **Tariff Risk**: <5% of loans directly impacted; stress tests show strong liquidity and capital coverage.
- **Share Buybacks**: $10 million Q1 repurchases; may accelerate if tariffs resolve and valuation remains attractive.
- **M&A Strategy**: Focus on fee income platforms like Raptor; seeking accretive deals with >15% ROE.
- **Digital Innovation**: Direct deposit switch feature rolled out, reducing customer switching barriers and driving deposit growth.


F.N.B. (FNB)-17 Apr 25-2025 Q1 Earnings call transcript

- **Record Financial Performance**: Q4 EPS of $0.38, full-year EPS of $1.39, with 5% loan growth and 6.9% deposit growth outpacing industry peers.
- **Balance Sheet Strength**: CET1 ratio of 10.6%, tangible book value up 11% to $10.49, and $500M senior notes issuance at favorable terms.
- **Non-Interest Income Growth**: $350M record, driven by capital markets expansion and 9% CAGR in fee income over 10 years.
- **Credit Resilience**: NCOs of 24bp, reserve coverage at 285%, and proactive CRE portfolio management reducing exposure by $300M in Q4.
- **2025 Guidance**: Net interest income $1.345B-$1.385B, non-interest income $350M-$370M, and expense growth of 4.6% excluding one-time items.

**【CEO Opening Remarks】**
- FNB reported Q4 operating net income of $136.7 million ($0.38 EPS), with full-year 2024 EPS of $1.39. 
- Achieved 5% loan growth and 6.9% deposit growth vs. industry, driven by technology and market share gains.
- Non-interest income reached $350 million, a record high, supported by diversified products and services.
- CET1 ratio improved to 10.6%, tangible book value per share increased 11% to $10.49.
- Completed $231M securities restructuring, reinvesting proceeds at 4.78% yield (337bp improvement).
- Issued $500M senior notes at favorable terms, reflecting market confidence in FNB's balance sheet strength.

**【CFO Financial Details】**
- Q4 net interest income: $322.2M (-$1.1M vs. prior quarter). NIM: 3.04% (-4bp linked quarter).
- Deposit costs: 2.2% (down 8bp linked quarter). Loan-to-deposit ratio: 91.5% (improved 160bp vs. 2023).
- Non-interest income: $50.9M (excluding restructuring impact). Mortgage banking income up $1.4M linked quarter.
- Non-interest expense: $248.2M (+$14M vs. prior quarter), driven by one-time tax credit-related costs.
- 2025 guidance: 
  - Net interest income: $1.345B-$1.385B
  - Non-interest income: $350M-$370M
  - Non-interest expense: $965M-$985M
  - Effective tax rate: 21%-22%

**【Credit Officer Update】**
- Total delinquency: 83bp (up 4bp). NCOs: 24bp for quarter, 19bp annualized.
- Funded provision: $23.2M. Ending reserve coverage: 285% (including discounts).
- Non-owner CRE delinquency: 99bp. Reduced CRE exposure by $300M in Q4 to 220% of risk-based capital.
- Stress testing shows ACL covers >90% of charge-offs in severe downturn.

**【Key Q&A Themes】**
1. **Fee Income Growth**: 
   - New capital markets businesses (public finance, investment banking) expected to breakeven in 2025, with meaningful contribution in 2026.
   - 8 new business lines generated >$1M in revenue within 12 months of launch.
2. **Deposit Cost Management**: 
   - Cumulative deposit beta since Fed cuts: 16% (vs. 15% guidance). 
   - Q4 deposit beta: 16% (time deposits 22%, demand 10%).
   - 2025 target: cumulative beta in mid-30s, with CD rates down 100-125bp.
3. **Loan Growth Outlook**: 
   - 2025 spot loan growth: mid-single digits. 
   - C&amp;I pipeline improving, with Carolinas leading growth.
   - Auto loan sale in Q3 2024 limited consumer loan growth (5% annualized).

Actual										0.16	0.26	0.26	0.28	0.28	0.31	0.34	0.3	0.26	0.31	0.39	0.44	0.4	0.39	0.4	0.38	0.34	0.34	0.34	0.38	0.32	0.36	0.41	0.5
Forecast										0.1281	0.126	0.2267	0.2409	0.2569	0.281	0.293	0.2974	0.2356	0.3024	0.3633	0.4175	0.3883	0.3775	0.3607	0.3525	0.3389	0.3456	0.3488	0.3275	0.2975	0.3388	0.3743	0.4078	0.3838
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	+24.90%	+106.35%	+14.69%	+16.23%	+8.99%	+10.32%	+16.04%	+0.87%	+10.36%	+2.51%	+7.35%	+5.39%	+3.01%	+3.31%	+10.90%	+7.80%	+0.32%	-1.62%	-2.52%	+16.03%	+7.56%	+6.26%	+9.54%	+22.61%	0.00%

FNB

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FNB

FNB fundamentals

FNB Q1 2026 Earnings Preview

Earnings Call

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You can ask Aime