#United States #Pittsburgh #F.N.B. Corporation #FNB Corporation

F.N.B. Corporation Reports Impressive Earnings Growth in Q2 2025

F.N.B. Corporation, listed under the NYSE symbol FNB, has demonstrated remarkable growth in its second quarter of 2025. The company announced a net income available to common shareholders totaling $130.7 million or $0.36 per diluted share. This marks a substantial increase from the same period in 2024, where they reported a net income of $123.0 million, translating to $0.34 per diluted share. The increase is indicative of F.N.B.'s effective financial strategies and strong operational performance.

Chairman and CEO Vincent J. Delie Jr. stated, "The second quarter results reflect a robust performance driven by margin expansion and a growth in net interest income and non-interest income. Our pre-provision net revenue also saw significant growth, with a 16% quarterly increase."

The total revenue for F.N.B. Corporation reached a record $438 million during this quarter, marking a 6.5% increase linked to margin expansion. The rise in profitability has fostered record capital levels with a Common Equity Tier 1 (CET1) ratio estimated at 10.8% – the highest in the company’s history.

Key Highlights of Second Quarter 2025

• - Average loans and leases increased to $34.5 billion, up by $1.2 billion or 3.7% year-over-year.
• - Net interest income totaled $347.2 million, reflecting a 9.9% increase over the prior year.
• - Capital growth was solid, with average deposits rising to $37.1 billion, representing an increase of 7.3% compared to the previous year.
• - The loan-to-deposit ratio stood at 92%, stable from the prior quarter but significantly lower than the 96% ratio reported a year prior.

With sustained levels of profitability, F.N.B. has further bolstered its capital base, now registering a tangible book value per share of $11.14, which reflects a year-over-year growth of 13%. The increase was mostly due to improved performance metrics driven by enhanced credit risk management and lending practices that mitigated potential losses from loans and capitalization expenditures.

Despite competitive pressures and the ongoing effects of monetary policies, F.N.B. Corporation continues to adapt and cater to its diverse geographic footprint, evidenced by successful underwriting standards and proactive credit risk management actions. This strategic focus includes investments in their digital platforms and initiatives such as the Clicks-to-Bricks strategy aimed at capitalizing on evolving consumer behavior.

The company also observed a notable decrease in non-performing loans to 0.34%, further solidifying its position in managing credit quality. Additionally, total delinquency was reported at 0.62%, showcasing F.N.B.'s sustainable asset quality.

Conclusion

F.N.B. Corporation's strong second-quarter performance underscores its resilience in a competitive landscape and highlights the effectiveness of its strategic initiatives. As the financial sector continues to navigate through evolving economic dynamics, F.N.B. Corporation is well-positioned for further growth and operational efficiency. Upcoming quarters will reveal how these strategies adapt to market changes and support continued profitability.

For more updates, investors and stakeholders can follow F.N.B. Corporation through their official websites and conference calls, where top executives frequently discuss strategic directions and growth opportunities.