F.N.B. Corporation Reports Q4 Credit Loss Provision of $18.9M
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
Analyst Views on FNB
About FNB
About the author
F.N.B. Declares $0.12 Quarterly Dividend with 2.75% Yield
- Dividend Declaration: F.N.B. announces a quarterly dividend of $0.12 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability, which is likely to attract more investor interest.
- Yield Metrics: The forward yield of 2.75% provides investors with a relatively stable return, enhancing the company's appeal within the banking sector amid competitive market conditions.
- Payment Schedule: The dividend is payable on March 16, with a record date of February 2 and an ex-dividend date also set for February 2, ensuring shareholders receive their earnings promptly.
- Growth Outlook: F.N.B. outlines expectations for mid-single-digit loan and deposit growth in 2026, with a balance sheet projected to exceed $50 billion, indicating robust development potential in the market.
F.N.B. Corporation Declares Quarterly Cash Dividend
- Quarterly Cash Dividend: F.N.B. Corporation's Board of Directors declared a cash dividend of $0.12 per share, payable on March 16, 2026, reflecting the company's stable profitability and commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of March 2, 2026, ensuring transparency and accountability in shareholder relations.
- Asset Scale: With total assets exceeding $50 billion and approximately 350 banking offices, F.N.B. demonstrates its market coverage and ongoing growth in business scale across multiple states.
- Diverse Financial Services: The company offers a full range of commercial banking, consumer banking, and wealth management solutions, highlighting its diversified strategy and competitive position in the financial services sector.
