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

F.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, recently reported its earnings for the fourth quarter of 2025. The company achieved a net income attributable to common shareholders of $168.7 million, translating to $0.47 per diluted share. This marks a substantial increase from the $109.9 million, or $0.30 per diluted share, reported in the same quarter a year prior.

Financial Highlights

In the full year of 2025, the corporation noted a remarkable net income of $565.4 million, equating to $1.56 per diluted share. Compared to 2024, which saw a net income of $459.3 million ($1.27 per diluted share), F.N.B. Corporation's financials reflected a robust growth trajectory, with earnings per diluted share increasing by 23% on a reported basis and 14% on a non-GAAP operating basis.

Operating earnings for the fourth quarter also improved, with a reported $0.50 per diluted share when excluding significant items impacting earnings. This upturn in profitability signals the effectiveness of F.N.B.'s operational strategy, which emphasizes profitability and capital generation. The strong performance has propelled the tangible book value per common share to $11.87, a 13% increase year-over-year.

Growth in Lending and Deposits

The company reported that average loans and leases reached $35.0 billion, a rise of 3.4% driven primarily by consumer loan growth. Additionally, average deposits totaled $38.6 billion, a significant increase of 4.5% compared to the previous year. This growth in both loans and deposits positively impacted net interest income, which was noted at a record $365.4 million—a 1.7% increase from the previous quarter.

Investment in Technology

F.N.B. Corporation's management acknowledged the focus on positioning their balance sheet for future successes. Investments in automation, artificial intelligence, and data analytics have facilitated improved efficiency and the ability to enhance customer service through digital innovation. Moreover, the loan-to-deposit ratio was reported at 89.7%, which demonstrates the solid management of loan concentrations and the commitment to maintaining a healthy loan portfolio.

Commitment to the Community

In another noteworthy accomplishment, F.N.B. Corporation announced a $20 million contribution to the FNB Foundation in December 2025. This philanthropic effort showcases the corporation's commitment to supporting the communities it serves, enhancing its reputation as a socially responsible financial institution.

Conclusion

In summary, the earnings report for F.N.B. Corporation indicates strong operational performance and provides positive indicators for stakeholders. With strategic investments in technology and a robust approach to community engagement, F.N.B. Corporation is well-positioned for continued success moving forward. The upcoming conference call scheduled for January 21, 2026, will give further insights into the company's strategic direction and future outlook.

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For more information, visit F.N.B. Corporation's website.