FNB (FNB) Q3 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 19 2026
0mins
Should l Buy FNB?
Source: NASDAQ.COM
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Analyst Views on FNB
Wall Street analysts forecast FNB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FNB is 19.00 USD with a low forecast of 18.00 USD and a high forecast of 20.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 18.590
Low
18.00
Averages
19.00
High
20.00
Current: 18.590
Low
18.00
Averages
19.00
High
20.00
About FNB
F.N.B. Corporation is a bank holding company and financial holding company. The Company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers commercial and consumer banking services. Its commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and lease financing. The Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of the Community Banking segment, located primarily within its geographic markets. Its Wealth Management operations are conducted through three subsidiaries of FNBPA. The Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Company. FNIA is a full-service insurance brokerage agency.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
F.N.B. Declares $0.12 Quarterly Dividend with 2.75% Yield
- Dividend Declaration: F.N.B. announces a quarterly dividend of $0.12 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability, which is likely to attract more investor interest.
- Yield Metrics: The forward yield of 2.75% provides investors with a relatively stable return, enhancing the company's appeal within the banking sector amid competitive market conditions.
- Payment Schedule: The dividend is payable on March 16, with a record date of February 2 and an ex-dividend date also set for February 2, ensuring shareholders receive their earnings promptly.
- Growth Outlook: F.N.B. outlines expectations for mid-single-digit loan and deposit growth in 2026, with a balance sheet projected to exceed $50 billion, indicating robust development potential in the market.
See More
F.N.B. Corporation Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: F.N.B. Corporation's Board of Directors declared a cash dividend of $0.12 per share, payable on March 16, 2026, reflecting the company's stable profitability and commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of March 2, 2026, ensuring transparency and accountability in shareholder relations.
- Asset Scale: With total assets exceeding $50 billion and approximately 350 banking offices, F.N.B. demonstrates its market coverage and ongoing growth in business scale across multiple states.
- Diverse Financial Services: The company offers a full range of commercial banking, consumer banking, and wealth management solutions, highlighting its diversified strategy and competitive position in the financial services sector.
See More
F.N.B. Corporation Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: F.N.B. Corporation's Board of Directors declared a cash dividend of $0.12 per share, payable on March 16, 2026, reflecting the company's commitment to shareholder returns and investor confidence.
- Record Date for Shareholders: The record date for this dividend is set for March 2, 2026, ensuring that shareholders holding shares by this date will receive the dividend, highlighting the company's focus on shareholder rights.
- Asset Scale: With total assets exceeding $50 billion and approximately 350 banking offices across seven states and Washington D.C., F.N.B. Corporation demonstrates significant influence in the regional financial services market.
- Diverse Financial Services: F.N.B. Corporation offers a full range of commercial banking, consumer banking, and wealth management solutions, aiming to meet diverse customer needs and drive sustained company growth.
See More
F.N.B. Corporation Reports Q4 2025 Net Income of $182 Million, 14% EPS Growth
- Strong Financial Performance: F.N.B. Corporation reported a fourth-quarter net income of $182 million, or $0.50 per diluted share, with full-year net income of $577 million, reflecting a 14% year-over-year EPS growth driven by a 9% increase in net interest income and record noninterest income.
- Robust Asset Quality: The company ended the quarter with a nonperforming loan ratio of 31 basis points, indicating strong performance in an uncertain economic environment, while total delinquency stood at 71 basis points, up 6 basis points from the previous quarter but still at a multi-year low.
- Advancement in Digital Strategy: F.N.B. emphasized its comprehensive digital strategy, including early adoption of AI to drive client acquisition and engagement, with plans to introduce a payment switch feature, showcasing ongoing investment and innovation in the digital banking space.
- Optimistic 2026 Outlook: The company anticipates mid-single-digit growth in loans and deposits for 2026, with net interest income projected between $1.495 billion and $1.535 billion, reflecting confidence in expanding market share and diversifying revenue streams.
See More
F.N.B. Corporation Reports Q4 Earnings of $168.69 Million, Beating Estimates
- Significant Earnings Growth: F.N.B. Corporation reported fourth-quarter earnings of $168.69 million, translating to an EPS of $0.47, which marks a substantial increase from last year's $109.86 million and $0.30 per share, indicating a notable enhancement in the company's profitability.
- Exceeding Market Expectations: Analysts had anticipated an average EPS of $0.38, and F.N.B.'s actual performance surpassed these expectations, demonstrating the company's robust performance and effective operational strategies in a competitive market.
- Substantial Revenue Increase: The company's revenue rose by 22.7% year-over-year to $457.78 million, compared to $373.14 million last year, reflecting successful business expansion and strong market demand.
- Sustained Growth Potential: With both revenue and earnings on the rise, F.N.B. showcases strong market competitiveness, likely continuing to attract investor interest and drive stock price appreciation in the future.
See More
F.N.B. Corporation Reports Q4 Non-GAAP EPS of $0.50, Beating Estimates by $0.09
- Earnings Beat: F.N.B. Corporation reported a Q4 Non-GAAP EPS of $0.50, exceeding market expectations by $0.09, indicating a sustained improvement in profitability that is likely to boost investor confidence.
- Significant Revenue Growth: The company's Q4 revenue reached $457.78 million, reflecting a 22.7% year-over-year increase and aligning with market expectations, showcasing its strong competitive position and growth potential.
- Positive Stock Reaction: Shares of F.N.B. rose by 3.07% in after-hours trading, indicating a favorable investor response to the earnings report, which may attract further investor interest.
- Optimistic Outlook: With expanding margins and increased guidance, F.N.B. is viewed as an attractive combination of growth and quality, potentially leading to upgrades from more analysts in the future.
See More
F.N.B. Declares $0.12 Quarterly Dividend with 2.75% Yield
- Dividend Declaration: F.N.B. announces a quarterly dividend of $0.12 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability, which is likely to attract more investor interest.
- Yield Metrics: The forward yield of 2.75% provides investors with a relatively stable return, enhancing the company's appeal within the banking sector amid competitive market conditions.
- Payment Schedule: The dividend is payable on March 16, with a record date of February 2 and an ex-dividend date also set for February 2, ensuring shareholders receive their earnings promptly.
- Growth Outlook: F.N.B. outlines expectations for mid-single-digit loan and deposit growth in 2026, with a balance sheet projected to exceed $50 billion, indicating robust development potential in the market.
See More
F.N.B. Corporation Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: F.N.B. Corporation's Board of Directors declared a cash dividend of $0.12 per share, payable on March 16, 2026, reflecting the company's stable profitability and commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of March 2, 2026, ensuring transparency and accountability in shareholder relations.
- Asset Scale: With total assets exceeding $50 billion and approximately 350 banking offices, F.N.B. demonstrates its market coverage and ongoing growth in business scale across multiple states.
- Diverse Financial Services: The company offers a full range of commercial banking, consumer banking, and wealth management solutions, highlighting its diversified strategy and competitive position in the financial services sector.
See More
F.N.B. Corporation Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: F.N.B. Corporation's Board of Directors declared a cash dividend of $0.12 per share, payable on March 16, 2026, reflecting the company's commitment to shareholder returns and investor confidence.
- Record Date for Shareholders: The record date for this dividend is set for March 2, 2026, ensuring that shareholders holding shares by this date will receive the dividend, highlighting the company's focus on shareholder rights.
- Asset Scale: With total assets exceeding $50 billion and approximately 350 banking offices across seven states and Washington D.C., F.N.B. Corporation demonstrates significant influence in the regional financial services market.
- Diverse Financial Services: F.N.B. Corporation offers a full range of commercial banking, consumer banking, and wealth management solutions, aiming to meet diverse customer needs and drive sustained company growth.
See More
F.N.B. Corporation Reports Q4 2025 Net Income of $182 Million, 14% EPS Growth
- Strong Financial Performance: F.N.B. Corporation reported a fourth-quarter net income of $182 million, or $0.50 per diluted share, with full-year net income of $577 million, reflecting a 14% year-over-year EPS growth driven by a 9% increase in net interest income and record noninterest income.
- Robust Asset Quality: The company ended the quarter with a nonperforming loan ratio of 31 basis points, indicating strong performance in an uncertain economic environment, while total delinquency stood at 71 basis points, up 6 basis points from the previous quarter but still at a multi-year low.
- Advancement in Digital Strategy: F.N.B. emphasized its comprehensive digital strategy, including early adoption of AI to drive client acquisition and engagement, with plans to introduce a payment switch feature, showcasing ongoing investment and innovation in the digital banking space.
- Optimistic 2026 Outlook: The company anticipates mid-single-digit growth in loans and deposits for 2026, with net interest income projected between $1.495 billion and $1.535 billion, reflecting confidence in expanding market share and diversifying revenue streams.
See More
F.N.B. Corporation Reports Q4 Earnings of $168.69 Million, Beating Estimates
- Significant Earnings Growth: F.N.B. Corporation reported fourth-quarter earnings of $168.69 million, translating to an EPS of $0.47, which marks a substantial increase from last year's $109.86 million and $0.30 per share, indicating a notable enhancement in the company's profitability.
- Exceeding Market Expectations: Analysts had anticipated an average EPS of $0.38, and F.N.B.'s actual performance surpassed these expectations, demonstrating the company's robust performance and effective operational strategies in a competitive market.
- Substantial Revenue Increase: The company's revenue rose by 22.7% year-over-year to $457.78 million, compared to $373.14 million last year, reflecting successful business expansion and strong market demand.
- Sustained Growth Potential: With both revenue and earnings on the rise, F.N.B. showcases strong market competitiveness, likely continuing to attract investor interest and drive stock price appreciation in the future.
See More
F.N.B. Corporation Reports Q4 Non-GAAP EPS of $0.50, Beating Estimates by $0.09
- Earnings Beat: F.N.B. Corporation reported a Q4 Non-GAAP EPS of $0.50, exceeding market expectations by $0.09, indicating a sustained improvement in profitability that is likely to boost investor confidence.
- Significant Revenue Growth: The company's Q4 revenue reached $457.78 million, reflecting a 22.7% year-over-year increase and aligning with market expectations, showcasing its strong competitive position and growth potential.
- Positive Stock Reaction: Shares of F.N.B. rose by 3.07% in after-hours trading, indicating a favorable investor response to the earnings report, which may attract further investor interest.
- Optimistic Outlook: With expanding margins and increased guidance, F.N.B. is viewed as an attractive combination of growth and quality, potentially leading to upgrades from more analysts in the future.
See More
