10-K · February 24, 2026
F.N.B. positions itself as a regionally scaled, community-oriented bank with centralized back-office functions and a focus on cross-selling through three reportable segments (Community Banking, Wealth Management and…
Earnings analysis · 10-Q
FNB earnings analysis
Filed May 6, 2026 · Our reading of the company's report
The latest report
F.N.B. Corporation reported a solid performance for Q1 2026, with net income increasing by 17.6% year-over-year to $137.0 million, translating to an EPS of $0.38, up from $0.32 a year prior. Total revenue climbed 9.4%…
Read full summary
F.N.B. Corporation reported a solid performance for Q1 2026, with net income increasing by 17.6% year-over-year to $137.0 million, translating to an EPS of $0.38, up from $0.32 a year prior. Total revenue climbed 9.4% to $450.3 million, driven by higher net interest income and non-interest income. The bank's balance sheet showed prudent management with an increase in loans and a stable capital position, although non-performing assets rose slightly, indicating some pressure in asset quality.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.38
What stood out
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Strong Revenue Growth
Total revenue increased 9.4% year-over-year to $450.3 million.
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Improved EPS
EPS rose 18.8% to $0.38, up from $0.32 in Q1 2025.
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Increased Net Interest Income
Net interest income increased by 10.9% to $359.3 million, reflecting higher earning asset growth.
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Solid Return Metrics
Return on average tangible common equity increased to 13.20% from 12.62% year-over-year.
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Enhanced Capital Return
An 8% increase in quarterly dividend to $0.13 was announced alongside a new $300 million share repurchase program.
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Non-Interest Income Growth
Non-interest income was up 3.7% to $91.0 million, supported by increased capital markets and wealth management revenues.
What to watch
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Rising Non-Performing Assets
Non-performing assets increased 12.0% to $120.5 million, indicating slight pressure on asset quality.
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Market Interest Rate Sensitivity
Continued exposure to interest rate fluctuations could affect future net interest income, as seen with changing yield rates.
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Regulatory Compliance Risks
Regulatory restrictions on dividends from subsidiaries pose risks to liquidity and capital deployment.
Management's outlook
Outlook deferred to earnings press release / call.
Earlier filings 4
10-Q · November 5, 2025
F.N.B. reported Q3 2025 results showing revenue of $457.0M (net interest income $359M + non‑interest income $98M) and diluted EPS of $0.41, both meaningfully ahead of Q3 2024. Net interest income and operating leverage…
10-Q · August 6, 2025
F.N.B. reported Q2 2025 results with revenue (net interest income + non‑interest income) of approximately $439.0M (NII $348.0M + non‑interest income $91.0M), up vs Q2 2024 and Q1 2025. Diluted EPS was $0.36 (vs $0.34 a…
10-Q · August 6, 2024
F.N.B. Corporation's Q2 2024 results show a slight decline in net income and EPS compared to Q2 2023, with net income at $123 million and EPS of $0.34, down from $142 million and $0.39, respectively. Revenue also…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.