1ST SUMMIT BANCORP Reports $1.7M Q4 Net Income with 14.1% Loan Growth
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: Businesswire
- Loan Growth Highlight: In Q4 2025, 1ST SUMMIT BANCORP reported a 14.1% year-over-year increase in loans, significantly up from 7.3% in Q3, indicating sustained demand across core commercial relationships and potential for increased market share.
- Stable Deposit Growth: Despite heightened competition and a declining rate environment, total deposits grew at an annualized rate of 2.3%, down from 4.3% in Q3, showcasing the company's success in retaining and expanding its deposit base through relationship banking and customer engagement.
- Net Interest Margin Improvement: The net interest margin expanded by 4 basis points to 2.38% in Q4, primarily due to disciplined funding strategies and ongoing improvements in the balance sheet mix, enhancing the company's profitability and financial flexibility.
- Strong Credit Quality: Throughout Q4, 1ST SUMMIT BANCORP did not experience significant increases in problem loans or charge-offs, reflecting conservative underwriting standards and strong collateral positions, with management remaining vigilant in monitoring credit trends to preserve asset quality.
Analyst Views on FNB
Wall Street analysts forecast FNB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FNB is 18.80 USD with a low forecast of 18.00 USD and a high forecast of 20.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 17.470
Low
18.00
Averages
18.80
High
20.00
Current: 17.470
Low
18.00
Averages
18.80
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.
