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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
Net income available to common shareholders for Q3 2025 was $149.5 million ($0.41 per diluted share), up 37% year-over-year, with record total revenue of $457 million driven by growth in net interest income, margin expansion, and record non-interest income.
Pre-provision net revenue grew 11% sequentially, with a peer-leading efficiency ratio of 52%, and capital levels reached all-time highs (CET1 ratio 11.1%).
Tangible book value per common share increased 11% year-over-year to $11.48, and return on tangible common equity (non-GAAP) was 15%.
Average loans and leases grew 3.6% annualized linked quarter to $34.8 billion, and average deposits increased 8.2% annualized linked quarter to $37.9 billion, with a stable deposit mix.
Asset quality remained strong, with a decrease in criticized loans and stable allowance for credit losses.
Financial highlights
Net interest income reached $359.3 million, up 11.1% year-over-year and 3.5% sequentially, with net interest margin (FTE, non-GAAP) at 3.25%.
Non-interest income hit a record $98.2 million, up 9.5% year-over-year and 7.9% sequentially, led by mortgage banking, capital markets, and wealth management.
Non-interest expense was $243.5 million, down 2.4% year-over-year, with operating non-interest expense (non-GAAP) up 5% after adjusting for significant items.
Provision for credit losses was $24.0 million, with net charge-offs of $19.7 million (0.22% annualized of average loans).
Loan-to-deposit ratio improved to 91% at quarter-end.
Outlook and guidance
FY 2025 net interest income guidance raised to $1.39–$1.405 billion, with non-interest income projected at $365–$370 million and provision expense at $85–$95 million.
Non-interest expense guidance maintained at $975–$985 million; effective tax rate expected between 21% and 22%.
Balance sheet guidance projects mid-single digit growth in loans and deposits for the full year.
Management highlighted continued investments in digital capabilities, data analytics, and AI to drive household penetration and client acquisition.
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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