#USA #financial results #Pittsburgh #earnings report #F.N.B. Corporation

F.N.B. Corporation Announces Strong Earnings for Q3 2025

F.N.B. Corporation (NYSE: FNB) has showcased an impressive performance in its third-quarter report for 2025, revealing notable growth in its earnings and overall financial health. The company recorded net income attributable to common shareholders of $149.5 million, translating to earnings of $0.41 per diluted share. This figure marks a remarkable 37% increase from the $110.1 million, or $0.30 per diluted share, reported during the same quarter in the previous year, and a 14% rise from the $130.7 million or $0.36 per diluted share in the preceding quarter.

Earnings and Revenue Highlights

Highest earnings per share (EPS) of $0.41 reflect effective corporate management and operational efficiency. F.N.B.'s revenue reached $457 million—largely propelled by growth in net interest income and an expansion in profit margins. Non-interest income also reached record levels, contributing significantly to the overall revenue growth, illustrating the company's well-diversified business model.

The year-over-year growth improved tangible book value per share, marking an increase of 11%, which underlines the company's solid asset management strategies. The comprehensive earnings per diluted share, when adjusted for operating basis (non-GAAP), supported the positive performance narrative with a consistent growth trajectory.

Key Financial Metrics

F.N.B. Corporation has reported significant improvements across various financial metrics, signaling its robust performance:

• - Average Loans and Leases: Increased to $34.8 billion, a rise of $1 billion or 3% compared to the previous year, mainly due to a $994.7 million surge in consumer loans.
• - Average Deposits: Rose by $2.3 billion to $37.9 billion, with notable increases in both interest-bearing and non-interest-bearing deposits.
• - Net Interest Income: Achieved a record $359.3 million, marking a sequential quarter increase of 3.5% driven by lower cost of funds and growth in earning assets.
• - Pre-Provision Net Revenue: Delivered significant growth at $213.9 million, which reflects an 11% improvement over the previous quarter.

Capital and Efficiency Ratios

F.N.B. stands strong in capital levels with a Common Equity Tier 1 (CET1) regulatory capital ratio of 11%, showcasing a solid financial buffer. The company has also maintained a strong efficiency ratio (non-GAAP) of 52%, one of the leading metrics in the industry, indicative of its operational effectiveness.

Investments in technology and a focus on strategic underwriting practices contributed to consistent credit quality and maintained solid asset metrics, affirming management’s proactive approach to risk management and portfolio quality.

Future Outlook

Looking ahead, F.N.B. Corporation aims to sustain its momentum by leveraging its investments in technological advancements, including data analytics and artificial intelligence. These initiatives are designed to enhance customer relationships and establish the bank as the primary financial partner for both consumer and commercial clients. The organization's steady performance, marked by a balanced approach to growth and risk management, positions it well for continued success in the competitive banking landscape.

Conference Call

F.N.B. Corporation plans to host a conference call to discuss these financial results further at 8:30 AM ET on October 17, 2025. Interested parties can access the conference call through the company's investor relations page to gain additional insights into their forward-looking strategies and operational frameworks.

For further information, shareholders and prospective investors can visit the official F.N.B. Corporation website. The comprehensive approach towards growth, customer engagement, and financial stability can be observed in F.N.B.'s ongoing advancements and overall corporate objectives.

About F.N.B. Corporation

Based in Pittsburgh, Pennsylvania, F.N.B. Corporation operates in multiple states, catering to a diverse clientele with a wide array of financial services, including commercial and retail banking solutions. The institution's strong asset base and extensive network of banking offices underpin its position as a key player in the financial services sector.