FNB (FNB) Earnings Date & Reports

Key Takeaways

• F.N.B. Corporation reported net income of $148.7 million, or $0.42 per diluted share, up 16.7% year-over-year from $0.36.
• Record revenue reached $462.7 million, supporting an 8.8% linked-quarter rise in pre-provision net revenue.
• Average loans and leases grew to $35.5 billion, with strong consumer loan expansion offsetting commercial trends.
• Asset quality remained solid, with non-performing loans at 0.31% and net charge-offs at 0.19% annualized.
• Tangible book value per share rose 9.9% year-over-year to $12.24, while the company repurchased $47 million in stock.
• Common Equity Tier 1 (CET1) ratio held at 11.4%, reflecting strong capital position.

Earnings Context and Why It Matters

F.N.B. Corporation, a regional bank holding company, delivers financial services across multiple states. Its quarterly results provide investors with insight into lending trends, deposit growth, and profitability in a shifting interest rate environment. The second quarter often highlights seasonal consumer activity and the impact of strategic technology investments on efficiency and customer acquisition. Strong performance here can signal sustained momentum in core banking operations and capital returns.

Reported Results

F.N.B. Corporation reported second quarter 2026 net income of $148.7 million, or $0.42 per diluted common share, compared with $130.7 million, or $0.36 per share, in the second quarter of 2025. Revenue totaled a record $462.7 million. Net interest income reached $365.7 million, up 5.3% year-over-year, while non-interest income grew 6.5% to $97.0 million. Pre-provision net revenue (non-GAAP) increased to $209.4 million. The provision for credit losses was $21.4 million. Tangible book value per common share (non-GAAP) rose to $12.24. The company repurchased 2.7 million shares for $47 million during the quarter.

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Market Reaction and Investor Sentiment

Investors typically monitor F.N.B. Corporation’s results for evidence of loan growth and deposit stability amid rate changes. The reported earnings beat year-ago figures and highlighted record revenue, which often supports positive sentiment. Asset quality metrics staying at solid levels and continued share repurchases can reinforce confidence in management’s execution. Post-release price movement generally reflects how results align with broader expectations for regional banks.

Forward Outlook and Key Factors to Monitor

Investors will focus on the pace of loan growth, particularly in consumer segments such as residential mortgages and lines of credit. Deposit mix and the proportion of non-interest-bearing balances remain important for net interest margin stability.

Continued investments in digital capabilities and data analytics could support efficiency gains and household penetration. Asset quality indicators, including delinquency rates and net charge-offs, will be watched closely given the current economic backdrop.

Capital levels, including the CET1 ratio, and the pace of share repurchases provide signals on balance sheet strength and shareholder return priorities. Industry dynamics such as competition in key markets and any updates on regulatory or macroeconomic conditions may also influence future performance.

Disclaimer

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