F.N.B. Corporation Reports Q4 Credit Loss Provision of $18.9M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 20 2026
0mins
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."
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Analyst Views on FNB
Wall Street analysts forecast FNB stock price to rise
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 18.870
Low
18.00
Averages
19.00
High
20.00
Current: 18.870
Low
18.00
Averages
19.00
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.
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- Conference Call Details: Senior executives will host a conference call on July 17, 2026, at 8:30 AM ET to discuss the financial results, aiming to enhance interaction and trust with investors.
- Webcast Availability: The call will be available via a live webcast on the company's investor relations section, providing convenient access to attract more investor participation and enhance the company's image.
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See More
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See More
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- Financial Services Awards: F.N.B. also earned workplace awards from Newsweek for Financial Services and as a top employer in Pennsylvania, reflecting its leadership in the financial sector and commitment to employee welfare.
- Employee Feedback Acknowledgment: The company extended its Top Workplace streak with its 12th consecutive award for Northeast Ohio and received its first recognition for Washington, D.C., demonstrating ongoing efforts in employee engagement and organizational health.
- Industry Impact: F.N.B. has garnered over 100 national and regional workplace awards based on employee feedback, further solidifying its market position as a leading financial services provider and enhancing trust among customers and shareholders.
See More
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- Surge in M&A Volume: In the first half of 2026, regional bank M&A transaction volume reached $15.1 billion, marking a seven-year high and indicating strong market demand for consolidation, which could further enhance industry concentration.
- Major Bank Mergers: The mergers of PNC with FirstBank, Pinnacle with Synovus, and Fifth Third with Comerica not only expanded these banks' geographic reach but also strengthened their competitive positions in their respective markets, particularly in the Southwest and Midwest regions.
- Acquisition Motivations: Regional banks can rapidly increase their deposit bases through mergers, achieving favorable cost and growth synergies, especially for those with higher market valuations, as these transactions often lead to immediate earnings per share boosts, enhancing market appeal.
- Potential Acquisition Targets: Banks like KeyCorp and Eastern Bankshares, facing pressure from activist shareholders, may become prime merger targets, while lower-valued banks such as First Horizon, FNB Corporation, and Webster Financial could attract interest from more acquisitive regional banks.
See More
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- Surge in M&A Volume: In the first half of 2026, regional banks saw M&A transaction volume reach $15.1 billion, the highest in seven years, indicating a strong trend towards consolidation that could further enhance market concentration.
- Strategic Acquisition Examples: PNC Financial Services completed its merger with FirstBank in January, significantly expanding its market presence in Western states, while Pinnacle's merger with Synovus created a new regional banking powerhouse in the Southeastern U.S., enhancing competitive strength.
- Market Valuation Impact: Fifth Third's merger with Comerica not only bolstered its position in the Midwest but also increased its exposure to Sunbelt regions like Texas and California, demonstrating how acquisitions in a high-valuation environment can boost earnings per share.
- Potential Acquisition Targets: KeyCorp and Eastern Bankshares have emerged as potential acquisition targets due to shareholder activist pressure, particularly as management faces dissatisfaction, which may lead to strategic alternatives such as mergers or sales.
See More
F.N.B. Corporation Announces Q2 2026 Earnings Release Schedule
- Earnings Release Plan: F.N.B. Corporation plans to issue its financial results for Q2 2026 after market close on July 16, 2026, demonstrating the company's commitment to transparency and investor communication.
- Conference Call Schedule: Executives will host a conference call on July 17, 2026, at 8:30 AM ET to discuss financial results, aiming to enhance interaction and trust with investors.
- Live Webcast Availability: The call will be available via a live webcast on the company's website, expected to attract broad investor participation and further enhance the company's visibility in the market.
- Comprehensive Service Network: Operating in seven states and Washington D.C. with nearly $51 billion in assets, F.N.B. Corporation showcases its strong presence and extensive coverage in the regional financial services market.
See More
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- Earnings Release Schedule: F.N.B. Corporation plans to issue its Q2 2026 financial results after market close on July 16, 2026, reflecting the company's commitment to transparency and investor communication.
- Conference Call Details: Senior executives will host a conference call on July 17, 2026, at 8:30 AM ET to discuss the financial results, aiming to enhance interaction and trust with investors.
- Webcast Availability: The call will be available via a live webcast on the company's investor relations section, providing convenient access to attract more investor participation and enhance the company's image.
- Global Participation Opportunity: International callers can join the conference through specific dialing options, and pre-registration offers a unique passcode, demonstrating the company's focus on global investors and service awareness.
See More
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- Workplace Honors: F.N.B. Corporation's largest subsidiary, First National Bank, was named one of America's Greatest Workplaces for 2026 by Newsweek, highlighting the company's excellence in employee satisfaction and corporate culture.
- Financial Services Awards: F.N.B. also earned Newsweek awards for Financial Services and as a top employer in Pennsylvania, indicating its growing competitiveness and appeal within the financial sector.
- Employee Feedback Driven: F.N.B. received Energage's Top Workplace awards for Northeast Ohio and Washington, D.C., reflecting the company's ongoing commitment to employee engagement and organizational health, having achieved 12 consecutive awards in Northeast Ohio.
- Strengthening Overall Position: F.N.B. has garnered over 100 national and regional workplace awards based on employee feedback, demonstrating its commitment to employee support and career development, further solidifying its leadership position in the financial services industry.
See More
F.N.B. Corporation Recognized with Multiple Workplace Awards
- Workplace Recognition: F.N.B. Corporation's largest subsidiary, First National Bank, was named one of America's Greatest Workplaces for 2026 by Newsweek, highlighting the company's excellence in employee satisfaction and corporate culture.
- Financial Services Awards: F.N.B. also earned workplace awards from Newsweek for Financial Services and as a top employer in Pennsylvania, reflecting its leadership in the financial sector and commitment to employee welfare.
- Employee Feedback Acknowledgment: The company extended its Top Workplace streak with its 12th consecutive award for Northeast Ohio and received its first recognition for Washington, D.C., demonstrating ongoing efforts in employee engagement and organizational health.
- Industry Impact: F.N.B. has garnered over 100 national and regional workplace awards based on employee feedback, further solidifying its market position as a leading financial services provider and enhancing trust among customers and shareholders.
See More
