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F.N.B. Corp (FNB)
NYSE:FNB
Earnings Data
Report Date
Jul 16, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.34Last Year’s EPS
0.34Same Quarter Last Year
Strong Buy
Based on 5 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 16, 2025
|% Change Since: 5.64%
|Next Earnings Date:Jul 16, 2025
Earnings Call Sentiment|Positive
The earnings call presented several positive metrics such as record capital levels, tangible book value growth, and stable non-interest income. However, challenges such as the potential impact of tariffs and reduced commercial real estate activities were also highlighted. Despite some lowlights, the consistent growth in net interest income and loan and deposit growth indicate a generally positive sentiment.Company Guidance
During the first quarter of 2025, F.N.B. Corporation demonstrated solid financial performance with net income available to common shareholders reaching $116.5 million, or $0.32 per share. The company reported total revenue of $411.2 million, primarily driven by growth in net interest income and solid non-interest income, which totaled $87.8 million. Tangible book value per share increased by 12%, amounting to $10.83, while capital levels remained strong with a Common Equity Tier 1 (CET1) ratio of 10.7% and a tangible common equity to tangible assets ratio of 8.4%. Annualized loan and deposit growth were reported at 3.5% and 1.4%, respectively. The net interest margin was stable at 3.03%, with March's margin improving to 3.08%. On the credit side, the total delinquency rate was 75 basis points, down 8 basis points from the previous quarter, and net charge-offs were 15 basis points. F.N.B.'s proactive credit risk management included stress testing and a thorough assessment of the potential impact of tariffs, which indicated manageable exposure with less than 5% of commercial and industrial (C&I) loans at risk. Looking forward, F.N.B. maintained its full-year guidance, projecting mid-single-digit growth in loans and deposits by the end of 2025, and expects improved financial performance with positive operating leverage in the second half of the year.Record Capital Levels
F.N.B. achieved record capital levels with CET1 at 10.7% and tangible common equity to tangible assets at 8.4%.
Tangible Book Value Growth
Tangible book value per share grew by 12% to $10.83.
Net Interest Income Growth
Net interest income increased by $1.6 million from the prior quarter, even with two fewer days.
Non-Interest Income Stability
Non-interest income totaled $87.8 million, consistent with the year-ago quarter.
Loan and Deposit Growth
Annualized loan and deposit growth were 3.5% and 1.4% respectively, in a seasonally slower period.
Digital Banking Enhancements
Launched automated direct deposit switch capabilities to improve digital banking experience.
Asset Quality Metrics
Total delinquency ended the quarter at 75 basis points, down 8 BPS from the prior quarter.
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FNB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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FNB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 16, 2025 | $12.23 | $12.61 | +3.11% |
| Jan 22, 2025 | $15.79 | $15.42 | -2.34% |
| Oct 17, 2024 | $14.62 | $14.41 | -1.44% |
| Jul 17, 2024 | $14.90 | $14.03 | -5.84% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does F.N.B. Corp (FNB) report earnings?
F.N.B. Corp (FNB) is schdueled to report earning on Jul 16, 2025, TBA Not Confirmed.
What is F.N.B. Corp (FNB) earnings time?
F.N.B. Corp (FNB) earnings time is at Jul 16, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is FNB EPS forecast?
FNB EPS forecast for the fiscal quarter 2025 (Q2) is 0.34.
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