F.N.B. Corporation Reports Q4 Credit Loss Provision of $18.9M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
Should l Buy FNB?
Reports Q4 provision for credit losses was $18.9M, a decrease of $5.1M from the prior quarter, with net charge-offs of $16.4M. Reports Q4 Tangible book value per common share $11.87, up $1.38, or 13.2%, compared to December 31, 2024, and 39c, or 3.4%, compared to September 30, 2025. "F.N.B. Corporation delivered an exceptional fourth quarter with operating earnings per diluted common share, non-GAAP, of 50c and a return on average tangible common equity, non-GAAP, of 16%. FNB's strong profitability and capital generation resulted in tangible book value per share of $11.87, a 13% increase from the year-ago quarter. Our company achieved multiple records for the FY25, including all-time revenue highs for seven of our fee-based businesses, total revenue of $1.8B operating net income available to common shareholders of $577M and operating earnings per diluted common share of $1.59," said F.N.B. Corporation Chairman, President and CEO, Vincent J. Delie, Jr. "Throughout 2025, we remained focused on positioning the balance sheet for continued future success including managing loan concentrations and improving the loan-to-deposit ratio to 89.7%. Our investments in technology, AI, and data analytics are driving automation, efficiency, and the flexibility to continue investing in revenue-generating businesses and an enhanced omnichannel customer experience, all while delivering strong positive operating leverage. Our financial results reflect disciplined execution of our strategy: diversifying revenue, allocating capital wisely, maintaining a resilient, well-underwritten loan portfolio, and strengthening our role as our clients' primary bank through continued eStore(R) and digital innovation."
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy FNB?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on FNB
Wall Street analysts forecast FNB stock price to rise
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 17.830
Low
18.00
Averages
19.00
High
20.00
Current: 17.830
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.
FNB Appoints Nick Lotz as Chief Commercial Banking Officer
- Executive Appointment: FNB has appointed Nick Lotz as Chief Commercial Banking Officer, enhancing its leadership team in Pittsburgh, with Lotz tasked to drive relationship building with corporate, institutional, and public sector organizations, reflecting FNB's commitment to attracting top talent.
- Strategic Role: The newly created Chief Commercial Banking Officer position will strengthen FNB's strategic execution across its multi-state operations, with Lotz overseeing Commercial Banking, Treasury Management, Asset-Based Lending, and Equipment Finance, thereby improving the quality of client financing and advisory services.
- Industry Experience: Lotz brings over 20 years of corporate banking experience, having previously served as Head of Corporate Banking at Flagstar Bank and Santander Bank, and his extensive background is expected to enhance FNB's competitive position in the market and elevate its standing in the industry.
- Community Engagement: Lotz looks forward to actively participating in community activities in the Pittsburgh area, demonstrating FNB's commitment to social responsibility while also helping him and his family integrate into the local community.
See More
FNB Appoints Nick Lotz as Chief Commercial Banking Officer
- Executive Appointment: FNB has appointed Nick Lotz as Chief Commercial Banking Officer, enhancing its leadership team in Pittsburgh, with Lotz tasked to strengthen relationships with corporate, institutional, and public sector clients, reflecting FNB's commitment to attracting top talent.
- Strategic Role: The newly created Chief Commercial Banking Officer position will oversee the execution of strategies across the Commercial Banking division, Treasury Management, Asset-Based Lending, and Equipment Finance, aimed at boosting FNB's competitiveness and profitability across its multi-state footprint.
- Industry Experience: Lotz brings over 20 years of corporate banking experience, having previously served as Head of Corporate Banking at Flagstar Bank and Santander Bank, and his extensive background is expected to enhance FNB's market insights and client service capabilities.
- Community Engagement: Lotz looks forward to actively participating in community initiatives in the Pittsburgh area, further strengthening FNB's local influence and demonstrating its commitment to social responsibility as an elite banking institution.
See More
F.N.B. Corporation Q1 2026 Earnings Highlights
- Net Income Growth: F.N.B. Corporation reported a net income of $137 million for Q1 2026, with earnings per share (EPS) increasing by 19% year-over-year to $0.38, indicating robust loan growth in the core middle market despite avoiding NDFI and private credit sectors.
- Increased Shareholder Returns: The company announced an 8% increase in its quarterly cash dividend to $0.13 per share and plans to repurchase an additional $250 million in common stock, reflecting a total of $2.4 billion returned to shareholders since 2009, thereby enhancing investor confidence.
- Strategic Partnership: F.N.B. has been selected as the official retail bank for Pennsylvania State University, expected to provide exclusive banking services to 90,000 students and staff, further solidifying its market position in the education sector.
- ATM Innovation: The opening of the first ATM at Pittsburgh International Airport that dispenses Canadian dollars and Mexican pesos signifies F.N.B.'s unique service capabilities in the banking industry, enhancing customer experience and attracting more international clients.
See More
FNB (FNB) Q1 2026 Earnings Call Transcript
See More
F.N.B. Corporation Reports Increased Q1 Earnings
- Significant Earnings Growth: F.N.B. Corporation reported Q1 earnings of $137.05 million, translating to $0.38 per share, which marks a substantial increase from last year's $116.52 million and $0.32 per share, indicating ongoing improvements in profitability.
- Revenue Increase: The company's revenue for the first quarter reached $450.27 million, up 9.4% from $411.63 million last year, showcasing successful market demand and sales strategies that further solidify its market position.
- Strong Financial Performance: Both earnings and revenue have shown double-digit growth compared to last year, reflecting the company's resilience in the economic environment and effective cost control strategies, which may attract more investor interest.
- Optimistic Future Outlook: With the continued growth in revenue and earnings, F.N.B. Corporation is poised to demonstrate strong performance in future financial reports, enhancing market confidence and potentially driving stock price increases.
See More
F.N.B. Reports Q1 Earnings with Mixed Results
- Earnings and Revenue: F.N.B. reported a Q1 non-GAAP EPS of $0.38, meeting expectations, but its revenue of $431.8 million, reflecting a 4.9% year-over-year increase, fell short by $22.22 million, indicating a struggle in revenue growth.
- Loan and Lease Growth: Average loans and leases totaled $34.9 billion, an increase of $849.4 million, or 2.5%, driven by a $1.1 billion rise in consumer loans, demonstrating the effectiveness of the company's expansion strategy in consumer credit.
- Deposit Situation: Average deposits reached $38.4 billion, up $1.4 billion or 3.8%, with a $1.0 billion increase in money market deposits, indicating a customer preference for liquid products despite declines in savings deposits.
- Interest Income and Costs: Net interest income totaled $359.3 million, a decrease of $6.2 million linked-quarter, primarily due to fewer days in the current quarter and lower yields on earning assets, reflecting the impact of the prevailing interest rate environment on bank profitability.
See More
FNB Appoints Nick Lotz as Chief Commercial Banking Officer
- Executive Appointment: FNB has appointed Nick Lotz as Chief Commercial Banking Officer, enhancing its leadership team in Pittsburgh, with Lotz tasked to drive relationship building with corporate, institutional, and public sector organizations, reflecting FNB's commitment to attracting top talent.
- Strategic Role: The newly created Chief Commercial Banking Officer position will strengthen FNB's strategic execution across its multi-state operations, with Lotz overseeing Commercial Banking, Treasury Management, Asset-Based Lending, and Equipment Finance, thereby improving the quality of client financing and advisory services.
- Industry Experience: Lotz brings over 20 years of corporate banking experience, having previously served as Head of Corporate Banking at Flagstar Bank and Santander Bank, and his extensive background is expected to enhance FNB's competitive position in the market and elevate its standing in the industry.
- Community Engagement: Lotz looks forward to actively participating in community activities in the Pittsburgh area, demonstrating FNB's commitment to social responsibility while also helping him and his family integrate into the local community.
See More
FNB Appoints Nick Lotz as Chief Commercial Banking Officer
- Executive Appointment: FNB has appointed Nick Lotz as Chief Commercial Banking Officer, enhancing its leadership team in Pittsburgh, with Lotz tasked to strengthen relationships with corporate, institutional, and public sector clients, reflecting FNB's commitment to attracting top talent.
- Strategic Role: The newly created Chief Commercial Banking Officer position will oversee the execution of strategies across the Commercial Banking division, Treasury Management, Asset-Based Lending, and Equipment Finance, aimed at boosting FNB's competitiveness and profitability across its multi-state footprint.
- Industry Experience: Lotz brings over 20 years of corporate banking experience, having previously served as Head of Corporate Banking at Flagstar Bank and Santander Bank, and his extensive background is expected to enhance FNB's market insights and client service capabilities.
- Community Engagement: Lotz looks forward to actively participating in community initiatives in the Pittsburgh area, further strengthening FNB's local influence and demonstrating its commitment to social responsibility as an elite banking institution.
See More
F.N.B. Corporation Q1 2026 Earnings Highlights
- Net Income Growth: F.N.B. Corporation reported a net income of $137 million for Q1 2026, with earnings per share (EPS) increasing by 19% year-over-year to $0.38, indicating robust loan growth in the core middle market despite avoiding NDFI and private credit sectors.
- Increased Shareholder Returns: The company announced an 8% increase in its quarterly cash dividend to $0.13 per share and plans to repurchase an additional $250 million in common stock, reflecting a total of $2.4 billion returned to shareholders since 2009, thereby enhancing investor confidence.
- Strategic Partnership: F.N.B. has been selected as the official retail bank for Pennsylvania State University, expected to provide exclusive banking services to 90,000 students and staff, further solidifying its market position in the education sector.
- ATM Innovation: The opening of the first ATM at Pittsburgh International Airport that dispenses Canadian dollars and Mexican pesos signifies F.N.B.'s unique service capabilities in the banking industry, enhancing customer experience and attracting more international clients.
See More
FNB (FNB) Q1 2026 Earnings Call Transcript
See More
F.N.B. Corporation Reports Increased Q1 Earnings
- Significant Earnings Growth: F.N.B. Corporation reported Q1 earnings of $137.05 million, translating to $0.38 per share, which marks a substantial increase from last year's $116.52 million and $0.32 per share, indicating ongoing improvements in profitability.
- Revenue Increase: The company's revenue for the first quarter reached $450.27 million, up 9.4% from $411.63 million last year, showcasing successful market demand and sales strategies that further solidify its market position.
- Strong Financial Performance: Both earnings and revenue have shown double-digit growth compared to last year, reflecting the company's resilience in the economic environment and effective cost control strategies, which may attract more investor interest.
- Optimistic Future Outlook: With the continued growth in revenue and earnings, F.N.B. Corporation is poised to demonstrate strong performance in future financial reports, enhancing market confidence and potentially driving stock price increases.
See More
F.N.B. Reports Q1 Earnings with Mixed Results
- Earnings and Revenue: F.N.B. reported a Q1 non-GAAP EPS of $0.38, meeting expectations, but its revenue of $431.8 million, reflecting a 4.9% year-over-year increase, fell short by $22.22 million, indicating a struggle in revenue growth.
- Loan and Lease Growth: Average loans and leases totaled $34.9 billion, an increase of $849.4 million, or 2.5%, driven by a $1.1 billion rise in consumer loans, demonstrating the effectiveness of the company's expansion strategy in consumer credit.
- Deposit Situation: Average deposits reached $38.4 billion, up $1.4 billion or 3.8%, with a $1.0 billion increase in money market deposits, indicating a customer preference for liquid products despite declines in savings deposits.
- Interest Income and Costs: Net interest income totaled $359.3 million, a decrease of $6.2 million linked-quarter, primarily due to fewer days in the current quarter and lower yields on earning assets, reflecting the impact of the prevailing interest rate environment on bank profitability.
See More
