F.N.B. Corporation (NYSE: FNB) has reported its earnings for the fourth quarter of 2025, showing a significant increase in net income available to common shareholders compared to the same period in 2024. The net income available to common shareholders for the fourth quarter of 2025 was $168.7 million, or $0.47 per diluted common share, representing a substantial improvement from the $109.9 million, or $0.30 per diluted common share, reported for the fourth quarter of 2024.
On an operating basis, the earnings per diluted common share (non-GAAP) for the fourth quarter of 2025 was $0.50, excluding $16.6 million (pre-tax) of significant items impacting earnings. This is higher than the $0.38 reported for the same period in 2024, excluding $34.0 million (pre-tax) of significant items impacting earnings.
For the full year of 2025, the net income available to common shareholders was $565.4 million, or $1.56 per diluted common share, compared to $459.3 million, or $1.27 per diluted common share, in 2024. On an operating basis, the full year of 2025 earnings per diluted common share (non-GAAP) was $1.59, excluding $0.03 per diluted common share (non-GAAP) of significant items impacting earnings, while the full year of 2024 reported $1.39 per diluted common share (non-GAAP), excluding $0.12 per diluted common share (non-GAAP) of significant items impacting earnings.
The company achieved multiple records for the full year of 2025, including all-time revenue highs for seven of its fee-based businesses, with total revenue reaching $1.8 billion. Operating net income available to common shareholders (non-GAAP) for the full year of 2025 was $577 million, with operating earnings per diluted common share (non-GAAP) reaching $1.59.
The company also highlighted several key performance metrics for the fourth quarter of 2025, including a 3.4% increase in average loans and leases, totaling $35.0 billion, and a 4.5% increase in average deposits, totaling $38.6 billion, compared to the same period in 2024.
Additionally, F.N.B. Corporation reported a record net interest income of $365.4 million for the fourth quarter of 2025, representing an increase of $6.2 million, or 1.7%, from the previous quarter. The company also saw a decrease in the provision for credit losses, which was $18.9 million, down $5.1 million from the prior quarter.
Furthermore, the capital levels of the company reached new highs, with the common equity tier 1 (CET1) regulatory capital ratio at 11.4% (estimated) at the end of the fourth quarter of 2025, compared to 10.6% at the end of 2024. The tangible book value per common share (non-GAAP) also increased by 13.2% compared to the end of 2024.
As a result of these announcements, the company's shares have moved -0.63% on the market, and are now trading at a price of $17.36. If you want to know more, read the company's complete 8-K report here.
