F.N.B. (NYSE:FNB) Announces Earnings Results

F.N.B. (NYSE:FNB) announced its quarterly earnings results on Tuesday. The bank reported $0.50 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.41 by $0.09, Zacks reports. The company had revenue of $457.78 million during the quarter, compared to the consensus estimate of $457.87 million. F.N.B. had a return on equity of 8.84% and a net margin of 20.98%.During the same period in the previous year, the business earned $0.30 EPS.

F.N.B. Price Performance

Shares of NYSE FNB opened at $17.78 on Thursday. The stock has a fifty day moving average price of $17.04 and a 200 day moving average price of $16.29. F.N.B. has a 1-year low of $10.88 and a 1-year high of $17.99. The company has a debt-to-equity ratio of 0.32, a current ratio of 0.92 and a quick ratio of 0.92. The company has a market cap of $6.37 billion, a PE ratio of 11.40, a P/E/G ratio of 0.83 and a beta of 0.91.

F.N.B. Dividend Announcement

The business also recently declared a quarterly dividend, which was paid on Monday, December 15th. Investors of record on Monday, December 1st were issued a dividend of $0.12 per share. The ex-dividend date of this dividend was Monday, December 1st. This represents a $0.48 annualized dividend and a dividend yield of 2.7%. F.N.B.’s dividend payout ratio (DPR) is currently 34.53%.

Wall Street Analyst Weigh In

Several brokerages have recently weighed in on FNB. Weiss Ratings reissued a “buy (b)” rating on shares of F.N.B. in a research report on Monday, December 29th. Piper Sandler reiterated an “overweight” rating and issued a $21.00 price target on shares of F.N.B. in a research note on Thursday. Truist Financial set a $19.00 price objective on shares of F.N.B. in a research report on Tuesday, January 13th. Finally, DA Davidson downgraded shares of F.N.B. from a “strong-buy” rating to a “hold” rating in a research report on Monday, October 20th. Five research analysts have rated the stock with a Buy rating and one has assigned a Hold rating to the company’s stock. According to data from MarketBeat, the stock presently has a consensus rating of “Moderate Buy” and a consensus target price of $19.50.

Insiders Place Their Bets

In other news, insider Gary L. Guerrieri sold 15,000 shares of the firm’s stock in a transaction on Wednesday, December 10th. The shares were sold at an average price of $17.67, for a total value of $265,050.00. Following the completion of the sale, the insider owned 279,883 shares in the company, valued at approximately $4,945,532.61. This trade represents a 5.09% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this hyperlink. Also, insider James L. Dutey sold 40,000 shares of F.N.B. stock in a transaction dated Tuesday, December 2nd. The shares were sold at an average price of $16.75, for a total transaction of $670,000.00. Following the completion of the sale, the insider directly owned 49,936 shares in the company, valued at approximately $836,428. The trade was a 44.48% decrease in their position. The SEC filing for this sale provides additional information. 1.37% of the stock is currently owned by corporate insiders.

Hedge Funds Weigh In On F.N.B.

Several institutional investors and hedge funds have recently added to or reduced their stakes in FNB. Goldman Sachs Group Inc. lifted its holdings in F.N.B. by 77.4% in the first quarter. Goldman Sachs Group Inc. now owns 1,513,248 shares of the bank’s stock valued at $20,353,000 after acquiring an additional 660,387 shares during the period. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC increased its holdings in shares of F.N.B. by 5.9% in the 1st quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 1,049,241 shares of the bank’s stock valued at $14,112,000 after purchasing an additional 58,672 shares in the last quarter. Royal Bank of Canada lifted its stake in shares of F.N.B. by 11.6% in the first quarter. Royal Bank of Canada now owns 274,466 shares of the bank’s stock valued at $3,692,000 after purchasing an additional 28,570 shares during the period. BNP Paribas Financial Markets lifted its stake in shares of F.N.B. by 454.4% in the third quarter. BNP Paribas Financial Markets now owns 220,357 shares of the bank’s stock valued at $3,550,000 after purchasing an additional 180,610 shares during the period. Finally, Russell Investments Group Ltd. boosted its holdings in F.N.B. by 23.8% during the third quarter. Russell Investments Group Ltd. now owns 153,199 shares of the bank’s stock worth $2,468,000 after buying an additional 29,428 shares in the last quarter. Institutional investors and hedge funds own 79.25% of the company’s stock.

Key Headlines Impacting F.N.B.

Here are the key news stories impacting F.N.B. this week:

• Positive Sentiment: Q4 earnings topped consensus (reported EPS ~$0.50 vs. $0.41 est.), driven by higher net interest income and lower provisions, which boosts near‑term profitability expectations. FNB’s Q4 Earnings Beat Estimates on Higher NII & Lower Provisions
• Positive Sentiment: Record non‑interest (fee) income and full‑year revenue strength underline diversified revenue sources; management highlighted multiple 2025 records, supporting earnings quality. F.N.B. Corporation Reports Fourth Quarter and Full Year 2025 Earnings
• Positive Sentiment: Balance sheet growth: total assets surpassed $50 billion and management expects mid‑single‑digit loan and deposit growth for 2026 — a sign of ongoing franchise expansion and interest‑income runway. FNB Reports Total Assets of $50B in 2025
• Positive Sentiment: Analyst/analysis pieces highlight significant excess capital and solid capital ratios (CET1 ~11.4%), implying potential for buybacks/dividend flexibility or M&A optionality that could lift shareholder value. F.N.B. Corporation: A Well-Run Bank With Significant Excess Capital
• Neutral Sentiment: Top‑line was essentially in line with expectations (Q4 revenue ~$457.8M vs. ~$457.9M est.), so upside is profit‑driven rather than revenue surprise. F.N.B. Corporation (NYSE:FNB) Reports Q4 CY2025 In Line With Expectations
• Neutral Sentiment: Management commentary and the full earnings presentation/call transcript provide detail for investors but contained no major shifts in guidance beyond mid‑single‑digit growth; investors will parse the call for margin and capital deployment specifics. F.N.B. Corporation (FNB) Q4 2025 Earnings Call Transcript
• Neutral Sentiment: Short interest update could influence intraday volatility but doesn’t change the fundamental beat/growth story. F.N.B. Corporation (NYSE:FNB) Short Interest Update

F.N.B. Company Profile

F.N.B. Corporation is a bank holding company headquartered in Pittsburgh, Pennsylvania. Through its principal subsidiary, FNB Bank, the company provides a broad range of commercial and consumer financial services. Founded in 1864 as the First National Bank of Pennsylvania, F.N.B. has grown through both organic expansion and strategic acquisitions to become a regional banking franchise.

The company’s main business activities include traditional deposit-taking and lending services, such as checking and savings accounts, mortgages, home equity lines of credit, and consumer and commercial loans.