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F.N.B. Corporation Reports Fourth Quarter and Full Year 2025 Earnings

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Total Assets Crossed $50 billion with Multiple Records for Full Year 2025, Including Total Revenue o...

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F.N.B. Corporation reported strong financial results for Q4 2025, with a net income of $168.7 million, driving operating earnings per share to $1.59 for the year. Significant achievements include a 13% rise in tangible book value and a robust Common Equity Tier 1 ratio of 11.4%, reflecting solid performance and capital generation.

Sentiment Rationale

FNB's solid earnings growth, enhanced capital ratios, and robust loan activity suggest ongoing strength. Similar patterns in the past have often led to positive stock price movements for financial institutions.

Trading Thesis

FNB is positioned for growth; consider buying for long-term appreciation.

Market-Moving

  • Net interest income set a record at $365.4 million, impacting profitability positively.
  • Loan growth of 3.4% could enhance revenue streams and earnings.
  • Improved capital ratios strengthen FNB's stability and creditworthiness post-earnings.
  • Significant tax credits could enhance future profitability and reinvestment potential.

Key Facts

  • FNB reported Q4 2025 net income of $168.7 million, up 53.6% YoY.
  • Operating earnings per share for 2025 increased to $1.59, up 14% YoY.
  • Tangible book value per common share rose 13% Y/Y to $11.87.
  • Average loans increased by 3.4%, driven by robust consumer loan growth.
  • Common Equity Tier 1 ratio improved to an estimated 11.4%.

Companies Mentioned

  • F.N.B. Corporation (FNB): Strong performance in 2025 sets a positive outlook for FNB.

Earnings

This report fits in the 'Earnings' category as it provides a comprehensive overview of FNB's financial performance, illustrating robust growth and improved metrics. The earnings results are indicative of the bank's effective management strategies and market positioning, making it relevant for investors evaluating performance in the banking sector.

F.N.B. Corporation Reports Strong Q4 2025 Earnings Amid Record Growth

F.N.B. Corporation (NYSE: FNB) has announced impressive earnings for the fourth quarter of 2025, showcasing a robust financial performance that has resulted in significant growth in net income and key operating metrics. The company reported a net income of $168.7 million, translating to $0.47 per diluted common share, marking a robust increase from the previous year.

Fourth Quarter and Full-Year 2025 Highlights

In comparison to the fourth quarter of 2024, which recorded a net income of $109.9 million or $0.30 per diluted share, FNB has shown marked improvement. Furthermore, the net income for the third quarter of 2025 stood at $149.5 million, or $0.41 per diluted share.

On an operating basis, the earnings per diluted common share (non-GAAP) for Q4 2025 was reported at $0.50, after excluding significant items impacting earnings. In comparison, Q4 2024's figure was $0.38, and the third quarter of 2025 reported $0.41.

For the full year of 2025, FNB achieved a net income of $565.4 million, equivalent to $1.56 per diluted common share, a significant increase from $459.3 million or $1.27 per diluted common share in 2024.

Record Performance and Capital Levels

FNB Chairman, President and CEO, Vincent J. Delie, Jr., highlighted the record-setting performance, stating, “F.N.B. Corporation delivered an exceptional fourth quarter with an operating earnings per diluted common share of $0.50 and a return on average tangible common equity of 16%.”

Delie further noted that the company achieved all-time revenue highs in seven of their fee-based businesses, with total revenue for the year reaching $1.8 billion and operating net income of $577 million. Additionally, the tangible book value per share (non-GAAP) rose by 13% year-over-year to $11.87.

Key Financial Metrics

  • Average loans and leases: $35.0 billion (up 3.4%)
  • Average deposits: $38.6 billion (up 4.5%)
  • Net interest income: $365.4 million (up 1.7% linked-quarter)
  • Net interest margin (FTE): 3.28%
  • Common Equity Tier 1 ratio: 11.4% (estimated)
  • Tangible book value per common share: $11.87 (up 13.2% from 2024)

Outlook and Strategic Focus

Looking forward, F.N.B. is poised to continue its strategic focus on enhancing its loan portfolio management and optimizing the balance sheet. Delie emphasized the ongoing investments in technology and innovation aimed at improving operational efficiency and customer experience while achieving significant operational leverage.

Additionally, FNB demonstrated its community commitment by contributing $20 million to the FNB Foundation and repurchasing $18 million in common stock during the fourth quarter.

In summary, F.N.B. Corporation's performance in the fourth quarter and throughout 2025 highlights its continued growth, resilience, and commitment to delivering value to its shareholders and clients.

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