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F.N.B. (FNB) investor relations material
F.N.B. Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Earnings per diluted share rose 37% year-over-year to $0.41, with net income available to common shareholders of $150 million, driven by record net interest and non-interest income and strong fee-based businesses.
Record revenue of $457 million was achieved, supported by capital markets, mortgage banking, and wealth management growth.
Pre-provision net revenue increased 18% year-over-year and 11% sequentially, with a peer-leading efficiency ratio of 52%.
Tangible book value per share grew 11% year-over-year to $11.48, with CET1 capital ratio at a record 11% and tangible common equity at 8.7%.
Deposit growth was robust at 7% annualized linked quarter, with non-interest-bearing deposits stable at 26% of total deposits.
Financial highlights
Net interest income reached a record $359.3 million, up 3.5% sequentially and 11.1% year-over-year, with net interest margin expanding to 3.25%.
Non-interest income hit a record $98.2 million, up 9.5% year-over-year and 7.9% sequentially, led by capital markets and mortgage banking.
Average loans and leases totaled $34.8 billion, up 3.6% annualized linked quarter, with consumer loans up $431 million and commercial balances down due to CRE reductions.
Average deposits were $37.9 billion, up 8.2% annualized linked quarter, with a loan-to-deposit ratio of 91%.
Operating non-interest expense was $245.8 million, up 5% year-over-year, with efficiency ratio improving to 52.4%.
Outlook and guidance
Full-year 2025 net interest income guidance raised to $1.39–$1.405 billion, with mid-single digit growth in loans and deposits projected.
Non-interest income guidance set at $365–$370 million; provision expense at $85–$95 million; non-interest expense at $975–$985 million.
Effective tax rate expected between 21% and 22%.
Management continues to invest in technology, digital platforms, and AI to drive operational efficiency and client engagement.
Forward-looking statements caution on risks from credit, interest rates, regulatory changes, and economic conditions.
How is FNB managing CRE-Office loan maturities?
What is the strategy for expiring interest rate swaps?
Provide an update on the Community Uplift program.
Capital deployment strategy beyond buybacks?
Detail new fee income growth initiatives?
How will AI and tech drive 2026 expense savings?
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Frequently asked questions
F.N.B. Corporation is a diversified financial services company offering a wide range of banking, trust, and insurance services. The company provides personal and commercial banking solutions, wealth management, and lending services through a network of retail locations and digital platforms. F.N.B. Corporation serves individuals, businesses, and government entities. The company is headquartered in Pittsburgh, Pennsylvania, and its shares are listed on the NYSE.
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