F.N.B. Corporation Reports Record Third Quarter 2025 Earnings

F.N.B. Corporation Reports Record Third Quarter 2025 Earnings

2025-10-17 companies

Pittsburgh, Friday, 17 October 2025.
F.N.B. Corporation achieved a 37% rise in earnings per share, reaching $0.41, surpassing Q3 2024 by $0.11. The firm reported record revenues of $457 million, driven by increased net interest income.

Strong Financial Performance

F.N.B. Corporation (NYSE: FNB) has announced a remarkable third quarter for 2025, with earnings per diluted common share rising to $0.41, marking a significant 37% increase from the same quarter last year. This growth was supported by a robust net income of $149.5 million, compared to $110.1 million in Q3 2024. The company’s total revenue for the period reached a record $457 million, primarily driven by enhanced net interest income and margin expansion [1][2].

Key Financial Metrics

The quarter also saw F.N.B. Corporation’s net interest income surge to $359.3 million, which represents a 3.5% increase from the previous quarter. The net interest margin improved to 3.25%, reflecting an expansion of six basis points. Additionally, non-interest income reached a record $98.2 million, up 7.9% from Q2 2025, thanks to significant growth in mortgage banking and capital markets activities [1][3].

Asset and Deposit Growth

F.N.B. Corporation reported substantial growth in its lending and deposit operations. Average loans and leases rose to $34.8 billion, an increase driven by a $994.7 million growth in consumer loans. On the deposit front, the company recorded an average of $37.9 billion, marking a 6.4% increase from the previous year, led by a $2.1 billion rise in interest-bearing demand deposits [1][3][4].

Strategic Financial Management

The company’s strategic financial management is evident in its improved efficiency ratio, which decreased to 52.4% from 54.8% in the second quarter of 2025. This improvement is attributed to a focus on cost management and operational efficiencies. Furthermore, the CET1 regulatory capital ratio was estimated at 11.0%, up from 10.8% at the end of the previous quarter, indicating a strong financial foundation [1][5].

Sources


earnings increase F.N.B. Corporation