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Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
F.N.B.
F.N.B. (FNB) investor relations material
F.N.B. Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record full-year revenue of $1.8 billion, net income of $577 million, and EPS of $1.59, with 14% year-over-year EPS growth and strong profitability metrics for 2025.
Surpassed $50 billion in assets, with tangible book value per share rising 13% year-over-year to $11.87.
Fourth quarter 2025 net income available to common shareholders was $168.7 million ($0.47 per diluted share), with operating EPS (non-GAAP) at $0.50.
Strategic initiatives included reducing CRE concentration, transferring $200 million in residential mortgages to held for sale, and expanding digital and AI capabilities.
$20 million contributed to the foundation and $37.2 million in investment tax credits recognized from renewable energy financing.
Financial highlights
Net interest income for 4Q25 was $365.4 million, up 1.7% sequentially and 13.4% year-over-year; net interest margin rose to 3.28%.
Non-interest income for 4Q25 was $92.3 million, up 81.3% year-over-year, with operating non-interest income up 8.8%.
Efficiency ratio improved to 53.8% in 4Q25, 307 basis points better than Q4 2024.
Total loans grew 3.4% and deposits 4.5% year-over-year; loan-to-deposit ratio improved to 89.7%.
Provision for credit losses was $18.9 million in 4Q25, down from $22.3 million in 4Q24.
Outlook and guidance
2026 guidance targets mid-single digit growth in loans and deposits; net interest income projected at $1.495–$1.535 billion.
Non-interest income expected at $370–$390 million; non-interest expense at $1–$1.02 billion.
Provision expense for 2026 expected at $85–$105 million; effective tax rate between 21–22%.
Efficiency ratio expected to reach low 50s by second half of 2026, driven by technology and process improvements.
Focus on balance sheet positioning, loan concentration management, and technology investments for future growth.
Quantify tech investment impact on operating leverage
What drives the shift in loan portfolio mix?
Assess recurring impact of renewable energy tax credits
What drives 2026 fee income guidance upside?
CRE concentration: What is the target flexibility?
How will AI drive 2026 cost savings and efficiency?
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Next F.N.B. earnings date
Q1 202616 Apr, 2026
F.N.B.
Next F.N.B. earnings date
Q1 202616 Apr, 2026
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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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